Homeowners Choice

A Florida-based property insurer providing homeowners coverage in Florida. Homeowners Choice is part of the HCI Group family of insurance companies focused on the Florida residential market.

Headquarters

Tampa, Florida

Claims phone

Check carrier website for current claims number

Website

www.hcpci.com

Xactimate

Uses Xactimate for estimates

What Homeowners Choice is known for

Part of HCI Group
Florida residential property focus
Take-out carrier from Citizens

Filing a claim with Homeowners Choice

Practical tips for restoration professionals working Homeowners Choice claims.

Homeowners Choice is an HCI Group company focused on Florida residential coverage. Their claims process follows group-level standards.

Many Homeowners Choice policies originated as Citizens take-outs. Coverage terms may differ from the original Citizens policy.

Submit Xactimate estimates with current Florida pricing.

Document all damage types separately with supporting photos.

Working with Homeowners Choice in Xactimate

Homeowners Choice 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 Focus on missing line items, incorrect quantities, outdated pricing, and omitted code upgrades.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 Homeowners Choice, CapOut can convert it to an ESX file so you can load it directly into Xactimate for comparison.

Common deductible types

Percentage-based hurricaneFlat dollar non-hurricane

Frequently asked questions

Carriers like Homeowners Choice take on policies from Citizens Property Insurance (Florida's insurer of last resort) as part of the state's depopulation program. The coverage terms may change when the policy transfers.

Visit hcpci.com for current claims contact information.

Yes. Homeowners Choice adjusters use Xactimate for property damage estimates.

Convert your Homeowners Choice PDF to ESX

Upload a PDF estimate from Homeowners Choice. CapOut processes it and sends it directly to your Xactimate account.

Get started free