General patterns reported on this type of claim, not specific findings about Condo Owners Reciprocal Exchange. Every claim turns on its own policy and facts.
Condo Owners Reciprocal Exchange is a reciprocal insurer sponsored by HCI Group, Inc. (NYSE: HCI), the Tampa-area holding company that also owns Homeowners Choice and TypTap. As a reciprocal, its policyholders are members, and day-to-day operations are run by an attorney-in-fact managing company. Your claim is handled by, and paid from, Condo Owners Reciprocal Exchange, NAIC #17547.
Report a claim to CORE at 844-713-5800 or through coreins.com; confirm the current contact 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 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 (§ 627.70132); 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 Condo Owners Reciprocal Exchange 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 Condo Owners Reciprocal Exchange. 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.
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▸ 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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