Citizens Property Insurance Corporation Reviews

Citizens is a rip off company. They take your money, deny all claims and I do believe Desantis is getting a kickback to allow them to do it. DO NOT GIVE THEM YOUR MONEY, YOU WILL BE SORRY!!!!

I commend Citizens for quickly settling my claim to get the roof repaired on my Park Model in Bradenton!!! Thank you so much!!! ❤️ They definitely went above and beyond my expectations. The claims people were very easy to deal with and kept me posted on what exactly they needed!! If there we any delays involved, it was due to me getting all the information they needed!!! 😀 This was the first claim I had with Citizens and they graciously served me!!!

Had Citizens Insurance for a couple of years, and their mandatory renewal policy had to have an inspections from their Inspection Co., whom determined that a rotten, falling over wooden fence needed to be replaced prior to renewal. When I advised them that that fence was the neighbors’ fence, then they overlooked it. When I asked them to file a claim against these neighbors’ insurance, they misinformed me stating that I would have to file a claim against my policy, even after I reassured them it was not my fence and that it has been in that condition on purpose by these neighbors since 2017.

I have been working with Citizens Property on my claim since Oct, of 2024 from the Helene and Milton hurricane damage. You cannot get answers from Citizens, they advertise 24hr customer support line, but you cannot get any information from them EVER. The only thing the number can do is forward the information to "your" adjuster. Your adjuster has to call you back. Most times they do not. You have to wait 24 hours. After 24 hours you can call the NON customer support line to ask again to call your adjuster or escalate to the supervisor, and you have to wait again for 24 hours for a response. If you are lucky to get a call back and are not working you may be able to speak to them. If you are working and miss the call the process starts again. There is no information emailed, or left for you. You have to chase everything, question everything. Even your hired professionals who may need to speak to the adjusters have to go through this awful process.

I had heard how bad Citizens Home Insurance was but so thankful I switched to Citizens Home Insurance this past year. After Hurricane Milton we had roof, fence, soffits and screen damage. The appraiser responded quickly and was very nice to work with. The appraiser was here for a long time and seemed to want to do a good job. He mentioned that he was going to get us a new roof. About a week later we had a very itemized report of what was being covered and how much they would be paying. There was some confusion on my part as I looked at the report and how my deductible was shown in the report and the rep in Atlanta said everyone has problems with this.

This a horrible insurance company. Go somewhere else!! I called to ask a question and the mediocre representative file a claim without my permission saying that that was the only way to get a hold of an inspection. Now I have a claim on my record that is going to affect my rates forever!! And everything JUST because I had a question. Do not recommend!

Horrible insurance. I paid it. They canceled my homeowner's insurance after my closing and after I paid it without any notice. My insurance company bought an insurance after one year they found out I didn’t have insurance. For $10,000. Now my mortgage went out to 50% off. Horrible insurance.

I don't have much to add. They're awful. Their customer service is abysmal. Their systems are terrible and shouldn't be legal. If your agent sends them documentation, it doesn't even notify them and then they blame you and the agent. Lol. It's nuts. I filed a complaint with the state insurance board on them and even the insurance board used that system flaw as an excuse for them, which I found crazy.

Citizens Property Insurance Corporation is the absolute worst company to work with on a claim. Our home was hurt in Hurricane Ian September 2022, which was not our fault in any way. The people who work there, (so it must be company policy) are non responsive at all. Ironically any local employees have suffered the same fate as us we are sure.... We have called - emailed and mailed them over 175 times to try to get a resolution on our claim. We have offered to work with them to help us resolve this within any parameters they feel are needed as we just want resolution. They have never responded to us in 2 plus years. We have paid all of our premiums in full each year but that does not matter. DO NOT USE THIS INSURANCE COMPANY FOR ANYTHING.

We were happy when we came across this home insurance. They failed to send us a letter of requirements needed, then canceled. They didn't provide us with enough time to provide them with what was needed. Very disappointed, I don't recommend.

Stay away from USAA / Citizens FLA hurricane insurance agent **. I had great service until I noticed all my rates started going up fast. This agent is praying on homeowners, trying to force them to prematurely replace roofs and pay for unneeded inspections. This is a trend with ** USAA insurance Agency, Inc. 301 W Bay st Jacksonville, Florida 32202 and 17200Commerce park Blvd Tampa, Fl 33647. 1-877-900-3967.

