What to Do When Citizens Property Insurance Denies Your Claim

Thousands of Hurricane Claims Denied by Citizens Property Insurance

In the aftermath of Hurricane Debby, which struck Florida in early August 2024, thousands of homeowners filed insurance claims for damages to their property. However, Citizens Property Insurance, one of Florida’s largest insurers, denied 77% of hurricane-related claims. This left many policyholders frustrated and uncertain about their next steps.

This blog will guide you on what actions to take if your Hurricane claim has been denied.

Why Were Hurricane Debby Claims Denied?

The high rate of claim denials primarily stems from the nature of the damages caused by Hurricane Debby. A majority of the claims submitted were for flood damage, which Florida property insurance policies, including those from Citizens, typically do not cover. Instead, flood-related damages fall under flood insurance policies, such as those provided by the National Flood Insurance Program (NFIP).

Michael Peltier, a spokesperson for Citizens Property Insurance, explained that many policyholders, particularly in areas like Tampa, were unaware that their policies cover wind damage only, not flood damage. He stated:

“Flood claims must be handled separately under NFIP policies.”

Additionally, some claims were denied because the damages did not exceed the policy’s deductible. Unfortunately, many homeowners only discover these policy limitations after a disaster occurs.

Comparing Recent Hurricane Impacts

Hurricane Debby placed immense pressure on Florida’s already strained insurance system. In quick succession, the state also endured Hurricanes Helene and Milton, compounding the challenges for homeowners and insurers alike.

• Hurricane Milton (October 2024): Over 200,000 claims were filed, with estimated losses exceeding $2.3 billion.

 

• Hurricane Helene: This storm devastated multiple states, claiming over 200 lives and damaging thousands of homes. In Florida, 14.4% of Helene-related claims were denied, compared to 8.5% for Hurricane Milton.

Across all three storms, over 37,000 hurricane claims were denied, leaving many Florida residents to seek federal assistance, such as FEMA grants, to rebuild their homes.

What Can Florida Homeowners Do When Facing Denials?

If your claim with Citizens Property Insurance has been denied, you can take these steps to protect your rights and maximize your chances of recovery:

1. Review and Understand Your Policy: Ensure your insurance coverage includes all possible risks, including flood insurance if needed.
2. Document Your Property: Take photos and videos of your home both before and after the storm to provide clear evidence of wind, roof and flood damages.
3. File Claims Promptly: Submit your claim as soon as possible, adhering to the insurer’s deadlines.
4. Seek Legal Assistance: If your claim has been unfairly denied, consult with an attorney experienced in insurance disputes.

How Tarrash & Tarrash Can Help

At Tarrash & Tarrash, we understand the frustration of having your insurance claim denied after a major Florida hurricane. Our team provides comprehensive support to help you dispute denials and pursue legal action if necessary.

Our Services Include:

• Policy Review and Consultation: We help you understand your policy’s terms, exclusions, and potential pitfalls.

 

• Appealing or Refiling Claims: Our attorneys assist in filing appeals and ensure all necessary documentation is properly submitted.

 

• Legal Representation: If your insurer acts in bad faith, we are prepared to escalate your case through the legal system to fight for fair compensation.

 

• Ongoing Support: We stand by you through the entire claims process until your case is resolved.

Contact Tarrash & Tarrash Today

Don’t wait to take action. If your claim has been denied by Citizens Property Insurance, reach out to us for a free consultation. Our experienced attorneys will evaluate your case, explain your options, and work tirelessly to protect your rights.

Let us help you navigate this challenging process and secure the compensation you deserve. Contact Tarrash & Tarrash today!

If you have been paying your insurance premiums and your policy includes coverage for flood or water damage, it is important to know that you can pursue your insurance company for compensation related to your property damage. Contact us today 954-666-5881