Heritage Insurance
A specialty property insurer operating primarily in Florida and several southeastern and northeastern states. Heritage focuses on residential property insurance in catastrophe-exposed markets.
Headquarters
Clearwater, Florida
Claims phone
Check carrier website for current claims number
Website
www.heritagepci.comXactimate
Uses Xactimate for estimates
What Heritage Insurance is known for
- Florida-focused property insurer
- Operates in catastrophe-exposed markets
- Growing multi-state presence
Filing a claim with Heritage Insurance
Practical tips for restoration professionals working Heritage Insurance claims.
Heritage primarily operates in hurricane-prone markets. Expect hurricane deductibles and wind exclusion details in their policies.
Their adjusters are experienced with storm damage. Present your scope with detailed wind and water damage documentation.
Heritage may use managed repair programs. Understand their preferred vendor processes.
Submit supplements promptly with complete Xactimate documentation and photos.
Working with Heritage Insurance in Xactimate
Heritage Insurance adjusters write their property damage estimates in Xactimate. When you receive their scope, you can import it into Xactimate and run a line-by-line comparison against your own estimate. Focus on missing line items, incorrect quantities, outdated pricing, and omitted code upgrades. If you start with a PDF estimate from Heritage Insurance, CapOut can convert it to an ESX file so you can load it directly into Xactimate for comparison.
Common deductible types
Frequently asked questions
Heritage primarily serves homeowners in Florida, with additional presence in several southeastern and northeastern states. Check heritagepci.com for state availability.
Visit heritagepci.com for current claims contact information. Heritage assigns adjusters and manages claims through their internal team.
Yes. Heritage policies in hurricane-prone states typically include a percentage-based hurricane deductible separate from the standard all-peril deductible.
Convert your Heritage Insurance PDF to ESX
Upload a PDF estimate from Heritage Insurance. CapOut processes it and sends it directly to your Xactimate account.
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