Lighthouse Property
A Florida-domiciled property insurer offering homeowners coverage in Florida and select states. Lighthouse focuses on residential property insurance and uses independent agents for distribution.
Headquarters
Boca Raton, Florida
Claims phone
Check carrier website for current claims number
Xactimate
Uses Xactimate for estimates
What Lighthouse Property is known for
- Florida-focused property insurer
- Independent agent distribution
- Residential property specialist
Filing a claim with Lighthouse Property
Practical tips for restoration professionals working Lighthouse Property claims.
Lighthouse operates primarily in Florida's hurricane-exposed market. Document wind and water damage separately and thoroughly.
Submit your Xactimate scope with Florida-specific pricing and building code requirements.
Their claims volume spikes after storms. Get your documentation in early and follow up regularly.
Work through the independent agent when possible for better communication.
Working with Lighthouse Property in Xactimate
Lighthouse Property adjusters write their property damage estimates in Xactimate. When you receive their scope, you can import it into Xactimate and run a line-by-line comparison against your own estimate. Focus on missing line items, incorrect quantities, outdated pricing, and omitted code upgrades. If you start with a PDF estimate from Lighthouse Property, CapOut can convert it to an ESX file so you can load it directly into Xactimate for comparison.
Common deductible types
Frequently asked questions
Lighthouse primarily serves homeowners in Florida with select presence in other states. Check lighthousepropertyins.com for details.
Visit lighthousepropertyins.com for current claims contact information, or contact your independent agent.
Yes. Lighthouse policies in Florida include a percentage-based hurricane deductible separate from the standard all-peril deductible.
Convert your Lighthouse Property PDF to ESX
Upload a PDF estimate from Lighthouse Property. CapOut processes it and sends it directly to your Xactimate account.
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