If you’ve been trying to figure out how to pay your Windhaven Insurance bill by phone, I’ve got some important news that might explain why you’re having trouble. Windhaven Insurance Company is no longer operational – it was placed into liquidation back in January 2020 after a brief rehabilitation period that began in December 2019
As someone who’s helped many readers navigate insurance changes, I understand this situation can be confusing and frustrating. Let me walk you through what happened to Windhaven and what you need to know if you still have outstanding bills or payment concerns.
What Happened to Windhaven Insurance?
Windhaven Insurance Company was a Florida-based property and casualty insurer that provided non-standard auto insurance to approximately 73,000 policyholders. The company was headquartered in Miami and offered coverage primarily for higher-risk drivers.
The timeline of events went like this:
- December 12, 2019: Windhaven Insurance Company was ordered into rehabilitation
- January 6, 2020: The company was ordered into liquidation by the Second Judicial Circuit Court in Leon County, Florida
- February 5, 2020: All Windhaven Insurance policies were officially cancelled
This means that if you’re trying to pay a bill by phone or any other method directly to Windhaven, you won’t be able to do so through their original customer service channels.
Former Windhaven Insurance Phone Numbers
Before liquidation Windhaven Insurance had several phone numbers for different departments
- Toll-Free Number (to report new claims): (866) 595-4080
- Customer Service: (866) 721-6795 – This was their most used number, with 57% of consumers using it to address issues
- Fraud Reporting: (844) 943-7283
- Claims Department (for existing claims): (800) 919-9114
However, attempting to call these numbers now will likely result in disconnected lines or messages stating the numbers are no longer in service. The company’s online payment portal has also been deactivated.
What To Do If You Still Have Outstanding Bills
If you still have an outstanding bill with Windhaven Insurance here’s what you need to know
Contact the Receivership Team
Since Windhaven is in liquidation, the Florida Department of Financial Services was appointed as the Receiver. They’re handling the shutdown and claims process for the defunct insurer.
For outstanding bill concerns, contact:
- Email: [email protected]
- Phone: 850-413-3081 or 1-800-882-3054 (toll-free for Florida residents)
- Mail: Florida Department of Financial Services, Receiver of Windhaven Insurance Company, 325 John Knox Road, Atrium Building, Suite 101, Tallahassee, FL 32303
The Receivership team can look up your policy details and provide guidance on any remaining payments.
Florida Insurance Guaranty Association
The Florida Insurance Guaranty Association (FIGA) has been handling many aspects of the Windhaven shutdown, including processing unearned premium refunds for policyholders.
If you still owe a premium or have an outstanding bill, FIGA may be the correct entity to make payment to instead of directly to the Receiver. You can contact them at:
- Phone: (800) 988-1450
- Website: www.figafacts.com
For Windhaven National Insurance Company
Windhaven National Insurance Company is a related company that was also placed into receivership. If you had a policy with Windhaven National:
- Claims by or against Florida policyholders are being handled by FIGA
- For other matters related to Windhaven National, email [email protected]
Important Things to Remember About Outstanding Payments
If you still have pending bills or payment concerns with Windhaven, here are some key points to remember:
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Don’t mail payments to old addresses – Any previous Windhaven Insurance Company payment addresses are closed, and checks sent there will be returned or rejected.
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Don’t try to cash old refund checks – If you received but haven’t cashed a refund check from Windhaven Insurance, don’t attempt to cash it now. The company’s bank accounts are closed, and the checks would bounce. Instead, contact the Receivership team for assistance with reissuing the refund if eligible.
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No risk of coverage lapse – With Windhaven shut down, you no longer need to worry about making payments to avoid coverage lapses. All policies were cancelled effective February 5, 2020.
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Find new insurance coverage – If you haven’t already, you should seek replacement insurance immediately by contacting an independent insurance agent. Don’t drive uninsured!
For Insurance Agents with Unearned Commission
Independent insurance agents who sold Windhaven policies and owe unearned commission should send payments to:
State of Florida
Division of Rehabilitation & Liquidation
P.O. Box 946694
Atlanta, GA 30394-6694
Be sure to include details on the policies related to the return commission for proper application.
The Reality of Windhaven’s Customer Service Experience
It’s worth noting that before liquidation, Windhaven Insurance didn’t have the strongest customer service reputation. Based on 50 reviews, they had an average rating of just 1.5 out of 5 stars. Common issues included:
- Billing practices
- Policy cancellations
- Refund problems
- Claims handling
The average call time to customer service was about 3 minutes, with Monday being the day with longest wait times and Sunday having the shortest. Despite this, only about 10% of customer service issues were reported as resolved through their phone support.
Moving Forward After Windhaven’s Liquidation
If you were a Windhaven policyholder, here’s what I recommend:
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Confirm your current insurance status – Make sure you have active coverage with another insurer.
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Resolve any outstanding financial matters – Contact the Receivership team or FIGA if you have questions about bills, refunds, or claims.
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Keep documentation – Maintain copies of all correspondence, policy documents, and payment records related to your Windhaven policy.
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Check your credit report – Make sure there are no incorrect marks on your credit report related to unpaid insurance premiums.
The liquidation of an insurance company can be a messy process, but understanding who to contact can make resolving any remaining issues much smoother.
While you can no longer pay your Windhaven Insurance bill by phone directly to the company, there are established channels to address any outstanding payments or concerns through the Florida Department of Financial Services Receivership team or FIGA.
The most important thing to remember is that all Windhaven policies were cancelled by February 2020, so your primary concern should be ensuring you have proper coverage through another insurer if you haven’t already secured it.
Frequently Asked Questions 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, 20 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
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:
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 FIGAs 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 [email protected] 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 cant 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:
*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)
FIGA will process claims relating to damages which are covered under your automobile policies. Claims are subject to a $100 statutory deductible. 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
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 or by calling 1-850-413-3081 (toll free at 1-800-882-3054 for Florida residents) How do I file a claim against the estate of WIC?
In order for a claim against the estate of Windhaven to be considered timely-filed, completed proof of claim forms must be submitted and postmarked by January 6, 2021. How do I obtain a Proof of Claim form? On September 30, 2020 the mailing of approximately 55,000 proof of claim forms began via the U.S. Postal Service. If you havent received a proof of claim form by November 1, 2020 and you would like one, please contact the Receiver by using the
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FAQ
What happened to Windhaven insurance?
… for Travis County, 419th Judicial District (Court) found that Windhaven National Insurance Company (WNIC) was insolvent, and placed it into liquidation …
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