As of September 13, 2026, the claim-filing windows for this insolvency have already closed. Lighthouse was declared insolvent and placed into liquidation by a Louisiana court (not Florida) on April 28, 2022; the deadline to file with the liquidation estate was August 28, 2022, and Florida Statute 631.68 set August 23, 2023 as the deadline to settle or file suit against FIGA on Lighthouse-related claims. Separately, FIGA’s related emergency assessment on Florida property policies continues through September 30, 2026, with a final premium reconciliation set for February 2028. Policyholders with unresolved claims should confirm their specific options directly with FIGA or a Florida insurance attorney, since the general filing deadlines have passed.
Last updated: September 2026
Lighthouse Property Insurance Corp is at the center of one of Florida’s most damaging insurance collapses in recent years, leaving thousands of Tampa-area homeowners scrambling for answers. If your claims were denied, delayed, or simply abandoned when the company went under, you are not alone.
This article covers everything you need to know about the lighthouse property insurance corp tampa lawsuit and the broader legal fallout from the company’s collapse.
You will learn what happened, who qualifies for relief, how the Florida Insurance Guaranty Association steps in, and exactly how to protect your rights in 2026.
One striking fact worth knowing upfront: Florida has seen more than a dozen property insurers collapse or exit the market since 2020, and Lighthouse was among the most troubled.
What Is the Lighthouse Property Insurance Corp Tampa Lawsuit?
The Lighthouse Property Insurance Corp Tampa lawsuit refers to a collection of legal actions filed by Florida homeowners against the insurer for wrongfully denying, underpaying, or delaying legitimate property damage claims.
These lawsuits are not a single class action filed on one date. They represent hundreds of individual cases and regulatory proceedings, many of them rooted in the Tampa Bay region where Lighthouse concentrated a large portion of its residential policies.
The core allegation in most cases is straightforward. Lighthouse accepted premium payments from homeowners and then refused to pay when damage occurred.
Policyholders reported that the company cited vague exclusions, sent adjusters who undervalued damage, or simply stopped responding to claims. The frustration built for years before regulators took action.
| Key Detail | Information |
|---|---|
| Company Name | Lighthouse Property Insurance Corp |
| Headquarters | Tampa, Florida |
| Primary Legal Issue | Wrongful claim denial, insolvency, bad faith |
| Affected Policyholders | Thousands of Florida homeowners |
| Primary Court Jurisdiction | Hillsborough County Circuit Court, Florida |
| Regulatory Body | Florida Department of Financial Services |
| Year Insolvency Declared | 2022 |
| FIGA Claim Deadline | Check current FIGA notices for 2026 updates |
The Tampa connection matters because Hillsborough County was both the company’s home base and the location of the most concentrated policyholder losses.
Understanding the Broader Lighthouse Insurance Lawsuit
The lighthouse insurance lawsuit is not just one case. It is a pattern of legal action that grew out of years of disputed claims, regulatory warnings, and eventually a formal collapse.
Some homeowners sued individually for breach of contract. Others filed complaints with the Florida Office of Insurance Regulation. A smaller group pursued bad faith claims, which carry additional damages under Florida law.
What tied all these cases together was a consistent story: the insurer took premiums, found reasons to deny claims, and left families with damaged homes and empty bank accounts.
Think of it like hiring a contractor who takes your deposit, shows up once, tells you the job is too complicated, and disappears. That is essentially what many policyholders said Lighthouse did, only with hurricane damage and roof claims instead of a kitchen renovation.
Key lawsuit types filed against Lighthouse:
- Breach of contract claims (failure to pay covered losses)
- First-party bad faith claims under Florida Statute 624.155
- Complaints to the Florida Department of Financial Services
- Regulatory enforcement actions by the Office of Insurance Regulation
- Receivership proceedings initiated by state regulators
The lawsuits span multiple years, with claims dating back to damage events from Hurricane Irma in 2017 through subsequent storm seasons.
Lighthouse Property Insurance Corp Insolvency: What Happened?
Lighthouse Property Insurance Corp insolvency became official when the Florida Department of Financial Services moved to place the company into receivership due to its inability to pay policyholder claims.
The company’s financial problems did not appear overnight. Regulators had flagged concerns about Lighthouse’s reserve levels and claims-paying ability well before the formal insolvency declaration.
