Ovation Home Insurance Exchange: who you’re dealing with.

Ovation is a reciprocal insurance exchange, meaning its policyholders are members who insure one another. Day-to-day operations, underwriting, issuing policies, and handling claims, are run by its attorney-in-fact, Ovation Risk Managers. The exchange was launched by Windward Risk Managers. Your claim is handled by, and paid from, Ovation Home Insurance Exchange, NAIC #17621.

Report a claim to Ovation at 888-247-0486 or claims@ovationhome.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.