What do I do if
FIGA is handling my claim after carrier insolvency.
Florida Insurance Guaranty Association absorbs claims when private carriers become insolvent.
FIGA is handling my claim after carrier insolvency.
Root cause
Why this happens
Florida Insurance Guaranty Association absorbs claims when private carriers become insolvent.
Know the law
Your rights as a Florida policyholder
FIGA covers up to statutory caps ($300,000 for homeowners, higher for structural). Delays and cap issues are common.
Free claim review
Get a free claim review from a licensed Florida public adjuster.
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
What to do
Solution steps
- 01
Step 1
Understand FIGA caps applicable to your claim
- 02
Step 2
Submit claim through FIGA protocol
- 03
Step 3
Escalate if limits insufficient
- 04
Step 4
Document gap between carrier liability and FIGA coverage
No obligation. No fee unless recovery.
Dealing with this exact problem? Free review.
Licensed Florida public adjuster. No fee unless we recover more.
Similar scenarios
Related problems
The carrier is delaying inspection of my fire damage.
Carrier backlog, complex causation investigation, or subrogation issues can delay fire inspections.
My ALE is capped too low to cover extended-stay housing.
ALE (Coverage D) is typically 10-20% of Coverage A. If your home is uninhabitable for a long time, the cap may be insufficient.
Carrier-selected sinkhole testing minimized the damage.
Carrier-selected geotechnical firms may find less damage than independent firms.
The carrier's sinkhole repair plan is inadequate.
Compaction grouting is the cheapest option. Underpinning or demolition-rebuild may be more appropriate depending on severity.
The driver who hit my house was uninsured.
No uninsured-motorist coverage exists for homes (only auto). Your homeowners policy responds.
Free claim review
Still building your claim? We can help right now.
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Know the law
Relevant statutes
FS 627.70131
Carrier duties and deadlines.
FS 627.70132
Notice of claim deadlines.
FS 626.854
Public adjuster representation rights.
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See also
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Free claim review
Your policy says more than you think. Find out what you are actually owed.
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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