Florida’s property insurance market took massive losses from back-to-back hurricane seasons. Several smaller carriers, including Lighthouse, could not absorb the volume of claims and maintain required surplus levels.
| Timeline Event | Year/Period |
|---|---|
| Hurricane Irma claims surge | 2017 to 2019 |
| Regulatory warnings issued | 2020 to 2021 |
| Insolvency proceedings begin | 2022 |
| License revocation | 2022 |
| FIGA assumes claim responsibility | 2022 onward |
| Current policyholder claims processing | 2025 to 2026 |
When a Florida insurer becomes insolvent, it does not simply close its doors. The state takes control through a formal legal process, and policyholders do not lose all their protections.
That is where FIGA enters the picture, which we cover in detail in a later section.
Key Takeaway: Lighthouse Property Insurance Corp’s insolvency was a regulatory and financial collapse years in the making, driven by unsustainable claims exposure and inadequate reserves.
Lighthouse Insurance Corp Receivership: What It Means for You
Lighthouse insurance corp receivership is the formal legal process through which the Florida Department of Financial Services took control of the company’s assets and operations to wind it down and pay outstanding claims.
Receivership is not bankruptcy in the traditional sense. It is a state-supervised process specific to insurance companies under Florida Statute 631.
When a company enters receivership, the state steps in as the receiver. They inventory assets, assess liabilities, and work to pay as many legitimate claims as possible.
For policyholders, receivership means your policy is canceled. But it also means you gain access to FIGA protection for covered claims under certain limits.
What receivership means practically:
- Your policy is terminated as of the receivership date
- New coverage from another insurer becomes essential immediately
- Pending claims at the time of receivership are transferred to FIGA
- New claims for damage that occurred after the receivership date may not be covered
- You may need to file in the receivership proceeding to recover anything beyond FIGA limits
The receivership court in Hillsborough County oversees the distribution of whatever assets Lighthouse held at the time of collapse.
Most policyholders will not recover 100 cents on the dollar through this process. FIGA fills the gap up to statutory limits, which we explain in the FIGA section.
Lighthouse Property Insurance Corp License Revoked: The Full Story
The Lighthouse Property Insurance Corp license revocation was the official regulatory action that ended the company’s ability to write or renew policies in Florida.
The Florida Office of Insurance Regulation revoked Lighthouse’s certificate of authority after determining the company could no longer meet its financial obligations to policyholders.
This was not a surprise action. Regulators had been monitoring the company’s deteriorating financial condition for months before making the revocation final.
License revocation means the company cannot accept new premiums, write new policies, or renew existing ones. Existing policies remain technically in effect until canceled through the receivership process.
| Regulatory Milestone | Details |
|---|---|
| OIR monitoring begins | Triggered by reserve deficiency concerns |
| Consent order or corrective action | Directed company to improve surplus levels |
| License suspension or restriction | Temporary halt on new business |
| Full license revocation | Final end of operating authority |
| Receivership petition filed | State assumes control |
For policyholders, the license revocation was often the first public signal that their insurer was in serious trouble. Many scrambled to find replacement coverage immediately.
If you held a Lighthouse policy at the time of revocation and had not yet filed a claim, you had a narrow window to document damage and initiate the claims process before receivership fully closed off options.
Lighthouse Insurance Denied Claims in Florida: The Pattern of Complaints
Lighthouse insurance denied claims in Florida were not isolated incidents. Consumer complaints to state regulators revealed a pattern of systematic denial and underpayment that affected policyholders across multiple counties.
The Florida Department of Financial Services and the Office of Insurance Regulation each received hundreds of complaints related to Lighthouse’s claims handling practices.
Common reasons cited for denials included vague exclusions for prior damage, disputes over the cause of loss, and adjuster assessments that dramatically undervalued repair costs.
Most frequently reported claim denial reasons:
- Pre-existing damage exclusions applied broadly and inconsistently
- Adjuster estimates far below actual contractor repair costs
- Delays beyond Florida’s statutory response deadlines
- Policy exclusions cited without proper documentation
- Claims closed without payment due to “insufficient documentation”
Florida law requires insurers to acknowledge a claim within 14 days and pay or deny within 90 days of receiving proof of loss. Lighthouse allegedly violated these timelines repeatedly.
The pattern of denials is central to the bad faith claims that many policyholders pursued, because Florida law allows additional damages when an insurer acts in bad faith during the claims process.
Key Takeaway: The denied claims pattern at Lighthouse was not random. It followed a consistent playbook that regulators and courts recognized as systematic underpayment.
