How do I file a claim against American Keystone?
There are two different processes for filing claims against American Keystone, a homeowners company. Some claims are covered by the Florida Insurance Guaranty Association ("FIGA") while other claims can only be filed against the estate of American Keystone because they are not covered by FIGA.
FIGA will process loss claims relating to damage to your property which are covered under your homeowners policies and FIGA will cover unearned premium claims on your insurance policy that was cancelled by the liquidation order. Both claims are subject to a $100 deductible.
The process for filing a loss claim with FIGA is contact their office directly at 1-800-988-1450. For additional information on FIGA's processing of loss claims, click here.
Premium refunds covered by FIGA have been mailed. If you have not received a refund check for an amount over $100 and you believe you are due a refund, please contact the Receiver for assistance since their office calculated the refund amounts. For information on unearned premium process, click here.
Claims for losses not covered by FIGA (amounts under FIGA's $100 deductible and amounts that over their coverage caps), agent claims, employee claims, government claims and general creditor claims may become claims against the estate of American Keystone so long as you have a filed claim with the Receiver. The Receiver mailed proof of claim forms to all known claimants on August 24, 2010.
What are the deadlines for filing a claim?
The Receiver's deadline for filing a claim against the estate of American Keystone is October 8, 2010. The deadline for FIGA to settle claims is one year after the Receiver's deadline per Section 631.68, Florida Statutes. Since the Receiver's deadline is October 8, 2010, FIGA's deadline for settling claims is October 8, 2011 unless a lawsuit was initiated.
How do I obtain a proof of claim form?
The Receiver mailed proof of claim forms to all known claimants on August 24, 2010. If you do not receive a proof of claim form by the end of August 2010 and you need to file a claim, please contact the Receiver by using our "Contact Us" form. Alternatively, you may contact the Receiver at #850-413-3081 (toll-free to Florida Residents by calling #800-882-3054).