When it comes to homeowners insurance in Florida, Citizens Insurance is one of the most commonly used carriers. As a state-backed insurer, Citizens offers coverage to homeowners who may struggle to find policies in the private market. However, like all insurance providers, they have their strengths and weaknesses.
At Panther PA, we frequently work with homeowners insured by Citizens, helping them navigate claims and secure the maximum payout possible. If you’re insured with Citizens or considering a policy, this guide will help you understand their coverage, benefits, and potential challenges.
📞 If your Citizens Insurance claim was underpaid, call us now for a free review!
Pros of Citizens Insurance in Florida
While some insurers in Florida deny coverage outright or place heavy restrictions on claims, Citizens offers certain advantages that make it a better option for many homeowners.
1️⃣ More Flexible Water Loss Coverage
Many private insurers in Florida either:
❌ Exclude water damage coverage entirely
❌ Cap water loss claims at $5,000 or $10,000
✅ Citizens, however, has a unique water damage cap:
- If you use their managed repair contractors, the cap does not apply.
- If you choose your own contractors, the payout is capped at $10,000.
💡 Why does this matter? If you suffer a major water loss, such as a burst pipe that floods your home, using Citizens’ contractors can help ensure your full repair costs are covered—rather than being stuck with just $10,000.
📩 Need help navigating your water damage claim? Contact us now!.
2️⃣ Citizens Insurance Includes an Appraisal Clause
One major benefit of Citizens policies is that they include an appraisal clause, which allows homeowners to dispute underpaid claims without needing to file a lawsuit.
What Is an Appraisal Clause?
- If Citizens underpays your claim, you can invoke appraisal to have an independent panel determine the correct amount.
- This process is usually faster than litigation and can result in a higher settlement.
- Citizens must comply with the final appraisal decision.
💡 If you believe your claim was underpaid, invoking appraisal could help. Call us today to discuss your options!
Cons of Citizens Insurance: Wind Damage Coverage Challenges
While Citizens Insurance provides decent coverage for water damage, they are notoriously strict on wind damage claims, especially those from non-named storms.
1️⃣ Non-Named Windstorm Claims Are Often Denied
If your home sustains damage from a windstorm that is NOT classified as a named hurricane or tropical storm, Citizens may deny the claim—unless the damage is extremely obvious.
🔴 Citizens may approve wind damage claims if:
✔ A tree falls onto your house, making the source of damage undeniable.
✔ There is severe structural damage directly linked to the storm.
❌ However, they often deny claims for:
- Shingles lifted by wind, allowing water to enter.
- Windows pushed in from high winds, leading to interior damage.
- Roof damage from gusts under 40 mph, even if the structure is compromised.
💡 If your wind damage claim was denied, don’t give up! Call us now for a free consultation.
Is Citizens Insurance a Good Choice for Florida Homeowners?
While Citizens has some drawbacks, they remain a solid choice for many Florida homeowners. Here’s a breakdown of who might benefit most from a Citizens policy:
✅ Citizens is a good option if:
✔ You struggle to find private insurance due to market limitations.
✔ You want an insurer that typically opens coverage rather than denying claims outright.
✔ You’re comfortable using Citizens’ managed repair program for full water loss coverage.
⛔ Citizens may NOT be the best option if:
❌ You rely heavily on windstorm coverage for your area.
❌ You want full control over choosing contractors for major repairs.
❌ You’re in an area where private insurers still offer competitive policies.
💡 Not sure if your Citizens policy is right for you? Submit your policy for review here, and we’ll help you evaluate your coverage.
How a Public Adjuster Can Help With Your Citizens Insurance Claim
If you’re insured with Citizens Insurance, hiring a public adjuster can be the best decision you make when filing a claim. A public adjuster ensures:
✔ Your claim is filed correctly from the start, reducing the risk of denial.
✔ You get the maximum payout, rather than accepting a low initial offer.
✔ Appraisal or disputes are handled professionally, increasing your chances of a higher settlement.
💡 Learn more about why hiring a public adjuster can maximize your claim.
📞 Call us now at 833-726-8437 for expert help with your claim!
What to Do If Your Citizens Insurance Claim Was Underpaid or Denied
If your Citizens Insurance claim was underpaid or denied, you still have options.
Steps to Take If Citizens Underpaid or Denied Your Claim:
✔ Request a policy review – Our experts can assess whether you were shortchanged.
✔ Invoke appraisal – If eligible, this process can lead to a higher payout.
✔ Hire a public adjuster – We negotiate directly with Citizens to increase your settlement.
💡 Find out how to fight a denied or underpaid claim and get the compensation you deserve.
📞 Call us now at 833-726-8437 for a free consultation!
How Panther PA Helps Florida Homeowners Get Paid
At Panther PA, we specialize in helping Florida homeowners fight back against underpaid or denied insurance claims.
✔ Adjusting & Negotiating – We work on your behalf to secure the maximum payout.
✔ Appraisal & Litigation Support – If needed, we escalate your claim.
✔ Claim Reviews – We analyze your policy and settlement to identify missing funds.
💡 Understanding your insurance policy is crucial—know what to look for before disaster strikes.
Final Thoughts: Should You Trust Citizens Insurance?
While Citizens Insurance has its limitations, they remain a decent choice for Florida homeowners—especially those needing state-backed stability in a fluctuating market.
📞 Call us today at 833-726-8437 for a free consultation!
👉Click here to contact us today!
📩Or submit your policy for review: claims@Pantherpa.com