Safe Harbor Insurance: who you’re dealing with.

Safe Harbor Insurance Company (NAIC #12563) is a Florida-domiciled insurer incorporated in 2006, with its principal office at 2549 Barrington Circle in Tallahassee. Florida's 2023 financial examination report lists its ultimate parent as RM Ocean Harbor Holding, Inc., holding 83.02% of its stock, with Blue Fin Investment Company LLC at 12.31% and Blue Fin II Investment Company LLC at 4.67%. Cabrillo Coastal General Insurance Agency, LLC is its managing general agent and Harbor Claims administers its claims; both are related parties. Your claim is paid by Safe Harbor Insurance Company.

Report a claim to 866-482-5246, the Harbor Claims line published on safeharborflorida.com; 866-896-7233 is customer service and payments. Mail to Harbor Claims, LLC, P.O. Box 357967, Gainesville, FL 32635-7967. To dispute a decision, request the full claim file and the specific policy basis in writing, and note which company signed the letter. Florida offers free Department of Financial Services mediation for residential property claims, and most policies include appraisal for amount-of-loss disputes; South Carolina complaints go to the SC Department of Insurance. Florida generally allows 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.