If you’ve ever lived in a Florida condo or townhome community, you already know how complicated insurance can get. Between hurricanes, rising construction costs, and the daily wear-and-tear of shared spaces, protecting a community isn’t the same as covering a single home. That’s why the recent announcement from American Integrity Insurance Group, Inc. is turning heads: the company has launched a brand-new Commercial Residential Property Programme designed specifically for associations across Florida.
This isn’t just another insurance product quietly added to a brochure. It’s a big move for one of the Southeast’s key property insurers coming shortly after the company’s successful IPO, and it could reshape how Florida’s condo boards and homeowners associations think about risk.
Why This Programme Matters for Florida Communities
Condo associations, townhome boards, and HOAs aren’t just administrative bodies; they’re the glue holding neighborhoods together. These groups handle everything from maintaining roofs and landscaping to managing pools, clubhouses, and common spaces. When disaster strikes say, a hurricane sweeping through the Gulf Coast, the damage isn’t limited to one roof or one driveway. Entire communities face losses.
That’s where American Integrity’s new programme steps in. Instead of piecemeal coverage, it offers broad protection for buildings, shared spaces, and association-owned property. It’s an approach designed to keep entire communities financially resilient.
And in Florida? That matters. With storms growing stronger and insurance companies pulling out of the market, finding stable, reliable coverage has become a real challenge.
Built with Hurricanes in Mind
Let’s be honest: in Florida, all insurance conversations eventually circle back to one word—hurricanes. Insurers that want to stick around need more than flashy promises; they need the financial strength and reinsurance backing to weather multiple storm seasons without collapsing.
American Integrity claims to have done its homework here. The new programme is supported by a robust reinsurance structure—the kind of safety net that can absorb the shock of an active storm year. That means associations aren’t just buying coverage for calm seasons; they’re buying confidence that their insurer will still be standing after the next Category 4 storm rolls through.
Financial Stability Backs It Up
Plenty of insurers have entered Florida’s market only to exit after a brutal season. That’s why ratings matter so much here.
American Integrity comes to the table with an “A” (Exceptional) rating from Demotech and a BBB+ rating from KBRA, two independent signals that the company has the capital strength to meet obligations. Pair that with the momentum of its recent IPO, and the launch starts to look less like a gamble and more like a long-term growth strategy.
For board members and property managers who lose sleep over whether their insurer will still exist in five years, that kind of financial backing is no small reassurance.
Tailored Coverage for Associations
One of the standout aspects of this programme is how tailored it is to Florida’s associations.
Instead of repurposing generic commercial property coverage, American Integrity says its underwriting approach was built specifically for condo, townhome, and HOA risks. That might sound like marketing fluff, but in practice, it could mean fewer frustrating gaps when claims actually hit.
Think about it: association boards are responsible for roofs, elevators, stairwells, landscaping, and amenities that dozens (sometimes hundreds) of families depend on. A coverage gap isn’t just an inconvenience—it can spark lawsuits, special assessments, and massive headaches for everyone living in the community.
By aligning coverage closely with association risks, American Integrity is pitching itself as a partner, not just a policy vendor.
Leadership’s Take
Company leaders haven’t been shy about positioning this as a milestone.
“Florida’s commercial residential market faces unique risks, and American Integrity is ready to meet these challenges head-on,” said Jon Ritchie, President of American Integrity.
Patrick Madigan, SVP of Underwriting, put it in simpler, more personal terms: “This product was built with Florida associations in mind. It provides confidence, peace of mind, and the stability that residents deserve—especially in a state where weather risks are a fact of life.”
That last part resonates. If you’ve ever seen neighbors pool money for emergency repairs or watched an HOA board scramble after a storm, you know peace of mind isn’t abstract—it’s everything.
What This Means for Condo and HOA Boards
So, what should Florida community associations take from this launch?
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Expanded options. In a market where insurers have been retreating, a new programme from a financially strong company is welcome news.
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Tailored solutions. Coverage designed for associations may reduce the risk of nasty surprises after claims.
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Stability. With strong ratings and reinsurance, American Integrity is positioning itself as a long-term player.
Of course, the proof will come in the details: premiums, deductibles, exclusions, and the responsiveness of claims handling. Those are the nuts and bolts that decide whether a programme really helps associations sleep better at night—or just adds another layer of paperwork.
Why This Story Matters Beyond Florida
At first glance, this might feel like a Florida-only headline. But step back, and it speaks to bigger themes in the insurance world:
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Rising climate risks are forcing insurers everywhere to rethink coverage. Florida just happens to be the front line.
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Financial strength matters. Consumers and associations alike are paying closer attention to ratings, stability, and reinsurance structures.
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Tailored products are the future. One-size-fits-all coverage is losing ground as insurers recognize that different communities need different protections.
In short: what starts in Florida doesn’t always stay in Florida. Other coastal states—and even inland areas facing tornadoes, wildfires, or floods—will be watching how this programme performs.
Final Thoughts
The launch of American Integrity Insurance’s Commercial Residential Property Programme in Florida is more than a product rollout—it’s a signal. It shows that even in one of the toughest insurance markets in the country, companies are still willing to innovate, expand, and commit to long-term solutions.
Here’s what this really means: if you’re part of a condo or HOA board, 2026 and beyond may bring you new options, but also new responsibilities. You’ll need to dig into the fine print, compare policies, and decide whether a “tailored” programme really lives up to its promise.
For residents, the takeaway is simpler. Insurance may not be glamorous, but it’s the quiet foundation of community stability. When storms hit—and in Florida, they always do—the right coverage can mean the difference between quick recovery and months of chaos.
So while American Integrity’s new programme won’t stop hurricanes from forming, it might just give Florida communities a sturdier umbrella when the winds start to blow.
