Orange Insurance Exchange: who you’re dealing with.

Orange is a reciprocal insurer, meaning its subscribers are members who agree to insure one another. Day-to-day operations are run by an attorney-in-fact managing company, and policy service and claims are handled through Cabrillo (cabgen). Your claim is handled by, and paid from, Orange Insurance Exchange, NAIC #17522.

Report a claim to Orange at 866-896-7233, by email to claims@orangeinsure.com, or through the online claim portal at insured.cabgen.com/claimreport; 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.