Lighthouse Insurance Hurricane Claims: What Policyholders Filed
Lighthouse insurance hurricane claims became the largest single category of disputes, driven primarily by damage from major Florida storm events over the past decade.
Hurricane Irma in 2017 generated a massive wave of claims that Lighthouse struggled to process and pay. Hurricane Ian in 2022 added another surge that pushed the company past its financial breaking point.
Roof damage was the most commonly disputed item in hurricane claims. Lighthouse adjusters frequently classified roof damage as wear and tear rather than storm damage, which allowed the company to deny or reduce payouts significantly.
| Hurricane Event | Year | Impact on Lighthouse Claims |
|---|---|---|
| Hurricane Irma | 2017 | Large initial claims wave, many disputes begin |
| Hurricane Michael | 2018 | Additional pressure on reserves |
| Tropical Storm Eta | 2020 | More southwest Florida claims filed |
| Hurricane Ian | 2022 | Final destabilizing claims surge |
Policyholders with hurricane claims that were denied or underpaid may have options through FIGA if the damage occurred before the receivership date.
If your hurricane claim was denied before receivership, you likely have a preserved right to pursue that claim through the receivership proceedings or through FIGA up to statutory caps.
Lighthouse Insurance Corp Wind Damage Claims: Who Was Hit Hardest?
Lighthouse insurance corp wind damage claims were concentrated in coastal and near-coastal communities where the company had the highest policy concentration.
Hillsborough, Pinellas, Manatee, and Sarasota counties saw the most wind damage claim disputes. These are exactly the areas Lighthouse targeted for growth before its financial troubles accelerated.
Wind damage claims are technically different from hurricane claims in insurance policy language. The distinction matters because some policies cover named-storm wind damage differently than general windstorm damage.
Counties with highest Lighthouse wind claim concentrations:
- Hillsborough County (Tampa)
- Pinellas County (St. Petersburg)
- Manatee County (Bradenton)
- Sarasota County
- Pasco County
- Polk County
Lighthouse adjusters were accused of deliberately misclassifying wind damage as maintenance neglect or pre-existing deterioration to reduce or eliminate payouts.
This is a well-documented tactic in Florida insurance disputes. When an insurer calls storm damage “wear and tear,” it shifts the claim from covered to excluded without ever directly addressing the actual storm impact.
If your wind damage claim was denied with language about prior deterioration or maintenance issues, that specific denial reason is worth examining carefully in light of the broader litigation.
Lighthouse Property Insurance Corp Coverage Disputes: Common Issues
Lighthouse property insurance corp coverage disputes centered on a handful of recurring issues that showed up repeatedly in consumer complaints and court filings.
Understanding what these disputes looked like helps you recognize whether your own experience fits the pattern of documented wrongdoing.
The most common coverage dispute was roofing. Lighthouse frequently denied roof replacement claims by arguing the damage was not sudden and accidental, which is the standard coverage trigger, but instead resulted from years of deferred maintenance.
Most common Lighthouse coverage dispute categories:
- Roof replacement claims denied as maintenance-related
- Water intrusion claims denied due to disputed entry point
- Mold damage excluded after disputed causation determination
- Structural damage underpaid through low adjuster estimates
- Pool and screen enclosure damage excluded as cosmetic
- Personal property claims disputed over documentation requirements
The second major category involved water damage. When water entered a home through storm damage, Lighthouse sometimes argued the entry point was a pre-existing opening rather than storm-created damage.
This distinction allowed them to deny claims that most reasonable people would consider straightforward storm damage coverage.
Key Takeaway: Lighthouse’s coverage disputes followed predictable patterns. If your denial fits one of these categories, you have grounds to pursue further action through FIGA or the courts.
Who Qualifies for the Lighthouse Insurance Lawsuit?
Who qualifies for the lighthouse insurance lawsuit depends on the type of legal action being pursued, but the general eligibility criteria point to former Lighthouse policyholders with unresolved, denied, or underpaid claims.
You likely qualify to pursue some form of recovery if you held a Lighthouse Property Insurance Corp policy, filed a claim that was denied or underpaid, and the damage occurred before the company entered receivership.
FIGA protection applies specifically to Florida residents who held policies with insolvent insurers and had covered claims pending at the time of insolvency.