How has the state of Florida not shut down this company!! This is a absolute racket for profit. There is one home insurer in south Florida only we are mandated by mortgage banks to have insurance so the insurance company can do whatever they want. I have never filed a claim yet my policy which is catastrophic coverage only went from 3.3k to 4.1k. I have bare bones coverage. My house would have to float away to have anything covered. This can’t be legal. Where’s DeSantis!!! How about doing something governor!!

During Hurricane Ian, I submitted a claim to my Citizens' Homeowner's insurance policy and to date, not only has my claim not even begun to get processed, they have not even sent an adjuster to view the property, or even consistently assigned one. I have been told multiple times my claim had been assigned to an adjuster, only to have that name disappear and another name show up with new promises to contact me. The previous name is unknown when I call back. This has happened multiple times while I am handtied because if Citizen delays or simply doesn't process my claim, they don't have to pay it. I'm seeking legal advice at this point.

We have used citizens for almost 6 years now. Although we have not had to make a claim I am very satisfied with them. The reps are always friendly and professional. As with anything our rates go up yearly. Flood insurance is reasonable also.

I have a very old house, live in Florida, and Citizens Property insurance is the only insurer who will insure my house. It is the state government run insurance. I have never had to make a claim so I don't know how well it handles the process of making claims and payouts. It appears to offer adequate coverage though, like every other insurer, it does not offer flood insurance. I pay about 800 per year.

I received a letter from Citizens Insurance on July 30 stating my windstorm and homeowners policies would be canceled on Aug 14 if payment wasn't made by this date. Payment was already received by Citizens six weeks earlier on July 3. Upon speaking with my insurance agent as a follow up to the letter, my policy had been canceled weeks ago by Citizens for nonpayment. I did not receive any additional written notification of cancellation from Citizens and they just kept my first installment of $537.00! Apparently, the problem is a well known and long standing problem with Citizens Insurance and the State of tolerates this unethical practice. If you change your payments from annual payments to quarterly payments, Citizens just keeps your money and cancels your policy!

Insured with Citizens Insurance since 2003 for My Property Business, survived 9 Storms with No Damages, My Insurance went from $3500/year to $14,800/year in 14 years. My Business got Hit Bad with Hurricane IRMA, I Lost my entire 1000 SF Bar-Cafe Roof, Got Roof Damages on entire Property, got Water damages as a result total $241,900 Damages estimated by my Property Adjuster.

I call claim department and report water damage in my kitchen. And they send this field adjuster name Jim **. This guy was very disrespectful and very unprofessional. When got that he start taking pictures all over outside and inside my house and my bedroom and my kids bedroom and I asked him what is my bedroom or my kids bedroom have to do with a kitchen claim damage. And at the end of the claim report he ask to me talk so he can record me. I told him, "No. If you want me to write a statement I will do it and sign it. You get a copy and I get a copy." He say no and he didn't finish my claim report. And it been almost 15 days since I been trying to call the Citizens insurance about this issue. I still have no answer. So if you at there you thinking about getting Citizens insurance don't do it. Bad customer service, very very very bad field adjuster name Jim **. Bad company period.

The worst insurance I’ve ever come across. They will not pay out for claims. Waited 3 months & they denied my claim for property damage saying that the owner was not there so he is not responsible & it happened on a property he owns. I said that’s why he carries property insurance so if something happens it will be covered. Might as well not have insurance than to waste your money on this company.

(Long story but needs to be told) I needed homeowners insurance on my mobile home. I dealt with Bart Borders, (the owner of Borders Insurance agency). He found a company that he said would insure my home, (Citizens Insurance Co). I told him that I needed coverage equivalent to my home equity loan of $65,000. He said that was no problem. First I need a 4 point inspection, which I got from his inspector and cost me $100. That inspection revealed that they would not insure me unless I re-piped my entire home to get rid of polybutylene pipes. So I hired a plumbing company to come do it for $3250 (Now I'm out $3350). All the while I kept telling Bart that I was under time constraint because I was using the loan proceeds to purchase property for my son & his family to have a place to live and I had a deposit of $4500 on the property that I could lose if I didn't have the funds in place by the rapidly approaching closing date.

