Frequently Asked Questions

American Traditions Insurance Company
PO Box 830856
Philadelphia, PA 19182-0856

OVERNIGHT
PNC Bank C/O American Traditions Insurance Co
Lockbox Number 830856
525 Fellowship Rd
Suite 330
Mt Laurel, NJ 08054-3415

Yes. You can pay online by registering your policy through the My Policy link. You can also pay by phone by calling 866-561-3433 and selecting option 4.

Under the Policyholder menu, select the ‘Policyholder Login’ link and follow the steps provided. You can also make a payment by reaching out to our customer service team at 866-561-3433.

Contact Customer Service at 866-561-3433 to request a payment plan change. Our customer service team will be available to assist.

Available payment plans include 1, 2, 3, or 4 installments. Feel free to refer to your renewal invoice to see the available options or feel free to contact Customer Service for details.

Yes. Visit https://americantraditions.epaypolicy.com and select ‘Enroll in Autopay.’

Contact your mortgage company right away to confirm whether they sent the payment. If the payment has been sent but has not yet been received, contact your agent or call 866-561-3433 and select option 2 for assistance.

Contact the agent listed on your declarations page first. Your agent is your main point of contact for policy changes and can help coordinate updates with the insurance company.

Contact your agent, call Customer Service, or email endorsements@westpointuw.com.

Submit a signed cancellation request through your agent or email endorsements@westpointuw.com. Include date, reason for cancellation and a forwarding address if applicable. Please allow up to 3 business days for processing.

Under the Policyholder menu, select the ‘Policyholder Login’ link and follow the steps provided. Register using your policy details as shown. Use the password reset option if needed.

Yes, we do. Enroll now to receive paperless policy documents with E-Delivery and you may be eligible to receive a discount on your policy premium.

Click here to enroll.

The NAIC code is 12359. The Florida Company code is 03670.

In most cases, yes. The company may send an inspector to your home about 2 to 6 weeks after the policy is purchased. The inspector typically measures and photographs the exterior of the home and will not attempt to enter gated or locked areas.

A 4-point inspection reviews the four main systems of a home: roof, electrical, plumbing, and HVAC. It may be required to determine whether the home is eligible for coverage. Your agent can help you find an inspector in your area.

A wind mitigation inspection checks for construction features that may help reduce wind damage to your home. In Florida, those features may qualify you for insurance discounts or credits. Your agent can help you decide whether a wind mitigation inspection makes sense for your home.

Self-guided inspections allow policyholders to conduct real-time assessments of their property through their mobile phone, tablet or PC. These digital inspection tools are provided as a convenient and secure option to replace the physical exterior inspections we currently conduct. Please note that we require property inspections as a condition of your insurance policy with us.

You will be contacted via text or email if your home is selected for a self-guided inspection. This assessment will take approximately 30 minutes, and you will typically have 15 days for a new policy and 30 days for a renewal policy to complete it. We currently partner with Chrp and ASAP for self-guided inspections.

If you are unable to complete the self-assessment in the provided timeframe, it may be automatically converted to an in-person inspection with no action needed by the policyholder.

A deductible is the amount you pay out of pocket before your insurance coverage applies to a covered loss. In Florida, many homeowners policies include two deductibles: a hurricane deductible and an all other perils (AOP) deductible. Some policies may also include other separate deductibles, such as one for sinkhole damage.

No. Flood damage is not included in a standard homeowners policy. Flood insurance must be purchased separately. Flood coverage is available through American Traditions, and your agent can provide various options.

Actual cash value (ACV) is the cost to replace property minus depreciation for age or wear. Replacement cost is the cost to repair or replace the item at today’s prices, up to the policy terms, without subtracting depreciation in the same way.

Ordinance or law coverage helps pay to rebuild or repair a home so it complies with current building codes after a covered loss. The standard option listed is 10% of Coverage A, with higher limits of 25% and 50% also available. Your agent can help determine the right option for your home.

Wind excluded policies may be available depending on eligibility. Contact your agent to review your options. If you are currently insured with us and have wind coverage, a new policy excluding wind will be required.

Possibly. If you make improvements or additions to your home, contact your agent to review your coverage. Updates to the home may mean you need more coverage, and some improvements could also qualify for discounts or credits.

This optional endorsement may provide policyholders with a discount of 9.5% up to 15% on their insurance premium depending on the age and material of your roof system. Older roofs can sometimes be uninsurable in the traditional market and this endorsement permits carriers to offer reduced coverage based on the age and material of your roof system. The endorsement only applies to roof losses from windstorm or hail (including hurricane).

The associated deductible (AOP or HUR) would apply to any covered loss.

To select this endorsement for your Homeowners (HO3) Policy, simply click the link below and you will be directed to the Selection of Coverage for Losses to Roof Surfaces of the Dwelling Caused by Windstorm or Hail. Be sure to include your policy number. Processing should occur within 5 business days.

Click here to apply.

To reject this endorsement for your Dwelling (DP3) Policy or your Signature Adult Mobile Home (SA) Policy, simply select the link below and you will be directed to the Selection of Coverage for Losses to Roof Surfaces of the Dwelling Caused by Windstorm or Hail. Be sure to include your policy number. Processing should occur within 5 business days.

Click the home type to reject this endorsement:

DP3

SA

Submit your claim online or call us to report your claim. We are available 24/7 at 1-866-270-8430. Be prepared to provide the following information:

Name, policy number and a valid contact phone number where we may reach you.

Type of loss (theft, wind, fire, water, hail, etc.)

Description of damage to your property.

A friendly examiner will be assigned to assist you through the claims process. If necessary, an independent adjuster will schedule a time to inspect and estimate the damage to your property. Remember your responsibilities following a claim, you should begin to take reasonable steps to protect your property from any further damage as soon as it is safe to do so.