General eligibility checklist:
| Criterion | Qualifying Factor |
|---|---|
| Policy Type | Residential homeowners insurance through Lighthouse |
| Claim Status | Denied, underpaid, or unresolved at time of insolvency |
| Damage Date | Before the official receivership date |
| Location | Property located in Florida |
| FIGA Coverage Cap | Claims covered up to $300,000 for covered property |
| Policy Exclusions | Damage types not excluded by original policy terms |
Bad faith claims have a different eligibility standard. Those require evidence that Lighthouse acted improperly during the claims process, not just that they denied your claim.
If your claim was denied and you have documentation showing Lighthouse violated Florida’s claims handling requirements, you may have a stronger case for additional damages beyond the original claim value.
Speak with a Florida insurance attorney to assess which specific legal pathway applies to your situation.
Lighthouse Property Insurance Bad Faith: What Florida Law Says
Lighthouse property insurance bad faith refers to claims under Florida law that an insurer failed to deal fairly and honestly with a policyholder during the claims process.
Florida Statute 624.155 allows homeowners to sue their insurer for bad faith if the company acts in a manner that prioritizes its own interests over the policyholder’s right to receive a fair claims settlement.
Bad faith in Florida requires a specific legal process. Before suing, you must file a Civil Remedy Notice (CRN) with the Florida Department of Financial Services, giving the insurer 60 days to fix the problem.
Elements that support a bad faith claim against Lighthouse:
- Claim denial with no reasonable basis
- Failure to conduct a proper investigation
- Adjuster estimates that are clearly inadequate
- Missing statutory deadlines for response or payment
- Failure to communicate meaningful updates during the claims process
- Offering a settlement far below the documented value of loss
Bad faith damages in Florida can go beyond the policy limits. Courts have awarded additional compensation for economic harm caused by the insurer’s improper conduct.
This is significant for Lighthouse policyholders. If the company’s denial caused you to lose your home, take on debt for repairs, or suffer other financial harm, those damages may be recoverable beyond what your policy originally covered.
The receivership complicates bad faith claims. Whether you can pursue bad faith against an insolvent insurer in receivership depends on specific procedural rules and timing.
Lighthouse Property Insurance Claim Denied: What Should You Do Now?
If your lighthouse property insurance claim was denied, the most important thing you can do in 2026 is document everything and contact FIGA immediately to understand your options.
Do not assume that a denial letter ends your options. In many cases, it is the beginning of a process that can result in payment through FIGA, through the receivership estate, or through litigation.
Start by gathering every piece of documentation related to your claim.
Documentation you need to collect right now:
- Your original Lighthouse insurance policy with declarations page
- All correspondence with Lighthouse including emails and letters
- The denial letter with the specific reason for denial
- Any adjuster reports or inspection documents
- Contractor estimates and repair invoices
- Photos and videos of the damage
- Your proof of loss submission with dates
Once you have documentation organized, file a claim with FIGA if you have not done so. FIGA is the state backstop for insolvent insurers and handles covered claims within statutory limits.
If FIGA denies your claim or pays less than you believe you are owed, you have additional options including the receivership claims process and potentially litigation.
Time matters here. Deadlines in FIGA claims and receivership proceedings are strict. Missing a filing deadline can permanently eliminate your right to recover.
Lighthouse Insurance Tampa Florida Complaints: How Bad Did It Get?
Lighthouse insurance Tampa Florida complaints reached significant volumes with the Florida Department of Financial Services in the years leading up to the company’s collapse.
The complaint volume was one of the early warning signs that regulators used to justify closer scrutiny of the company’s operations and financial condition.
Tampa homeowners reported delays that stretched from months into years. Some said they were passed between adjusters with no continuity. Others said they received denial letters that did not match the damage their homes sustained.
Complaint categories documented by Florida regulators:
| Complaint Type | Description |
|---|---|
| Claim handling delays | Responses exceeding statutory deadlines |
| Adjuster conduct | Incomplete inspections, poor documentation |
| Underpayment | Settlement offers far below repair costs |
| Communication failures | No response to calls, emails, or letters |
| Improper denial | Denied claims with cited reasons not supported by policy |
| Cancellation disputes | Policies canceled without proper notice |
The sheer number of complaints gave regulators grounds to require corrective action plans and ultimately pursue license revocation.
For policyholders, these documented complaints serve a practical purpose. They establish that your experience was not unique and that the company’s behavior followed a pattern rather than being an isolated error.
Key Takeaway: The complaint record against Lighthouse in Tampa is publicly available and supports the narrative that the company’s claims handling failures were systematic and documented.
