What to do if your Florida property insurer enters receivership in ZIP 32514

An open property claim can become harder to track when an insurer enters receivership. For a Santa Rosa County property, start with the insurer’s exact legal name on the declarations page. Similar brands can write policies through different companies. Use the Florida Department of Financial Services receivership page to find notices for the company and confirm the claim contact and process.

Keep proof of where the claim stands

Save the claim number, policy, loss date, photographs, payments, estimates and correspondence. Make a one-page summary of what remains open, including any outstanding request for records. If the receiver or guaranty association requests a document you already sent, provide the prior receipt or upload confirmation along with the document. Keep copies of all new notices and the dates you received them.

Ask how your particular claim is handled

The Florida Insurance Guaranty Association handles qualifying claims involving insolvent member insurers. Eligibility and treatment depend on the insurer, the claim and applicable law. If your file includes an unpaid repair invoice and a disputed portion of a building estimate, list them separately. Ask who is handling each item and what deadline or procedure applies to your file. A qualified Florida attorney can advise on deadlines or disputes you cannot resolve through the published instructions.

Official resource

Florida DFS Rehabilitation and Liquidation: https://www.myfloridacfo.com/division/receiver

Ask PAJOE about your claim

For a free initial claim review, call PAJOE Public Adjusters at (850) 842-6424.

Florida Public Adjusting Firm License # W894577
Joseph Whitefall | Florida Public Adjuster
Individual License # E166230

Our public adjusting fee is contingent on a recovery. Before you retain PAJOE, we explain the agreed percentage and the payments to which it applies. Fee terms are set out in our signed agreement. Any outside expenses require separate written authorization consistent with applicable Florida law.

PAJOE provides public adjusting services and does not provide legal advice. Coverage and recovery depend on the policy, the facts of the loss, and supporting evidence. No particular decision, payment, additional recovery, or resolution timeframe is guaranteed.