Almost 20 years being with Citizens, just one I put a claim many years ago, there is not any other insurance in Florida that you can go to. This insurance was allowed in Florida due to our governor, and other "politicians." Just wonder how much Citizens paid them... When Hurricane Irma came, I had damages to my house, like I expected they denied my claim. I got two estimate paid by me sent to them, still they used a nonsense not to pay the water that damaged my house due to the winds, my wood fence was destroy my roof, they always find excuses. I have tried to check other insurances. No one wants to insured people in Florida. They should be investigated by the Insurance Board, enough is enough. They are pure scams. 20 years paying big payments when the times comes they denied the claim. Does any of our politicians in Florida care? Of course not...Miami is scam city.

Hurricane IRMA left considerable damages to my small hotel, I had extensive roof damages, water leak, 6 AC condensers got sandblast & burned out, my 700sq.ft covered bar cafe got totally destroyed, my fence got damages, appliances at my cafe got destroyed, I got leak in several suites due to 58 roof tiles blown away. I had paid Citizens for 15 years $7000/year always on time. 1st Citizens Property Adjusters took 5 weeks after the Hurricane to show up, I called them on Sept 12 & they request to keep the damages & wait for inspection. 2nd I got a Property Adjuster who came Sept 13th, 2017 & after inspection estimated the total damages @ $241,900 not even counting the business interruption. 3rd, after 5 weeks Citizens adjuster showed up, wrote his report, took photos & took my report & estimates that several contractors came & to support my Property Adjuster claim.

Citizens Inspectors- Wind Mitigation Inspection - I, like millions of homeowners in Florida received a letter in the mail in late 2012 from Citizens, stating that they were going to "soon be conducting a home inspection of my property. The purpose was to verify that the structural characteristics of the home reflect what they have on record, and to ensure that I was paying the appropriate premiums."

This has to be the worst insurance company ever. I had property and auto insurance with them for 3 years and thankfully I never had to file a claim. I finally cancelled my policy because of increased premiums and horrible customer service. While I should have received a pro-rated credit, they send me a bill for $240 and tell my policy is billed in arrears which is false because I have never missed a payment. While I requested a breakdown/explanation for the billing miscalculation, they have yet to provide to me. They were very rude and threaten to send my account to collections. I do not recommend this company for any kind of insurance coverage.

Never send a payment into these guys early. My policy was due Feb 10 - cheques was dated for Feb 1 - they cashed it on Jan 10 - how can that be legal? How can a cheque be cashed 3 weeks before the date clearly presented on the cheque?

At first we were thrilled that we found a company to insure our home as we were having a problem prior to this insurance company 'cause of a lapse in insurance. Now we have received a letter telling us that we are uninsurable due to disrepair. They sent someone to our home. No one announced that they were there and they saw that the house was under construction at this point and labeled it disrepair. Where do they come up with that! We are in the process of restoring the front and rear of our home with new roof and siding. If they would have bothered to knock on the door my husband would have went over all that is going on. Instead they jump to conclusions. Now after the 21st of January 2018 we are uninsured again!

2017 - Hurricane Irma! We have had Citizens for years on two homes and never had we experienced anything like this. This company should be shut down NOW! We have never had a claim before and paid mega bucks for 2 homes for many years, and now we need help to put a back roof back on our home and with the service we got and the lies they tell you is so unreal! They refuse two claims to get our home fixed to replacement condition which states in our policy, and refuse to pay what our estimates stated it would cost to replace just part of our roof.

Unfortunately my husband and I made the grave mistake of entrusting Citizens with our insurance policy. Hurricane Irma hit and caused significant damage to our condo. We filed a claim immediately and mitigated as much of the damage as we could. We were aware the influx of claims so were understanding it took two weeks to even hear from someone after we called every day. Latoya ** was our adjuster and could not have been more rude nor more cruel. The wind was so strong it had bent the frame of our windows, even though they were boarded up, water poured in. The field adjuster who came and inspected our property explained that was how the water entered. We did not simply make this up. This was not a flood rather the winds damaged our structure allowing the water to come in.

This company said they would give us 3,000 dollars to fix an entire roof on a four-bedroom home. The 10,000 they were keeping from us was our deductible. How in the world can we fix a roof with 3,000 dollars? Last night we had a bad thunderstorm, my autistic son woke up with his shirt wet and cold and pillows from a new leak on our roof. My French Provential Furniture was ruined because another leak formed somewhere else in the house, not including the 3 other major leaks we have been dealing with since the storm. How can this happen!!!

