Insurer Scorecard.

Florida property insurer · NAIC 14407

Heritage Property & Casualty Insurance Company

Claims-dispute record from the Florida DFS Intent-to-Litigate portal, July 2021 through 2026-10-24.

9,394
notices since July 2021
460
in the last 12 months
#6
of 182 Florida insurers by notices
3.3%
share of all Florida notices
110,922
policies in force (2026-07 quarter, FLOIR)
4.1
notices per 1,000 policies, last 12 months

Monthly new notices

Over the last 12 data months (Nov 2025 to Oct 2026), 460 notices were filed against Heritage Property & Casualty Insurance Company, compared with 988 in the 12 months before that (-53%).

Last 12 data months
MonthNew noticesCumulative
Nov 2025458,979
Dec 2025389,017
Jan 2026519,068
Feb 2026489,116
Mar 2026289,144
Apr 2026399,183
May 2026349,217
Jun 2026389,255
Jul 2026399,294
Aug 2026369,330
Sep 2026329,362
Oct 2026329,394

How to read this

A notice of intent to initiate litigation is the pre-suit notice a Florida policyholder must file with the Department of Financial Services under §627.70152 before suing a property insurer. It records that a claim dispute reached that stage; it is not a finding of wrongdoing, and it does not show how the dispute was resolved. Raw counts rise with insurer size, so compare carriers on the per-1,000-policies figure where one is shown, and see the methodology for inclusion rules, classification and limitations. Withdrawn notices are excluded.

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