Lightning Prepareness

Safeguard Your Home & Family

Q: Does home insurance cover natural disasters?

Home insurance covers many natural disasters like hurricanes and fires, but often excludes floods and earthquakes, which require additional coverage.

Q: What is a deductible, and how does it work?

A deductible is the amount you pay out of pocket before your insurance kicks in. For example, with a $1,000 deductible, if you have $10,000 in damage, you pay the first $1,000, and your insurance covers the remaining $9,000.

Q: What should I do if my home is uninhabitable after a disaster?

If you are an American Integrity policyholder, contact us immediately if your home is uninhabitable. We can help arrange temporary housing and cover additional living expenses if your policy includes Additional Living Expenses coverage.

Q: How do I know what type of damage is covered?

Check your policy documents (you can view these online by logging into our <a href='http://portal.myaii.com/csp/' data-sf-ec-immutable='' data-sf-marked=''>Customer Portal</a> for specific coverage details). You can also contact your agent to clarify what types of damage are covered under your policy. Typically, your policy covers damage from perils like fire, windstorms, and theft, but may exclude others like flooding unless you have additional coverage.

Q: What makes American Integrity unique?

We offer coverage designed for the Southeast&rsquo;s unique risks, like hurricanes and flooding, supported by deep local expertise and outstanding service. Our broad product portfolio covers everything from homes to boats, golf carts, and rental properties&mdash;always with integrity at the heart of what we do.

Q: How do I file a claim?

You can file a claim with American Integrity by calling our 24/7 claims line at 1-866-277-9871 or filing online through our <a href='http://portal.myaii.com/csp/' data-sf-ec-immutable='' data-sf-marked=''>Customer Portal</a>. If you have tropical storm or hurricane-related damage, please call 844-MYAIIC1 (844-692-4421).

When preparing for storms and natural occurrences that can cause damage in Florida, thunderstorms and lightning may not be the first things that come to mind. Lightning storms can be dangerous, causing fires, electrical surges, and injuries. According to the National Oceanic and Atmospheric Administration, Florida leads the nation in number of lightning deaths. Regardless of where you live, you could be at risk.

Lightning Facts

Severe Thunderstorm Watch vs. Severe Thunderstorm Warning

It’s important to know the difference between a Watch and a Warning so you can take the proper actions. A Severe Thunderstorm Watch indicates conditions are favorable for a thunderstorm, while a Severe Thunderstorm Warning means that a thunderstorm has been reported and poses danger to life and property. If a Warning is issued in your area, you should take precautions and find shelter immediately.

Every thunderstorm produces lightning, and the inability to predict strikes puts both people and property at risk.

Lightning Prep