Citizens won't pay for damage to my home from wind fornication rainwater coming in from under entry doors, windows, and airconditioner. Also won't reimburse for lodging expenses for six days. Was in an evacuated area and due to health issues, could not return until power was restored. When I turned water back on, the hose on toilet leaked and carpet in hallway was ruined. Said not covered?

I had Citizens insurance for over a year and I've never needed to open a claim with them till a leak from the upstairs apartment completely damaged my bathroom (my apartment is under the leak), so I called them to open a claim. It's been almost 3 months and nothing was done till this day. I call them and I get nowhere, my adjuster does not know how to do her job and does not contact me back at all. As soon as my policy expires I will change to any other insurance I can find, I don't think there can be a worse one than this one. STAY AWAY FROM THEM!!! COMPLETELY USELESS!!!

We were very happy with Citizens, when we had a claim a few years ago, it was quickly resolved and we got much more than we had anticipated. A few years later, somehow and without our consent, we were dropped and placed with SAFEPOINT Insurance company, the new company informed us it was for our own good because Citizens was planning on raising their premiums by 45%. It was all a lie, Safepoint is now charging us twice what Citizens was after forcing us to increase our DWELLING coverage by $36,000, but Personal Property remained the same as it was with Citizens.

I own a carpet cleaning and restoration business. We handle many floods that aren't fake. We provide the best services to handle the problem for the customer. I dealt with Citizens more since they're cheapest for people to pay. I would recommend switching Insurances. They don't pay for the and have a cap for our work. Like roof you need to pay for us to put a tarp which would cost you 1500$ which most people do not like to pay for. They fight contractors who are there to help you. We need to sue them to get money from them all the time so when you have Citizens expect to get the minion work from contractors. I wish you the best of luck.

I had two 2 bedroom villas insured with People's Trust Insurance company. The much larger villa was insured for 800 per year, while the 400 smaller square foot home was 500 dollars more which puzzled, however it was a multilevel home while the one with greater square footage was one floor. Anyway they sent an investigator, we sent them copies of the 30,000 we had spent 5 and 6 years earlier to have both homes completely reroofed. They sent contract which were signed and agreed upon.

My home was hit by a twister during Hurricane Hermine causing significant damage. Had a residential/commercial contractor with over 40 years experience survey the damage and thereafter provided a proposal to restore my home to its pre-storm condition. His proposal included the material costs required pursuant to the Home Depot website. Following submission of my claim to Citizens Property Insurance Corp. the initial adjuster came on site and reviewed all the damage. He was very cooperative and I felt good as to his assessment. After that Citizens changed adjusters and assigned my case to a dumb desk jockey in Jacksonville who in my opinion probably needed help in finding his way home after work. How dumb - he approved a 5 foot sliding glass door unit to fit in a 6 ft opening. He disregarded totally several areas of significant damage and finally sent me a check with a letter that said "here is our check, we are closing your file."

Three roofs on my home were damaged by the recent hurricane. I have spent ALL my free time trying to get them to pay what the roofing company needs to do the work. Sure I will pay my deductible which is more than half but they simply will not pay their share because they expect the work to be done at some ridiculously low rate. Because of their delays I cannot get a roofer do the rest of the work for months now and all the time the damage grows. I will be CANCELLING ALL PROPERTY INSURANCE IN ALL MY PROPERTIES COUNTRYWIDE NEXT YEAR AND PUTTING THE MONEY INTO SAVINGS. These people are a ridiculous bunch of time wasters.

As far as can see Citizens Property Insurance Corporation is a bogus organization that lets seniors rot before they pay for a claim... I say criminal because I know of such a case. 86-year old widow, home flooded and roof down and claim denied. This case in the courts right now 4 months later... In the meanwhile the home is full of mold and she is still living in the home.

They're great service protection and I'd recommend them anytime to everyone and cheap to pay every month and very beneficial to me and my family. I'm very Happy with them now and will keep them for awhile.

They cut the valuation of my property; but I have to admit they did cut the premium. They no longer cover most things like the shed, screen porch carport. It's basic coverage. Unfortunately, no other insurance is available to us because we have a mobile home covered by Florida State insurance.

I have had Citizens for almost 6 years as my homeowner's insurance. I have only made 1 claim in those 6 years and they handled it fairly quickly. They were easy to deal with.