Florida Insurance Guaranty Association and Lighthouse: Your Backup Option
The Florida Insurance Guaranty Association, known as FIGA, is the primary safety net for Lighthouse Property Insurance Corp policyholders whose claims were left unresolved when the company became insolvent.
FIGA is a state-created entity funded by assessments on all licensed Florida insurers. It steps in to cover claims from insolvent carriers so that policyholders are not left with nothing.
FIGA coverage is not unlimited. There are caps on what it will pay, and not every type of claim qualifies.
FIGA coverage limits and rules for Lighthouse policyholders:
| FIGA Parameter | Details |
|---|---|
| Maximum covered claim | $300,000 for covered property claims |
| Cash value coverage | Up to $300,000 for personal property |
| Claim filing requirement | Must file directly with FIGA |
| Eligible claimants | Florida residents with Lighthouse policies |
| Ineligible claims | Claims that fall under policy exclusions |
| Time limit | FIGA has specific claim filing deadlines |
| Coordination | FIGA coordinates with receivership estate |
FIGA does not cover everything your original Lighthouse policy may have covered. Commercial properties, surplus lines policies, and certain other policy types have different treatment.
For residential homeowners with standard policies, FIGA is typically the first and most accessible source of recovery. The process involves filing a claim directly with FIGA and providing the same documentation you would have submitted to Lighthouse.
FIGA moves slowly. Claims can take months to process. But for many policyholders, it is the most realistic path to recovery in 2026.
Lighthouse Property Insurance Settlement: What to Expect in 2026
A formal class-wide lighthouse property insurance settlement has not been publicly announced as of the time this article was written, but individual claim resolutions are occurring through the receivership and FIGA processes.
In Florida insurance insolvency cases, “settlement” takes different forms than in a typical class action lawsuit. Policyholders recover through FIGA payments, receivership distributions, or individual litigation outcomes.
What you can realistically expect in 2026 depends on where your claim stands in the process.
Recovery scenarios for Lighthouse policyholders in 2026:
| Scenario | Likely Outcome |
|---|---|
| FIGA claim approved | Payment up to $300,000 cap based on documented loss |
| Receivership distribution | Partial payment based on available estate assets |
| Individual lawsuit judgment | Full damages if bad faith proven, subject to collectability |
| Claim denied by FIGA | Appeal process available, potentially followed by litigation |
| Claim past filing deadline | Likely barred from recovery |
The receivership estate will distribute assets to claimants after the receiver liquidates Lighthouse’s remaining assets. Policyholders are priority creditors, but available assets may not cover all claims fully.
If you have not yet engaged with FIGA or the receivership court, 2026 is a critical year to act. Distributions begin when the court approves a plan, and late claimants may receive nothing.
Lighthouse Property Insurance Policyholder Rights: Know Where You Stand
Lighthouse property insurance policyholder rights are protected under Florida law even though the company is no longer operating.
Florida statutes governing insurance insolvency, FIGA coverage, and bad faith claims all remain available to former Lighthouse policyholders.
Your rights did not expire when Lighthouse’s license was revoked. They transferred to a different process governed by different institutions.
Core rights available to former Lighthouse policyholders:
- The right to file a claim with FIGA for covered losses
- The right to participate as a creditor in the receivership proceeding
- The right to appeal a FIGA denial through administrative process
- The right to pursue individual litigation for bad faith conduct
- The right to access your policy documents and claims file
- The right to an independent appraisal of your loss under your original policy terms
One right that many policyholders overlook is the appraisal clause. Most homeowners insurance policies include a provision allowing either party to invoke a binding appraisal process when there is a dispute over the amount of a loss.
This can be an effective tool for recovering more than the initial claim offer, even in the context of insolvency proceedings.
Knowing your rights also means understanding the deadlines attached to each one. Letting deadlines pass is the single most common way policyholders lose their ability to recover.
Key Takeaway: Former Lighthouse policyholders retain meaningful legal rights in 2026. The insolvency changed how those rights are exercised, not whether they exist.
Lighthouse Insurance Corp Regulatory Action: The Government’s Response
Lighthouse insurance corp regulatory action began with enhanced monitoring and escalated through consent orders, license restrictions, and ultimately license revocation and receivership.
The Florida Office of Insurance Regulation has statutory authority to intervene when a carrier shows signs of financial distress. Lighthouse triggered that intervention through inadequate surplus levels and mounting claims liabilities.
