Our Financial Stability

As Florida’s property insurance market becomes more volatile, financial stability is becoming an ever-greater concern when searching for homeowners insurance.

With hurricanes and other natural disasters that impact Florida, it is important to know that your insurance company has the financial backing to be there for you when you need them the most. While many of the “name-brand” insurance companies have long since left Florida, some citing declining resources to cover claims and other expenses, you might wonder - if they can’t make it, who can?

With our robust reinsurance program consistently earning us an “A” (Exceptional) Financial Stability Rating® from Demotech, Inc., you can be certain of American Integrity Insurance’s long term stability and commitment to our policyholders.

We carefully manage our geographic areas of growth to protect our current policyholders because, like you, we are also Florida homeowners.

We value stability over growth and will be there when you need us.

Income Statement

Income Statement (Unaudited) through 3 months	September 30, 2022
Net Premiums Earned	144,688,490
Losses Incurred	104,977,783
Loss Expenses Incurred	23,558,357
Other Underwriting Expenses	15,496,768
Total Underwriting Deductions	144,032,908
Net Underwriting Gain Or Loss	655,582
Net Investment Income & Realized Capital Gains	2,021,957
Other Income	-
Net Income Before Dividends to Policyholders	2,677,539
Dividends to Policyholders	-
Net Income After Dividends to Policyholders	2,677,539
Federal and Foreign Income Taxes Incurred	1,528,096
Net Income	1,149,443
Capital and Surplus Account
Surplus As Regard Policyholders December 31, prior year	79,473,903
Net Income	1,149,443
Change in Net Unrealized Capital Gains or (Losses)	1,942
Change In Deferred Tax	933,705
Change in Nonadmitted Assets	355,321
Change in Provision for Reinsurance	-
Change in Surplus Notes	(205,882)
Additional Paid In Capital	-
Change In Surplus	2,234,529
Surplus As Regard Policyholders	$81,708,432

Balance Sheet

Balance Sheet as of September 30, 2022 (Unaudited)	September 30, 2022
*Assets:*	Net Admitted Assets
Bonds:	205,514,888
Cash And Short-term Investments:	78,686,058
Deferred Installment/Agents' Balance Rec:	31,755,944
Net Deferred Tax Asset	6,612,448
Other Assets	82,007,792
Total Assets	404,577,130
*Liabilities and Surplus:*
Loss and Loss Adjustment Reserve:	64,348,231
Net Unearned Premiums	92,382,184
Ceded Reinsurance Payable	142,848,612
Payable to Affiliates	-
Other Liabilities:	23,289,671
Total Liabilities	322,868,698
*Surplus:*
Capital Paid in and Contributed Surplus:	14,250,000
Surplus Note	4,911,765
Unassigned Surplus:	62,546,667
Total Surplus	81,708,432
Total Liabilities and Surplus	404,577,130

Our Financial Stability

Income Statement

Balance Sheet

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