Frequently Asked Questions

What is the financial security of American Coastal?

American Coastal received an A – Exceptional Financial Stability Rating ® from Demotech, Inc. Click here to visit the Demotech website.

Will mortgage companies accept the American Coastal policy?

According to Demotech, Demotech Financial Stability Ratings® of “A” or better are accepted by Fannie Mae, Freddie Mac, and HUD. American Coastal has received a Demotech Financial Stability Rating® of A, Exceptional.

Can you tell me more about American Coastal’s reinsurance program?

American Coastal’s reinsurance program minimizes catastrophe exposure by transferring the risk to a consortium of reinsurance companies. All companies providing reinsurance to American Coastal have an AM Best rating of “A”. American Coastal also purchases the maximum available protection from the Florida Hurricane Catastrophe Fund (FHCF). ACIC is managed by an experienced executive team and pledges to be responsible underwriters in all facets of our business, including claims adjudication, policy administration, and reinsurance placement.