Citizens Insurance Claim Denied in Florida — Your Rights
Citizens Property Insurance denied your Florida claim? Learn your rights and how to fight back. LLG handles Citizens Insurance disputes statewide on contingency.
3/13/2026 | 1 min read
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Citizens Insurance Claim Denied in Florida — Your Rights
Citizens Property Insurance Corporation is Florida's state-run insurer of last resort and the largest single property insurer in the state. While Citizens was created to provide coverage when the private market won't, policyholders frequently find their Citizens claims denied, underpaid, or subject to lengthy disputes. If Citizens denied or underpaid your Florida property damage claim, here is what you need to know.
Is Citizens the Same as a Regular Insurance Company?
Citizens is a government-created entity, but for purposes of a denied property insurance claim, you have the same legal rights against Citizens as against any private insurer. You can invoke the appraisal clause, demand full payment, file a bad faith Civil Remedy Notice, and sue Citizens in Florida state court. Citizens has its own legal defense team, so having an experienced attorney is essential.
Common Citizens Insurance Denial Reasons in Florida
- Wear and tear exclusion — Citizens inspects properties aggressively before and during claims; adjusters routinely attribute covered storm damage to pre-existing wear
- Hurricane deductible — Citizens policies have a separate hurricane deductible (typically 2–5% of dwelling value) that can significantly reduce net payouts
- ACV roof endorsement — Citizens has implemented ACV roof schedules on many policies, slashing payouts on older roofs
- Non-renewal following a claim — Citizens may non-renew your policy after a claim, forcing you to the private market at higher rates
- Occupancy and condition requirements — Citizens can deny claims if the property wasn't properly maintained or occupied
Appraisal and Litigation Against Citizens
Citizens participates in Florida's appraisal process and can be sued in Florida state courts. Louis Law Group has experience litigating against Citizens throughout Florida. We work on contingency — no fee unless we win.
Call 1-833-657-4812 or text us for a free Citizens Insurance claim evaluation.
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We like to simplify our intake process. From submitting your claim to finalizing your case, our streamlined approach ensures a hassle-free experience. Our legal team is dedicated to making this process as efficient and straightforward as possible.
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