Southern Fidelity Insurance Company

Liquidation Date: June 15, 2022
NAIC Number: 10136
Claim Deadline: June 15, 2023
Policy Cancellation Date: July 15, 2022

Effective June 15, 2022, Southern Fidelity Insurance Company (“Company” or “Southern Fidelity”) was ordered into liquidation by the Second Judicial Circuit Court in Leon County, Florida. The Florida Department of Financial Services (“Department” or “Receiver”) is the court appointed receiver for the Company. Copies of the Liquidation Order and other relevant information are available on the Department’s website,

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.

Return of Unearned Premium:
FIGA will pay unearned premium claims after the Receiver completes its processing of the policy records and sends the unearned premium records to FIGA. FIGA began to reissue unearned premiums on August 12th and anticipates to continue to do so through September, in the order in which the records are processed by the Receiver.

Consumer/Claim Calls:
Claimants who need to check on the status of an existing claim should call FIGA at (800) 988-1450.

To report a NEW claim, submit an inquiry on the Receiver’s website at the following link:
Electronic Submissions – New Claims (

To REOPEN an existing claim previously handled by an insolvent company, email FIGA at 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

For flood claims, you may contact National Flood Services at (800) 759-8656 with any policy or claims related inquiries.

All policyholders should be aware that per Section 631.68, Florida Statutes, the deadline for settling a claim or filing suit against FIGA is June 15, 2024.

For questions regarding the receivership, consumers are asked to contact the Receiver by using the “Contact Us” form at the Receivers website, or call the Florida Department of Financial Services at (800) 882-3054.