Liquidation Date: April 28, 2022
Claim Deadline: August 23, 2023
Effective April 28, 2022, Lighthouse Property Insurance Corporation [“Company” or “Lighthouse”] was ordered into liquidation by the 19th Judicial Circuit Court in the parish of East Baton Rouge, Louisiana. The Louisiana Department of Insurance (“Department” or “Receiver”) is the court appointed receiver for the Company. Copies of the Liquidation Order and other relevant information are available on the Company’s website, https://www.lighthouse.insurance.
With the entry of the liquidation order, the Florida Insurance Guaranty Association (“FIGA”) has been activated to help pay outstanding Florida claims for property and casualty policies. The processing and payment of covered claims will be made by FIGA (subject to the lesser of policy limits or FIGA’s maximum cap). The maximum amount FIGA will cover is generally $300,000 per claim. An additional $200,000 is available for structures and contents on homeowners’ claims. No claim will be paid in excess of this cap. For more information on FIGA’s claim handling see the FAQ section of this website.
New or Existing Claims:
To report a NEW claim or REOPEN an existing claim previously handled by an insolvent company email FIGA at firstname.lastname@example.org or fax 850-523-1888. You will need to provide the following information:
- Policyholder’s Name
- Policy Number
- Claim Number (Reopen only)
- Date of Loss
- Brief description of the loss
- Requestors best contact information (email & phone)
- If other than policyholder reporting, please attach the letter of representation or the assignment of benefits contract
- For Loss Assessment claims, we need the Board approved Assessment Letter along with the breakdown of assessment charges that is being billed to the policyholder
Claimants who need to check on the status of an existing claim should call FIGA at (800) 988-1450. All policyholders should be aware that per Section 631.68, Florida Statutes, the deadline for settling a claim or filing suit against FIGA is April 28, 2024.
Return of Unearned Premium:
FIGA will pay unearned premium claims after the Louisiana Receiver completes its processing of the policy records and sends the unearned premium records to FIGA. FIGA has reissued the unearned premiums for the policy records that have been processed by the Louisiana Receiver. FIGA will continue to send the remainder of the unearned premiums soon after the Louisiana Receiver completes the processing of the policy records.
For questions regarding the receivership, consumers are asked to to visit the company’s website at Property Insurance, Casualty & Home Insurance | Lighthouse or contact the company directly at (888)544-4885.