Citizens Property Insurance Corporation

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.