Monarch National

A Florida-domiciled property insurer providing homeowners coverage in Florida. Monarch National focuses on residential property insurance and distributes through independent agents.

Headquarters

Clearwater, Florida

Claims phone

Check carrier website for current claims number

Xactimate

Uses Xactimate for estimates

What Monarch National is known for

  • Florida-domiciled property insurer
  • Residential property focus
  • Independent agent distribution

Filing a claim with Monarch National

Practical tips for restoration professionals working Monarch National claims.

Monarch National is a Florida carrier with adjusters experienced in hurricane and storm damage claims.

Submit Xactimate estimates with Florida building code requirements and current pricing.

Document wind vs. water damage clearly and separately.

Work through the independent agent for claims communication when possible.

Working with Monarch National in Xactimate

Monarch National 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 Focus on missing line items, incorrect quantities, outdated pricing, and omitted code upgrades.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 Monarch National, 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

Monarch National provides homeowners insurance in the state of Florida through independent agents.

Visit monarchnational.com for current claims contact information, or contact your independent agent.

Yes. Monarch National adjusters use Xactimate for property damage estimates.

Convert your Monarch National PDF to ESX

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

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