Experienced Public Adjusters · Florida property claims
Florida Insurer Insolvency and FIGA Property Claims
An insurer’s insolvency can add uncertainty to an already difficult property claim. Start with the insurer’s exact legal name and the official receivership notices.
Reviewed November 3, 2026. General information; the policy, dates and circumstances of your loss matter.
FIGA does not assume every insurance claim
The Florida Insurance Guaranty Association is a limited safety net for qualifying covered claims involving insolvent member property and casualty insurers. Policy coverage and statutory limits apply. Surplus-lines insurers are not FIGA members, and a policy limit does not automatically equal the amount FIGA can pay. Check FIGA’s current eligibility and limit explanations.
Different insurance types may involve different guaranty arrangements. An old list that mixes homeowners insurers with health insurers is not a reliable guide to FIGA coverage.
Use the official company record
The Florida Department of Financial Services’ Division of Rehabilitation and Liquidation maintains receivership information, company notices and filing instructions. Find the exact insurer and review its current status and case-specific documents. Open the DFS receivership resource.
Organize the claim before sending more material
- Complete policy, endorsements and declarations for the loss period.
- Claim number, original reporting date and evidence of prior submissions.
- Payment and denial letters, estimates and any releases.
- Photographs, inspection findings, emergency invoices and repair proposals.
- Receivership notices, proof-of-claim forms and stated deadlines.
FIGA explains that the receiver’s proof-of-claim form must be returned by its filing deadline for consideration by the receiver. Do not assume that sending documents to one recipient fulfills every separate requirement. Ask for clarification promptly; an attorney should evaluate disputed or approaching legal deadlines.
Large and complex claims need careful separation
For a luxury home or association property, separate the damaged building components, contents, valuation questions and applicable limits. When engaged, we help document the loss and present supported claim issues. We cannot promise eligibility, payment timing or recovery beyond applicable coverage and statutory limits.
Request a claim review · Property claim glossary · Florida office contacts.
Start with a clear next step.
Tell us where the property is, what happened and where the claim stands. Luxury homes and complex losses are our focus; all property owners are welcome to ask whether we can help.
Free initial claim review
(888) 881-8416
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Do not delay emergency assistance, reasonable mitigation or required notice while awaiting a consultation. Public adjusting representation requires a separate written agreement describing services and fees.
David Dwyer, designated primary adjuster: Florida license W391016. Experienced Public Adjusters, LLC: firm license W807213. We are not a law firm and do not guarantee coverage or a settlement result.