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Bankruptcy and Defaults guides
Filing a claim with an insolvent insurerWhen a home insurer is liquidated, a state guaranty association takes over covered claims. Who to contact, which deadlines matter and what caps apply.Demotech ratings and Florida's insurersWhy most Florida home insurers carry Demotech ratings, what an A (Exceptional) means, how lenders treat it, the 2022 downgrades and the criticism.Financial strength ratings: AM Best, S&P, Moody's and DemotechWhat insurer financial strength ratings measure, how the AM Best, S&P, Moody's, Fitch, KBRA and Demotech scales differ, and how to check yours.Property and casualty guaranty funds explainedHow state guaranty funds pay homeowners claims when an insurer fails: who is covered, typical caps, how they are funded, and what falls outside them.What happens if your home insurer goes insolventWhat liquidation means for your policy, open claim and premium refund, how the guaranty fund steps in, and how to protect your home and mortgage.