When is the deadline for filing a claim in the receivership?
The deadline for filing claims in the FSIC receivership is October 2, 2020.
How do I file a claim against the estate of FSIC?
In order for a claim against the estate of FSIC to be considered timely-filed, completed proof of claim forms must be submitted and postmarked by October 2, 2020.
When is the Department sending out proof of claim forms?
On February 25, 2020 proof of claim forms were mailed via the U.S. Postal Service. 3,260 POCs were mailed to policyholders and/or claimants that were involved in an open loss claim. The Department mailed an additional 179 proof of claim forms to the remaining potential claimants on July, 30, 2020.
¿Cómo obtengo un formulario de prueba de reclamación?
If you haven't received a proof of claim form by August 15, 2020, and you would like one, please contact the Receiver by using our "Contáctenos" form. Alternatively, you may contact the Receiver at #850-413-3081 (toll-free to Florida Residents by calling #800-882-3054).
Can I file a proof of claim form in the FSIC estate after the filing deadline? Will it be considered late-filed?
Yes, you may file a proof of claim. However, any form postmarked after October 2, 2020 will be processed as late-filed.
¿Por qué recibí un formulario de prueba de reclamación?
If you have received a proof of claim form, you have been identified as a potential claimant in the estate of FSIC. Receiving a proof of claim form does not mean that you do have a claim in the FSIC estate, only that you were listed in the company records and could potentially have a claim. Potential claimants can include loss claimants, policyholders, general creditors, agents, claims vendors etc
Do I need to submit a proof of claim form to the Department in order to have the guaranty association make payments on my pending FSIC claim?
No. The guaranty association has access to the company claim files and will review your claim to determine if it is a covered claim on which payments may be due. If you are not certain that your claim is covered by the guaranty association and/or you wish to make a claim directly against the FSIC receivership estate, you must submit a proof of claim form to the Department.
Do I need to submit a proof of claim form to the Department in order to have my Return Premium claim processed?
No. Unearned premiums are covered by the Florida Insurance Guaranty Association. Unearned premium refunds for amounts over $100 have been mailed on all policies impacted by the liquidation. There is a statutory deductible of $100 applied and any unearned premium under $100 is subject to the deductible. The Department will not require proof of claim forms from policyholders who have a potential return premium claim in the estate of FSIC. Potential claims include the return premium claims of policyholder claimants who had a policy in force on the date of liquidation and all other return premium claims who the department calculates are due return premium. Policyholders do not need to do anything to file a timely claim for return premium or to have their claim accepted by the Department.
Do I need to submit a proof of claim form to the Department in order to have my invoices for claim related expenses paid?
Yes. If you have unpaid invoices for services related to specific claim files (IME, copy charges, legal defense fees, damage estimation, appraisers, adjusting etc.) your claim is considered a General Creditor, Class 6 claim. A guaranty association does not usually cover these. There may be insufficient assets to pay these types of claims, however, you must file a proof of claim form to have your claims considered. These types of claims are most often considered Master Claims as they involve more than one invoice.
Do I need to submit a proof of claim form to the Department in order to have my commissions (Agents) or General Creditor claims paid?
Yes. Agent's commission claims and general creditor claims are not covered by FIGA, but may be filed as claims in the receivership estate. There may not be sufficient assets to pay this priority of claims; however, you must file a proof of claim form to have your claim considered.
¿Cómo se pagan las demandas en una quiebra?
Las demandas en una quiebra se pagan en orden de prioridades conforme a lo estipulado en el Capítulo 631 del Estatuto de la Florida. Los únicos activos disponibles para su distribución son los activos de la compañía.
How do I report a new property and casualty claim?
New FSIC claims should be reported to the Florida Guaranty Association: you should contact FIGA at:
Florida Insurance Guaranty Association
P O Box 14249
Tallahassee, Florida 32317
FIGA will process claims relating to damage to your property which are covered under your homeowners policies. Claims are subject to a $100 statutory deductible.