A tarped, hurricane-damaged roof on a Florida home

INSURANCE COMPANY CLAIMS

Safepoint and Manatee Insurance Claim Help

Former Safepoint policies, now Manatee Insurance Exchange. Call Homeland first.

Short answer: Manatee Insurance Exchange is the Safepoint Group’s reciprocal exchange, and Safepoint Insurance Company has been moving its Florida policies to Manatee. At July 31, 2026, Manatee reported 218,704 Florida residential policies and Safepoint 48. If you had a Safepoint policy, your renewal may now say Manatee.

Last reviewed: October 2026

Before you call Manatee, call Homeland. The first report of a loss frames the whole claim. We review your policy, document the damage and give Manatee written notice of the claim for you. Florida (305) 783-3777 · New Jersey (732) 517-3777 · Se habla español.

Free Claim Review Florida (305) 783-3777 New Jersey (732) 517-3777

Manatee Insurance Exchange in Florida, by the numbers

At July 31, 2026, Manatee Insurance Exchange reported 218,704 Florida residential policies in force, ranking #9 among the 163 companies in OIR’s July 2026 report by residential policy count: 106,527 homeowners, 69,437 rental dwelling (DP), 28,907 condo unit (HO-6), 13,823 mobile home, and 10 renters. It reported 1,041 new claims opened in July 2026.

Manatee Insurance Exchange Florida residential policies in force by policy type, July 31, 2026. Source: Florida OIR Monthly Market Intelligence Report

Source: Florida Office of Insurance Regulation, Monthly Market Intelligence Report, July 2026. Figures are company filings published without audit by OIR.

Before you call Manatee

Call us first. We read your policy, then report the claim to Manatee in writing, with the facts and photos that support it.

Before anything is thrown out, photograph and video every room, the roof and the outside, and keep damaged items. Make only the repairs needed to stop more damage, and keep every receipt.

Talk to us before you give a statement or sign anything, whether it comes from the insurance company or a contractor.

We get the full policy, not just the declarations page, because the endorsements and exclusions decide the claim.

Your deadlines and Manatee’s, in Florida

Notice of the claim must be given within 1 year of the date of loss for a new or reopened claim, and within 18 months for a supplemental claim (Fla. Stat. §627.70132). We give that notice for you.

The insurer acknowledges your claim within 7 days, sends you its adjuster’s detailed estimate within 7 days after the adjuster prepares it, and pays or denies within 60 days of notice unless factors beyond its control intervene (Fla. Stat. §627.70131).

If you disagree on the amount, your options include re-documenting and negotiating, the appraisal clause in your policy, and free mediation through the Florida Department of Financial Services. See every option, compared.

What a reciprocal exchange means for your claim

According to Manatee, a reciprocal exchange is an insurer owned by its policyholders, called subscribers, and run by a separate manager called an attorney-in-fact. Manatee’s attorney-in-fact is Manatee Risk Management. For your claim, the rules are the same as with any Florida insurer: the same policy duties, the same deadlines, and the same right to hire a public adjuster.

Where Manatee claims most often need help

Manatee writes homeowners, rental dwelling, condo unit and mobile home policies. When a policy moves from one company to another, check whether the coverage or deductibles changed at renewal; Manatee says its coverage options mirror Safepoint’s. A loss is covered by the company whose policy was in force on the date of loss.

How Homeland helps with your Manatee claim

We represent you, not the insurance company. We read your policy, document the loss, prepare a line-item estimate, and handle the claim with Manatee’s adjusters from start to finish, in English or Spanish. If Manatee has already paid or denied, upload the letter or estimate to Claim Review for a free first read.

Call 24/7: Florida (305) 783-3777 · New Jersey (732) 517-3777 · Se habla español.

Frequently asked questions

Should I call Manatee first?

Call us first. We review your policy and the damage, then give Manatee written notice of the claim, so the claim starts with the facts that support it.

Is Manatee Insurance Exchange the same as Safepoint?

They are separate insurers in the same group. Safepoint Insurance Company has been transferring its Florida business to Manatee Insurance Exchange, Safepoint Group’s reciprocal exchange.

My loss happened before my policy moved to Manatee. Who handles it?

The company whose policy was in force on the date of loss. Check the dates on both declarations pages, and call us if you are not sure.

Sources: Manatee Insurance Exchange, FAQ; Reinsurance News, March 8, 2024; Florida Office of Insurance Regulation, Monthly Market Intelligence Report, July 2026; Fla. Stat. §627.70131; Fla. Stat. §627.70132.

Homeland Public Adjusters is not affiliated with, endorsed by or sponsored by any insurance company named on this page. Company names are used only to identify the insurer. This page is general information, not legal advice.

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Manatee Claims We Handle

We represent property owners on Manatee claims: homes, condo units, rentals, mobile homes, condominium associations and businesses, in English or Spanish. We work for you, never the insurer.

Hurricane & Wind Damage Claims Winter Storm & Roof Damage Claims Water Damage Claims Lightning, Trees & Other Claims Denied & Underpaid Claims Condo & HOA Association Claims Business & Commercial Claims

How Can We Help You Recover?

Call Homeland Before You Call the Insurer

Upload photos of the damage, your policy, or a letter or estimate you already received. A licensed public adjuster reviews it for free and calls you back right away. No Recovery, No Fee.

Start My Claim →Review My Claim →Scan My Policy →

Or call 24/7: (305) 783-3777 Florida · (732) 517-3777 New Jersey. Hablamos español.