The Current State of Windhaven Insurance Payments
Hey there! If you’ve landed on this page looking for information about how to pay your Windhaven Insurance bill I’ve got some important news that might surprise you. Windhaven Insurance Company which was once headquartered in Miami, Florida, was actually ordered into liquidation back on January 6, 2020, after being placed into rehabilitation on December 12, 2019.
As someone who’s been tracking insurance companies for years, I want to make sure you have the most current information about what this means for any outstanding bills or payment questions you might have. The situation with Windhaven is a bit complicated, so let’s break it down together.
What Happened to Windhaven Insurance?
Windhaven Insurance Company was a property and casualty insurer that provided non-standard auto insurance policies to approximately 73,000 policyholders. The company was based in Doral, FL, but unfortunately faced financial difficulties that led to its closure.
The timeline of events went something like this
- December 12, 2019 – Windhaven was ordered into rehabilitation
- January 6, 2020 – The company was officially ordered into liquidation
- February 5, 2020 – All Windhaven Insurance policies were cancelled
This means that if you’re still receiving bills or have questions about payments, we need to look at the current system for handling these matters.
Former Payment Options for Windhaven Insurance
Before the liquidation, Windhaven offered several ways to pay your insurance bill:
- Online Portal – Policyholders could log in to view account details and make payments
- Phone Payments – Customer service representatives could process payments
- Mail – Checks or money orders could be sent to their billing address
However, these payment methods are no longer active since the company entered liquidation. The online portal is likely inaccessible, customer service numbers are disconnected, and mailing addresses for payments are no longer valid.
What to Do If You Still Have a Windhaven Bill
If you’re still dealing with an outstanding Windhaven Insurance bill in 2025, here’s what you should know:
Contact the Receivership Team
The Florida Department of Financial Services was appointed as the Receiver for Windhaven Insurance Company. They’re handling the shutdown and claims process for the defunct insurer.
For any questions about outstanding bills, you can reach them at:
- Email: [email protected]
- Phone: 850-413-3081 or 1-800-882-3054 (toll-free for Florida residents)
The Receivership team can look up your policy details and provide guidance on what to do about any outstanding payments.
Check with Your State’s Insurance Guaranty Association
In many states, outstanding Windhaven bills might need to be paid to the state’s Insurance Guaranty Association rather than directly to the Receiver.
For Florida policyholders, this would be the Florida Insurance Guaranty Association (FIGA). They’ve already processed unearned premium refunds for Windhaven policyholders but they may also be handling collection of outstanding premiums.
What About Uncashed Refund Checks?
If you received a refund check from Windhaven but haven’t cashed it yet, don’t try to deposit it! The company’s bank accounts are closed, so the check would bounce.
Instead, contact the Receivership team with your:
- Policy details
- Check amount
- Check number
They can assist with reissuing the refund if you’re eligible.
Alternative Options for Bill Payment
While the traditional methods for paying Windhaven bills are no longer available, there are still ways to handle outstanding payments:
Using doxo for Windhaven-Related Payments
Interestingly, doxo (a bill payment service) still lists Windhaven Insurance as a biller in their system. According to their website, you can pay Windhaven Insurance bills through their platform using:
- Credit card
- Debit card
- Apple Pay
- Bank account
However, I want to be super clear here – before using doxo or any third-party service to make payments related to Windhaven, you should definitely contact the Receivership team first to confirm this is appropriate. Since the company is in liquidation, standard payment processes don’t apply, and you want to ensure your payment goes to the right place.
Important Considerations About Coverage
At this point, with Windhaven Insurance Company shut down for several years, you shouldn’t need to worry about making payments to avoid coverage lapses. All Windhaven policies were cancelled effective February 5, 2020.
Any outstanding bill you owed to Windhaven is now being handled as part of the liquidation and claims process. You don’t risk a lapse in coverage for non-payment of these old bills.
However, if you haven’t already done so (which would be surprising in 2025), you should have secured replacement insurance through another provider. Driving without insurance is both risky and illegal in most states.
For Insurance Agents with Unearned Commission
If you’re an independent insurance agent who sold Windhaven policies and still owe unearned commission, payments should be sent to:
State of FloridaDivision of Rehabilitation & LiquidationP.O. Box 946694Atlanta, GA 30394-6694Be sure to include details on the policies related to the return commission so it can be properly applied.
Frequently Asked Questions About Windhaven Insurance Payments
Can I still access my Windhaven insurance account online?
No, with the liquidation of Windhaven Insurance Company, the online portal is no longer accessible. If you try to log in, you’ll likely receive an error message indicating the system has been deactivated.
What if I already sent a payment that wasn’t processed?
If you sent a payment to Windhaven that wasn’t processed before the liquidation, contact the Receivership team. They can trace the payment and properly credit your policy if it was received.
Do I need to pay my outstanding Windhaven bill?
This depends on your specific situation. Outstanding bills are being handled as part of the liquidation process. Contact the Receivership team for guidance on your particular case.
What happened to Windhaven National Insurance Company?
Windhaven National Insurance Company was a related entity. Claims by or against Florida policyholders are being handled by the Florida Insurance Guaranty Association (FIGA). You can contact them at (800) 988-1450 or visit their website at www.figafacts.com.
How do I know if I’m owed a refund from Windhaven?
The best way to determine if you’re owed a refund is to contact the Receivership team with your policy information. They can check your records and advise on any potential refunds.
Moving Forward After Windhaven’s Liquidation
It’s been several years since Windhaven Insurance Company ceased operations, so most policyholders have likely moved on to other insurance providers. However, if you’re still dealing with unresolved issues related to Windhaven, the Receivership team remains your best resource.
When choosing a new insurance provider, you might want to consider:
- Financial Stability – Check ratings from agencies like A.M. Best or Standard & Poor’s to ensure your new insurer is financially sound
- Coverage Options – Make sure you’re getting the coverage you need at a competitive price
- Customer Service Reputation – Look for reviews and ratings to gauge how the company treats its customers
- Claims Process – Research how efficiently the company handles claims
Lessons Learned from the Windhaven Situation
The liquidation of Windhaven Insurance Company serves as a reminder of the importance of selecting financially stable insurance providers. While price is always a consideration, the cheapest option isn’t always the best if the company can’t remain solvent over time.
I always recommend regularly reviewing your insurance provider’s financial ratings and being aware of any news about your insurer that might indicate potential problems. This can help you avoid the disruption that comes when an insurance company fails.
Conclusion: What to Remember About Windhaven Insurance Bill Pay
To sum things up:
- Windhaven Insurance Company has been in liquidation since January 2020
- Traditional bill payment methods are no longer active
- For questions about outstanding bills, contact the Florida Department of Financial Services Receivership team
- Be cautious about using third-party payment services for Windhaven-related payments without confirming with the Receivership team first
- All Windhaven policies were cancelled in February 2020, so coverage lapse is no longer a concern
Dealing with payments for a liquidated insurance company can be confusing, but hopefully this guide has helped clarify your options. If you’re still holding onto paperwork or have unresolved questions about Windhaven Insurance, now is a good time to contact the Receivership team and get everything sorted out once and for all.
Remember, the most important thing is ensuring you have current, active insurance coverage with a financially stable provider. If you need help finding a new insurer, an independent insurance agent can help you explore your options and find coverage that fits your needs and budget.
Have you had any experiences with insurance company liquidations? We’d love to hear your story and how you navigated the process in the comments below!
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
