Citizens Property Insurance Corporation is Florida's insurer of last resort, covering over 1.2 million policyholders. Because of legislative reforms under SB 2-A, filing a hurricane or windstorm claim with Citizens now requires strict proof standards and compressed reporting deadlines.
Before cleanup or emergency tarping begins, you must document existing damage. Citizens adjusters require date-stamped visual proof showing that the damage was storm-created rather than pre-existing wear and tear.
Full view of front, back, left, and right sides of your home showing storm debris, fallen limbs, and structural displacement.
Lifted/creased shingles, missing ridge caps, damaged fascia, broken tile fragments, and punctured underlayment.
Ceiling stains, wall bubbling, damaged drywall, baseboard swelling, and photos of water ingress points in the attic.
Under your Citizens policy conditions, you have a legal obligation to protect the property from further damage after a storm. If water enters a damaged roof and you fail to tarp it, Citizens will deny the resulting interior mold/rot.
Citizens frequently enforces its Managed Repair Program for non-weather water and interior repairs. For hurricane claims, make sure you understand whether your policy has mandatory contractor selection clauses or cash-out caps before signing work authorization forms.
Did you receive a Citizens Depopulation / Takeout letter from a private carrier? Use our free Takeout Offer Analyzer to compare your rates and deductibles.
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