Florida regulators do not take insolvency action overnight. There is typically a sequence of required steps, notifications, and opportunities for the company to correct deficiencies before the most drastic measures are taken.
Regulatory action sequence in Florida insurance insolvency:
| Stage | Regulatory Action |
|---|---|
| Stage 1 | Financial monitoring and reporting requirements |
| Stage 2 | Corrective action plan required |
| Stage 3 | Consent order with specific performance benchmarks |
| Stage 4 | License restriction or suspension |
| Stage 5 | License revocation |
| Stage 6 | Receivership petition filed in circuit court |
| Stage 7 | Receiver appointed, FIGA notified |
The Florida Department of Financial Services publishes public records of receivership proceedings. Former policyholders can access filings, claim forms, and distribution notices through the Division of Rehabilitation and Liquidation.
These public records are important because they establish your rights as a creditor and provide the official deadlines you must meet to participate in any distribution from the estate.
How to File a Claim Against Lighthouse Insurance in 2026
Filing a claim against Lighthouse insurance in 2026 means going through either FIGA, the receivership court, or both, depending on your specific situation.
The company itself no longer processes claims. All claim activity runs through the state-managed processes that replaced normal company operations.
Here is a step-by-step approach for 2026.
Step-by-step claim filing process:
| Step | Action |
|---|---|
| Step 1 | Locate your original Lighthouse policy documents |
| Step 2 | Gather all documentation of the damage and prior claim activity |
| Step 3 | Contact FIGA directly to initiate or check the status of your claim |
| Step 4 | File a proof of claim with the receivership court if not already done |
| Step 5 | Request a copy of your complete claims file from the receiver |
| Step 6 | If FIGA denies your claim, request the written denial reason |
| Step 7 | Consult with a Florida insurance attorney about further options |
| Step 8 | Monitor the receivership docket for distribution plan updates |
FIGA contact information is publicly available through the Florida Division of Rehabilitation and Liquidation website. You can also find claim filing instructions and deadlines through the official receivership case docket in Hillsborough County.
Do not wait for someone to contact you. The receivership process does not automatically notify all potential claimants. You have to take action.
If you are unsure whether to file with FIGA, with the receivership court, or both, the general answer is both. Filing in both places protects your rights regardless of how the legal proceedings resolve.
Frequently Asked Questions
Is Lighthouse Property Insurance Corp still operating in 2026?
No, Lighthouse Property Insurance Corp is not operating as of 2026.
The company had its Florida insurance license revoked and was placed into state receivership, which ended all normal business operations.
All outstanding matters are now handled through the Florida Division of Rehabilitation and Liquidation and FIGA.
What happens to my policy if Lighthouse Property Insurance Corp went insolvent?
Your Lighthouse policy was canceled as of the receivership date.
You should have obtained replacement coverage immediately from another Florida-licensed insurer.
Your covered claims from before the receivership date may be eligible for payment through FIGA up to the statutory limits.
How do I file a claim with FIGA after Lighthouse Insurance became insolvent?
Contact FIGA directly through the Florida Division of Rehabilitation and Liquidation, which manages insolvent carrier claims.
You will need your original policy documents, proof of loss documentation, and any prior correspondence with Lighthouse about your claim.
Filing deadlines apply, so the sooner you initiate the process the better.
Can I sue Lighthouse Property Insurance Corp for bad faith in Florida?
Pursuing a bad faith claim against an insolvent insurer in receivership is procedurally complex in Florida.
You may need to file your bad faith claim through the receivership proceeding rather than as a separate lawsuit.
A Florida insurance litigation attorney can assess whether your specific situation supports a viable bad faith recovery pathway.
How much could I recover from a Lighthouse Property Insurance Corp claim or lawsuit?
FIGA covers claims up to $300,000 for residential property damage, which is the most common recovery path.
Additional amounts may be available through the receivership estate, though total recovery depends on available assets.
Bad faith claims, if successful, can result in damages beyond your original policy limits, but those are harder to recover in an insolvency context.
Filing Claims and Protecting Your Rights in 2026
If you were a Lighthouse Property Insurance Corp policyholder, 2026 is the year to act. The receivership is in its distribution phase. FIGA claims are being processed. Deadlines are real.
Gather your documentation now. File with FIGA if you have not done so. Monitor the Hillsborough County receivership docket for updates.
The insolvency changed the process. It did not eliminate your right to recover what you are owed.
