Division Director

Toma Wilkerson


Division of Rehabilitation and Liquidation
325 John Knox Road
Atrium Building, Suite 101
Tallahassee, FL 32303
1-800-882-3054

Frequently Asked Questions
Windhaven Insurance Company

What do I do if I have an uncashed Windhaven Insurance Company check drawn from the Bank of America?

​The Windhaven Insurance Company's accounts at the Bank of America are closed effective March 25, 2020.  Please do not attempt to negotiate any uncashed checks as they will be returned.

For assistance with uncashed checks you may contact the Department by using the "Contact Us" form within the Receiver's website at www.myfloridacfo.com/division/receiver.  Someone from the Department will review your inquiry and contact you.  You may also contact the Department by calling (850) 413-3081 or toll free at 1-800- 882-3054.  Your inquiry will be directed to the appropriate staff member for review and handling. 

Is my insurance policy still in force?

No, Under the receivership Order, all insurance policies issued by Windhaven Insurance Company are cancelled effective 12:01 a.m. on February 5, 2020; unless otherwise terminated prior to that date.

Should I get an insurance policy with another company?

Yes, your policy was cancelled effective 12:01 a.m. on February 5, 2020; unless otherwise terminated prior to that date.   Your agent is best able to advise you as to your insurance options.  To assist your agent and you in this process, we also have notified your agent directly of the cancellation of your policy. 

I am a policyholder/insured and am due unearned premium (premium refunds). Will I be paid?

FIGA has been activated and will pay covered unearned premium claims to Windhaven policyholders after the Department completes its processing of the policy records and sends the unearned premium records to FIGA.  A $100 per policy statutory deductible will be applied to policy refunds and will be deducted from the amount paid.

What if my refund is less than $100?

​If your unearned premium refund is less than $100 you will not receive a refund check from FIGA. If the Receiver subsequently determines that adequate funds are available, it will process and pay the refunds that are less than $100. The payment of claims in a receivership are paid in priority order as defined by Florida Statutes, Chapter 631. The only assets available for distribution are the assets of the company.

If I have already filed a claim with WIC, will the Receivership affect the status of my claim?

No. FIGA has been activated to help pay covered outstanding claims for Windhaven policies. 

What is the Florida Insurance Guaranty Association?

​The Florida Insurance Guaranty Association (FIGA) is a nonprofit corporation statutorily created to provide a mechanism for the payment of certain covered claims when an insurance company is ordered liquidated.

How do I contact the Florida Insurance Guaranty Association (“FIGA")?

​Call: 1-800-988-1450 (toll-free)
Fax: 1-850-523-1888 
Web: www.figafacts.com

When will FIGA take over payment of my claim?

The Department has now transitioned claim files and claim data to FIGA to continue the processing of claims. 

Does FIGA have limits on the covered claims they process and pay?

​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 your existing policy limit or $300,000. No claim will be paid in excess of this cap. All claims are subject to a $100 statutory deductible over and above any deductible identified in your policy. You may file a claim in the estate of the insurance company for the $100 deductible and for amounts over the cap. Some claims are covered by the guaranty association (FIGA) and some claims can only be filed against the estate of Windhaven because they are not covered by the guaranty association (FIGA).

I am a policyholder/insured and I just received a Summons/Complaint/Subpoena (lawsuit) regarding a claim I was involved in. What should I do?

Please email a copy of the summons/complaint/subpoena to litigation@agfgroup.org or fax it to 850-523-1888.

A lawsuit was filed against me prior to the receivership. Is the company still handling this on my behalf?

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

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

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

Can I file a lawsuit against Windhaven Insurance Company?

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

Where should I send additional bills or information regarding an existing claim with WIC?

Please send all documentation regarding a existing claim to FIGA:

MEDICAL BILLS:
Careworks /FIGA
2000 Mallory Lane
Ste 130-612
Franklin, TN  37067

 

ALL OTHER CLAIMS MAIL:
FIGA re Windhaven Insurance Company
P.O. Box 14249
Tallahassee, FL 32317

*Please reference your claim number on all correspondence.

