Hurricane wind damage that tore siding and sheathing off a Florida home

INSURANCE COMPANY CLAIMS

Citizens Property Insurance Claim Help

Homes, rentals, mobile homes and wind-only policies. Call Homeland before you call Citizens.

Short answer: Citizens Property Insurance Corporation is Florida’s state-created insurer. Citizens reported 293,772 policies in force at May 31, 2026.

Last reviewed: October 2026

Before you call Citizens, call Homeland. The first report of a loss frames the whole claim. We review your policy, document the damage and give Citizens written notice of the claim for you. Florida (305) 783-3777 · New Jersey (732) 517-3777 · Se habla español.

Free Claim Review Florida (305) 783-3777 New Jersey (732) 517-3777

Citizens in Florida, by the numbers

At July 31, 2026, Citizens reported 275,672 Florida residential policies in force, ranking #8 among the 163 companies in OIR’s July 2026 report by residential policy count: 99,595 rental dwelling (DP), 67,683 homeowners, 65,126 mobile home, 26,561 condo unit (HO-6), 9,613 wind-only dwelling, 5,244 renters, and 1,850 commercial residential. It reported 2,172 new claims opened in July 2026.

Citizens Florida residential policies in force by policy type, July 31, 2026. Source: Florida OIR Monthly Market Intelligence Report

Source: Florida Office of Insurance Regulation, Monthly Market Intelligence Report, July 2026. Figures are company filings published without audit by OIR.

Before you call Citizens

Call us first. We read your policy, then report the claim to Citizens in writing, with the facts and photos that support it.

Before anything is thrown out, photograph and video every room, the roof and the outside, and keep damaged items. Make only the repairs needed to stop more damage, and keep every receipt.

Talk to us before you give a statement or sign anything, whether it comes from the insurance company or a contractor.

We get the full policy, not just the declarations page, because the endorsements and exclusions decide the claim.

Your deadlines and Citizens’, in Florida

Notice of the claim must be given within 1 year of the date of loss for a new or reopened claim, and within 18 months for a supplemental claim (Fla. Stat. §627.70132). We give that notice for you.

The insurer acknowledges your claim within 7 days, sends you its adjuster’s detailed estimate within 7 days after the adjuster prepares it, and pays or denies within 60 days of notice unless factors beyond its control intervene (Fla. Stat. §627.70131).

If you disagree on the amount, your options include re-documenting and negotiating, the appraisal clause in your policy, and free mediation through the Florida Department of Financial Services. See every option, compared.

Where Citizens claims most often need help

Citizens insures a large share of Florida’s rental dwellings and mobile homes, as well as homes and condo units, and writes wind-only policies where other insurers won’t. On a wind-only policy, the cause of the damage decides everything: wind is covered by Citizens, while water from other causes may fall under a different policy. Florida’s Legislature studied Citizens claims in 2010 and found represented policyholders typically received larger payments; see what the study found.

How Homeland helps with your Citizens claim

We represent you, not the insurance company. We read your policy, document the loss, prepare a line-item estimate, and handle the claim with Citizens’ adjusters from start to finish, in English or Spanish. If Citizens has already paid or denied, upload the letter or estimate to Claim Review for a free first read.

Call 24/7: Florida (305) 783-3777 · New Jersey (732) 517-3777 · Se habla español.

Frequently asked questions

Should I call Citizens first?

Call us first. We review your policy and the damage, then give Citizens written notice of the claim, so the claim starts with the facts that support it.

How many policies does Citizens have?

Citizens reported 293,772 policies in force at May 31, 2026.

Can I hire a public adjuster on a Citizens claim?

Yes. A licensed public adjuster represents you, the policyholder, on a Citizens claim.

Sources: Citizens, Policies in Force, May 31, 2026; Florida Office of Insurance Regulation, Monthly Market Intelligence Report, July 2026; Fla. Stat. §627.70131; Fla. Stat. §627.70132.

Homeland Public Adjusters is not affiliated with, endorsed by or sponsored by any insurance company named on this page. Company names are used only to identify the insurer. This page is general information, not legal advice.

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In New Jersey

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Claims We Handle

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Citizens Claims We Handle

We represent property owners on Citizens claims: homes, condo units, rentals, mobile homes, condominium associations and businesses, in English or Spanish. We work for you, never the insurer.

Hurricane & Wind Damage Claims Winter Storm & Roof Damage Claims Water Damage Claims Lightning, Trees & Other Claims Denied & Underpaid Claims Condo & HOA Association Claims Business & Commercial Claims

How Can We Help You Recover?

Call Homeland Before You Call the Insurer

Upload photos of the damage, your policy, or a letter or estimate you already received. A licensed public adjuster reviews it for free and calls you back right away. No Recovery, No Fee.

Start My Claim →Review My Claim →Scan My Policy →

Or call 24/7: (305) 783-3777 Florida · (732) 517-3777 New Jersey. Hablamos español.