Division Director

Toma Wilkerson

Assistant Division Director

Mary Linzee Branham

Division of Rehabilitation and Liquidation
Alexander Building
2020 Capital Circle SE
Suite 310
Tallahassee, FL 32301

Frequently Asked Questions
Florida Specialty Insurance Company

Do I have insurance now?

Yes. FSIC will continue to honor insurance policies until the cancellation date of November 1, 2019, unless otherwise terminated prior to that date.

Should I get an insurance policy with another company? If so, what are my options and how will I get my unearned premium refund?

Yes, contact your agent.  To assist your agent and you in this process, we also have notified your agent directly of the cancellation of your policy.  Your agent can find new homeowners coverage for you with another insurance company prior to November 1, 2019.  You will receive a check for any unearned premium, minus a $100 statutory deductible, owed to you after your policy has been cancelled.


If you cannot find new property coverage, Citizens Property Insurance Corporation ("Citizens") will provide you with a guaranteed offer of coverage, but you must contact your agent to bind the coverage.  Your premium may be different, but any unearned premium due back from FSIC, minus a $100 statutory deductible, will be sent to Citizens and applied to your new coverage amount.  Citizens will offer you a payment plan for your initial coverage amount.  Please visit http://www.citizensfla.com/floridaspecialty for more information.


If you do nothing, your policy will be cancelled effective 12:01 a.m. on November 1, 2019, and you will no longer have insurance coverage.  You will receive a check for any unearned premium, minus a $100 statutory deductible, owed to you after your policy has been cancelled. 

If I have already filed a property and casualty claim with FSIC, will the liquidation affect the status of my claim?

​There is a process in place for payment of covered claims incurred before 12:01 a.m. on November 1, 2019.   The Florida Insurance Guaranty Association ("FIGA") was activated to help pay outstanding claims for FSIC policies.  At the appropriate time, the processing and payment of pending covered claims will be taken over by FIGA.

If I have a pending refund related to a rate rollback, how will I get my refund?

​Any pending refunds related to a rate rollback that resulted in an overpayment will be included in the cancellation refund paid by FIGA.

When will FIGA take over payment of my claim?

​The Department is currently working to transition claim files and claim data to the guaranty association to continue the processing of claims. There may be a slight delay in claim processing during this transitional period. Additional information can be found on the Department’s website at  www.myfloridacfo.com/division/receiver/. Once the transition is over, updated contact information for FIGA will be posted to the website to assist policyholders in filing a new claim or in following up on a pending claim. 

There is a lawsuit being brought against me for bills that FSIC should have paid. What should I do?

​Please contact FSIC using the company's normal claims filing procedures until notified otherwise.

I filed a lawsuit against FSIC prior to their entry into liquidation. Why can't the lawsuit progress?

​Pursuant to the Liquidation Order and to Section 631.041(1), Florida Statutes, there is an automatic stay in place prohibiting judicial and administrative proceedings against the company.

How do I report a new property and casualty claim?

​Please continue to report all new claims to FSIC in accordance with the company's normal claims filing procedures until instructed differently.  FSIC's home office can be contacted at:

Florida Specialty Insurance Company

1 South School Avenue, Suite 900

Sarasota, FL 34237-6014

Main Office Phone Number: (941) 210-5670

Toll Free Telephone Number: 866-554-5896

Email: claims@floridaspecialty.com

or by accessing the website at: http://www.floridaspecialty.com