Apex Star: who you’re dealing with.

Apex Star Reciprocal Exchange (NAIC #17742) is a Florida-domiciled reciprocal insurer, which means its policyholders are the subscriber-owners of the exchange and a separate management company runs it. StarLight Management Group, LLC, part of the Tampa-based StarLight Insurance Group, is that administrator, and Star Vantage Reciprocal Exchange is its Mississippi affiliate. FLOIR approved Apex Star on April 7, 2025 for fire, allied lines, homeowners multi-peril, commercial multi-peril, inland marine and other liability. Your claim is handled by, and paid from, the exchange.

Apex Star publishes 888-876-8005 under a contact block headed for former Citizens policyholders, labeled Report a Loss and General Questions; its main company number is 888-227-1225 and its mailing address is 6135 W. Sitka St., Tampa, FL 33634. Confirm which line applies to your policy on apexstarins.com before relying on either. To dispute a decision, request the full claim file and the specific policy provision relied on, in writing. Florida offers free Department of Financial Services mediation for residential property claims, and most policies include an appraisal clause for amount-of-loss disputes. In Florida you generally have 1 year from the date of loss to give notice and 18 months for supplemental claims (Fla. Stat. 627.70132); confirm your dates with counsel.