FIGA: The Florida Insurance Guaranty Association

FIGA is the state-created safety net that steps in when a licensed property and casualty insurer becomes insolvent. We take over covered claims, issue eligible refunds, and provide steady, reliable support during a moment that can feel uncertain. Our mandate is simple to understand and easy to trust: protect Floridians and keep claims moving when policyholders have nowhere else to turn.

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FIGA steps to guide you when your insurance company can’t

When your insurance company goes insolvent, Florida Insurance Guaranty Association (FIGA) steps in to handle claims. FIGA assumes responsibility for covered property and casualty policies — from home-, auto-, or liability-insurance — paying eligible claims, refunding unearned premiums, and protecting homeowners or drivers from being left unprotected. The site shows what types of losses qualify, outlines claim-filing steps, clarifies statutory limits, and helps you get the support you paid for even when your insurer collapses.

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Recent Insolvencies

If you’ve just discovered that your insurer is listed under recent insolvencies, this section helps you understand what that means and what happens next. You’ll see which companies have been ordered into liquidation, when the transition began, and how FIGA steps in to handle covered claims and unearned premium refunds. This information gives you a clear picture of where your policy stands and what support is now available so you know exactly how to move forward.

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Arrowood Indemnity Company

United Property & Casualty Insurance Company

FedNat Insurance Company

Weston Property & Casualty Insurance Company

Southern Fidelity Insurance Company

Lighthouse Property Insurance Corporation

You have questions. We have answers.

If your insurance company has gone insolvent, it’s normal to feel uneasy. The good news is that you are not left on your own. FIGA exists precisely for moments like this. These FAQs explain what happens next, how your covered claims are protected, how payments continue, and what steps you can take right now to stay secure and informed. You’ll find clear, steady guidance designed to replace uncertainty with confidence.

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How are FIGA assessments computed?

FIGA’s assessments are computed and billed based on the immediate needs of the guaranty association that has claims it needs to pay. Claim files come in from the insolvent insurance company; the adjusters review them, and set appropriate reserves on those files.

Are assessments payable to FIGA prior to or after surcharges are collected (pass-through)?

That determination is ultimately up to the FIGA Board and is based on current and future cash needs for each of the Auto or All Other Account.

Are assessment surcharges applied on a calendar or policy year basis?

Surcharges are applied on a policy year basis for policies beginning during the Assessment Year.

Got a claim? Take the guesswork out of what's next

Got a claim and wondering what happens now? Figafacts gives you a clear starting point. Answer a few questions and get next steps tailored to your needs, showing exactly how your claim moves forward and what FIGA will handle. You’ll get a simple, personalized path that shows exactly where you stand and what to do now so you can move ahead with confidence.

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