How do I report a new claim ?

New WIC claims should be reported to the Florida Guaranty Association: you should contact FIGA at:
Florida Insurance Guaranty Association
P O Box 14249
Tallahassee, Florida 32317
1-800-988-1450 (toll-free)

I have a question on an existing claim. Who do I call?

FIGA has been activated to help pay covered outstanding claims for Windhaven Insurance Company policies. Please call FIGA regarding all existing claims at 1-800-988-1450.

I need a Letter of Experience, how do I get one?

​You may contact the Department by using the "Contact Us" form within the Receiver's website at  

or by calling 1-850-413-3081 (toll free at 1-800-882-3054 for Florida residents)

I need a copy of the PIP log, where do I get that from?

If the claim is Open, contact FIGA:

1-800-988-1450 (toll-free) Fax 1-850-523-1888 or www.figafacts.com

 

If the claim is Closed, contact the Florida Department of Financial Services. 

You may contact the Department by using the "Contact Us" form within the Receiver's website at  www.myfloridacfo.com/division/receiver/ or by calling 1-850-413-3081 (toll free at 1-800-882-3054 for Florida residents)

How are claims paid in a receivership?

​The payment of claims in a receivership are paid in priority order as defined by Florida Statutes, Chapter 631. The only assets available for distribution are the assets of the company.

How do I file a claim with the Windhaven receivership?

The Department will update the FAQs with instructions for filing a claim soon.  Please check back frequently.  A Proof of Claim form must be properly filed with the Department to establish your claim in the estate.  The claims filing deadline is set by the Court as January 6, 2021.

I am a vendor providing claim services and I am owed money for services performed before the receivership date. Will my bills be paid?

The Department will update the FAQs with instructions for filing a claim soon.  Please check back frequently.  A Proof of Claim form must be properly filed with the Department to establish your claim in the estate.  The claims filing deadline is set by the Court as January 6, 2021. The payment of claims in a receivership are paid in priority order as defined by Florida Statutes, Chapter 631. The only assets available for distribution are the assets of the company.

How do I obtain a Proof of Claim form?

​The Department will mail proof of claim forms to all known possible claimants in the near future.  An option for requesting a proof of claim form will be posted on the Department website soon.

Do I need to submit a proof of claim form to the Department in order to have the guaranty association (FIGA) make payments on my pending Windhaven claim?

​No. The guaranty association (FIGA) has access to the company claim files and will review your claim to determine if it is a covered claim on which payments may be due. If you are not certain that your claim is covered by the guaranty association and/or you wish to make a claim directly against the Windhaven receivership estate, you must submit a Proof of Claim form to the Department. The Department has not yet begun the proof of claim filing process. Once the proof of claim process begins, information will be posted to the Department's website on how you can obtain a proof of claim form.

I have recently changed my name or mailing address and need to update the company’s records to make sure I receive any information mailed to me. What do I do?

​It is your responsibility to notify the Department, in writing, if you change your name or mailing address. You can download the appropriate form and instructions from the Department's website, www.myfloridacfo.com/division/receiver/. Whenever you are corresponding with the Receiver, be sure to reference your policy number and/or claim number which will allow the Department to associate your request with the correct receivership.

Windhaven Insurance Company Contact Information:

To Report a New Claim (800) 988-1450
To Discuss an Existing Claim (800) 988-1450

Who do I call for non-claims related questions?

​If you have any non-claims related questions regarding the receivership, please contact the Department at Consumer.Services@myfloridacfo.com or by calling (850) 413-3081 or toll free at 1-800-882-3054.

How do I contact the Florida Department of Financial Services which is the court-appointed Receiver of Windhaven?

​You may contact the Department by using the "Contact Us" form within the Receiver's website at  www.myfloridacfo.com/division/receiver/

or by calling 1-850-413-3081 (toll free at 1-800-882-3054 for Florida residents)

or correspondence should be mailed to:
Florida Department of Financial Services,

Receiver of Windhaven Insurance Company
325 John Knox Road, Atrium Building, Suite 101
Tallahassee, FL 32303