Contact Us

Thank you for choosing Heritage Insurance. It is our goal to provide you with outstanding customer service. We look forward to answering your questions.


Policyholders – Customer Service

Please contact your agent for questions concerning your policy. Your agent’s contact information can be found on your policy declarations page. For general inquiries you may reach us at our toll free number or you may find the answers for many of your questions on our FAQs page.

Fax: 1 (866) 929-4530

Claims Questions

Immediately call Heritage Insurance toll-free at 1-855-415-7120 to report how, when and where the damage occurred. Provide a description of the damage, and if possible, have your policy number handy. Our claims department is at your service 24 hours a day, 7 days a week.

Phone: 1 (855) 415-7120

Fax: 1 (866) 728-0583
What is Assignment of Benefits?

An assignment of benefits (AOB) is a contract between you and a third party – typically a contractor, roofer or water mitigation company – giving them the right to deal directly with Heritage and receive payment for your claim. When you sign an AOB, you give up your right to manage your claim and ensure it is resolved to your complete satisfaction.
In 2019, the Florida Legislature passed common sense reforms aimed at bringing balance to the AOB process. As a result of these reforms, AOB vendors must adhere to certain legal requirements to receive payment for your claim. In addition, policyholders have been given the right to cancel an assignment agreement under certain circumstances and take back control of their claim.
Policyholders, vendors and legal representatives can submit AOB-related documents electronically or by mail.
To submit electronically, email to

To submit by regular mail or via overnight mail send to:
Heritage Property & Casualty Insurance
Attn. AOB Department
1401 N. Westshore Blvd
Tampa, FL  33607


Agency Services – General Inquiries & Underwriting

Please refer to the following information for general inquiries and underwriting.


Sales and Marketing:
Small Agent Support:



Northeast Florida (Jacksonville area)

Central Florida (Orlando Area)

West Central Florida (Tampa, St. Pete, Sarasota area)

Southeast Florida (Miami Area)



Payments can be made though our secure, online portal, or by mail.
To make a payment, please visit our Payment page here.


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