Insurer Scorecard.

Florida property insurer · NAIC 16186

Vault Reciprocal Exchange

Claims-dispute record from the Florida DFS Intent-to-Litigate portal, July 2021 through 2026-10-24.

66
notices since July 2021
4
in the last 12 months
#120
of 182 Florida insurers by notices
0.0%
share of all Florida notices
553
policies in force (2026-07 quarter, FLOIR)

Monthly new notices

Over the last 12 data months (Nov 2025 to Oct 2026), 4 notices were filed against Vault Reciprocal Exchange, compared with 5 in the 12 months before that (-20%).

Last 12 data months
MonthNew noticesCumulative
Nov 2025062
Dec 2025062
Jan 2026062
Feb 2026264
Mar 2026064
Apr 2026064
May 2026064
Jun 2026266
Jul 2026066
Aug 2026066
Sep 2026066
Oct 2026066

How to read this

A notice of intent to initiate litigation is the pre-suit notice a Florida policyholder must file with the Department of Financial Services under §627.70152 before suing a property insurer. It records that a claim dispute reached that stage; it is not a finding of wrongdoing, and it does not show how the dispute was resolved. Raw counts rise with insurer size, so compare carriers on the per-1,000-policies figure where one is shown, and see the methodology for inclusion rules, classification and limitations. Withdrawn notices are excluded.

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