Do I receive a rental car?

If you have Rental Reimbursement on your policy, rental is paid on a reimbursement basis. When you turn in your rental car just submit your invoice for immediate reimbursement of your rental expenses. (Note: reimbursement will not include the cost of additional insurance. Subject to the terms and conditions of the endorsement. And subject to applicable policy limits)

What if there is additional damage?

If there is additional damage simply have the repair facility call our supplement hotline at 1-800-919-9114 ext. 4938 or email us at

Can Windhaven™ Insurance pay the body shop directly?

Yes. Advise your adjuster and we will get  Direction to Pay form from the repair shop, authorizing us to pay the repair shop directly.

Why do you need to include the lien-holder on the check?

Florida law requires that the lien-holder be included on any payment over $2500 on the check. With regards to first party claims, the lien holder has to be included on the check regardless of the amount.

What are the policy coverage limits?

Policy limits varies due to our vast program selections and options. A written request may be required for disclosure of the policy coverage limits in accordance to Florida Statutes.

What’s a Claims Tracker?

Notifications on the progress of your claim. Your Claims Tracker is available online, on our mobile app in FL and emailed to you as important steps are resolved for your claim. Notifications are sent to you proactively so you don’t have to call us to find out key information or steps being taken on your claim.

What are the different notifications sent to me?

  • Claim Reported: This means we are in the process of opening your newly reported claim. No need to call back. The next step is on us. We’ll notify you when your claim is officially opened shortly.
  • Claim Opened: This means your claim is officially open. We’re on it. No need to call back. Our next step is to assign an adjuster to evaluate your reported loss.
  • Claims History: This is the timeline and events recorded by date during your claim. The most recent event is always first.
  • Adjuster Assignment Pending: This means we will assign someone soon to your claim. Your adjuster will call and introduce themselves and immediately begin work on your claim to get it resolved.
  • Adjuster Assigned: This is the name of your adjuster who is evaluating your claim. Your adjuster will call you to review your claim. Depending on your claim and the coverages on your or others policies, you may have a few different adjusters evaluating different aspects of your claim.
  • Appraiser Name: This is the Windhaven staff member or 3rd party body shop that you selected to help create an estimate of your loss. If you haven’t yet spoken with your appraiser you can contact them at the number provided to set up an appointment.
  • Appraisal Opened: This means we’re making good progress. We are starting to create an estimate for your loss. No need to call, your adjuster will give you a call to go over your estimate once completed.
  • Coverage: You may have different coverages on your policy. Some protect your vehicle like Comprehensive and Collision, others protect you and passengers in your vehicle like Personal Injury Protection. Liability coverages like Bodily Injury and Property Damage pay for damages to other passengers, vehicles and property if the policyholder is found at fault in an accident. This section details which coverage of your claim is being worked on. Currently the Claims Tracker does not give updates on Personal Injury Protection and Bodily Injury coverages.
  • Payment: This means your claim is about to be paid and will be sent to your address on file.
  • Voided Check: This means you requested that the claims check we sent to be voided or cancelled.
  • Claim Closed: This means your claim has officially been closed. If you have any questions please contact your last adjuster.

Insurance Fraud Unit (IFU)


We fight fraud. If you spot fraud, please call us 1-844-WH-FRAUD so we can help lower the cost of auto insurance. The State Government may pay up to $25,000 to persons information leading to the arrest and conviction of persons committing crimes investigated by the Department of Insurance Fraud… Fla. Stat. §627.726(14)(a).

In Florida 1-844-WH-FRAUD or 1-844-943-7283