What's changed at American Traditions
Every update we've tracked for American Traditions, newest first. Each one links to the full note.
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On September 9, 2026, Demotech affirmed its A (Exceptional) rating. The rating is for American Traditions. It is a Financial Stability Rating. A measure of its reinsurance use was 60% to 70% of premium.
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OIR runs a market conduct exam on Hurricane Ian claims
OIR's first market conduct exam reviewed 121 Hurricane Ian claims. It found 6 not acknowledged within 14 days and 25 not paid or denied within 90 days. The report states no fine.
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Approved to take up to 12,000 Citizens policies
Citizens' board approved American Traditions for up to 12,000 policies. It was the December 2023 round to shrink Citizens. Five others were approved too. They were Slide, TypTap, Safepoint, Florida Peninsula and Edison.
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Sister firm Modern USA merges in
Its sister firm Modern USA merged into American Traditions on May 31, 2018. Now the two are one. That day, two Jerger holding firms merged too. Jerger Holding Corporation merged into Jerger Insurance Holding Company.
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American Traditions Insurance Company was formed on August 9, 2005. It got its Florida certificate of authority on December 5, 2005. It began business on January 1, 2006. It was based in Pinellas Park.