General patterns reported on this type of claim, not specific findings about Cabrillo Coastal. Every claim turns on its own policy and facts.
Cabrillo Coastal General Insurance Agency, LLC is a managing general agency, it sells and services the policy but is not the risk-bearing insurer. The carrier that underwrites and pays claims is US Coastal Property & Casualty Insurance Company (NAIC #15900), a Florida-domiciled insurer owned by Cabrillo Holdings, LLC. Check your declarations page to confirm the named insurer before you file.
Report a claim to Harbor Claims at 866-482-5246, the claims number published on uscoastalpc.com, or mail Harbor Claims, LLC, P.O. Box 357967, Gainesville, FL 32635-7967. The 866-896-7233 line is Cabrillo customer service and payments, not claims; confirm both on their site. To dispute a decision, request the full claim file and the specific policy basis in writing. Florida offers free Department of Financial Services mediation for residential property claims, and South Carolina complaints go to the SC Department of Insurance. Florida gives you generally 1 year from the date of loss to give notice (§ 627.70132); SC deadlines differ; confirm your dates with counsel.
Their official links, how to file a complaint with the state, and where to take the fight if a claim was denied or underpaid.
Official Cabrillo Coastal pages, for reference. Confirm phone numbers and claim steps on the carrier’s own site.
Not legal advice, and not affiliated with or endorsed by US Coastal Property & Casualty Insurance Company. Facts compiled from public records (NAIC, state regulators, the carrier) and current as of July 2026; company contacts and figures change, confirm against the carrier’s own site.
Upload the denial letter or estimate and your declarations page. A property-insurance attorney reviews it and tells you where you stand, free, no obligation.
HURRICANELAW.PRO A comprehensive property-insurance claim resource for policyholders: denied and underpaid claims, coverage and bad-faith law, storm dossiers, carrier profiles, city guides, and the complete claims playbook. Florida and South Carolina.
▸ SEE THE FULL SITE MAP →Coverage summaries, policy-language quotations, dollar figures, deadlines, and chart examples throughout this site are general information based on typical or standard policy forms and are illustrative only: they are not a quote, a guarantee of coverage, or a promise of any outcome. Every insurance policy is different: your own policy, endorsements, and state law control, so read your policy and confirm current statutes. Weather imagery courtesy of NOAA, the National Hurricane Center, and the National Weather Service. Legal services are provided by Halversen Law. Nothing on this site is legal advice; consult an attorney about your specific claim.
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