Experienced Public Adjusters · Florida property claims

Florida Property Insurance Company Search and Claim Help

Start with the full insurer name on your policy, then use official records and the insurer’s own reporting instructions. A familiar brand or a list of company names is only the beginning.

Reviewed November 3, 2026. General information; the policy, dates and circumstances of your loss matter.

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Search the official Florida company records

The Florida Office of Insurance Regulation company search lets you search by name, identifying code, company type and authorized lines. Review the exact matching entity, its status and any relevant receivership information. OIR cautions that its records change and may not be complete or current at every moment.

A parent group, agency, administrator and issuing insurer can have different names. Ask your licensed insurance agent to clarify the entity and coverage arrangement. If a company does not appear as expected, seek clarification rather than assuming that a similar result is the same insurer.

FedNat, Southern Fidelity, Capitol Preferred and St. Johns

These names should not be treated as ordinary current homeowners-insurance options. The Florida DFS receivership directory lists FedNat, Southern Fidelity and St. Johns in liquidation. Use the exact company and policy in force at the time of loss, together with any assumption or replacement-policy notices.

The listed filing dates are historical and have passed. Do not read this directory as an invitation or assurance that a new claim, objection, supplemental request or lawsuit remains timely. Obtain current directions for the particular file from the receiver or applicable guaranty association, and consult a Florida attorney about legal rights and deadlines.

Where to check an existing Florida claim

The Florida Insurance Guaranty Association (FIGA) provides information about covered claims involving insolvent insurers and lists (800) 988-1450 as its toll-free contact. Eligibility, limits and deadlines apply; FIGA is not a replacement insurance policy. The receiver handles separate estate matters, and the appropriate contact depends on the issue and company.

Keep the old policy, claim number, date of loss, payment history and all receiver or guaranty-association notices together. Ask for the approved document-submission route before sending sensitive records. EPA can discuss property-damage documentation within our licensed role; we do not determine guaranty eligibility, provide legal advice or revive an expired deadline.

Buying coverage and handling a claim are different tasks

For a new policy, work with a licensed insurance agent. Florida DFS provides Verify Before You Buy resources. Review the complete form, endorsements, limits and deductibles, including water, roof, flood, valuable-property and repair provisions that matter to your home.

EPA’s role is public adjusting for the policyholder when engaged. We do not sell insurance or recommend a policy based solely on an insurer’s size, advertising or position in a list.

Already have property damage?

Keep the policy in force at the time of loss, the claim number if reported, the insurer’s estimate or decision, photographs, mitigation records and repair proposals together. Identify what remains unresolved: the cause of loss, damaged areas, repair method, pricing, documentation or a stated policy limitation.

Our claims-contact directory links verified official reporting sources. For a new claim, you may call EPA for help preparing the information; when engaged, we can participate in the reporting call. Do not delay required notice or reasonable measures to prevent further damage.

Carrier-specific resources

Find independent claim guidance for Universal Property & Casualty, Frontline and other companies through the directory. For high-value residences, our premium-policy resources cover matters to examine in private-client policies. A carrier name alone does not determine coverage.

What does an insurance-company ranking tell you?

A market-share table describes a particular measure and period. It is not a ranking of the best claim service or an endorsement of a policy. See our guide to current NAIC market-share reports before comparing lists from different years or lines of insurance.

Florida offices, with a luxury and complex-claim focus

Our priority markets are Orlando, Daytona Beach, Naples and Tampa, generally concentrating on properties within about two hours of our offices. All owners may request an initial review, including homeowners, condominium and HOA associations and commercial property owners. Check the office and service-area guide.

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.

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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.