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2023 Hurricane Season Information

The 2023 hurricane season is expected to have below-average activity regarding the number of hurricanes, according to tropical weather forecast experts at both AccuWeather and Colorado State University. Citizens wants to help you and your customers prepare before these events occur. We will send an email to policyholders with wind coverage (who have an email on file) to help them prepare for storm season.

How You Can Help Your Customers

The information your agency verifies prior to a hurricane or tropical storm making landfall will help with claims-processing efficiency and improve customer service in case of a catastrophic event:

  • Encourage your customers to register for myPolicy so they can view policy, claims and billing information and, if applicable, make premium payments. Policyholders can view and download their policy documents (excluding claims documents), and Personal Lines policyholders now have the option to opt into paperless delivery.
  • Provide your Citizens customers our Hurricane Coverage: What You Need to Know brochure. Order this and other brochures using our online form.
  • Verify and update the following:
    • Customer phone numbers, mailing addresses, email addresses and policy information
    • Mortgagee(s) and additional interests, if applicable
  • Review your Citizens book of business to ensure that policyholders have adequate coverage. Agency principals can request their book-of-business listing via myAgency. For details, refer to page 40 in the myAgency User Guide.
  • Ensure your customers understand that hurricane losses should be reported even if they are below the hurricane deductible. These losses count toward meeting the calendar-year hurricane deductible if another hurricane damaged the property in the same policy term/year.

Binding Suspension

Agents will be notified by email, on the website and in PolicyCenter® when binding is suspended or restored based on a tropical storm or hurricane watch or warning issued by the National Weather Service for any part of Florida.

During a binding suspension, agents cannot bind applications for new coverage or policy changes for increased coverage; however, they can update policyholder contact information and mortgage company information.

Claims and Loss Reporting

To report a loss, advise policyholders to:

  • Submit their claim via myPolicy
  • Call you, and you can report it via PolicyCenter
  • Call Citizens at our toll-free Claims Hotline: 866.411.2742, which is available 24/7

Note: See the Resources section below for more information.

After filing the claim, advise policyholders to do the following only if they can do so safely:

  • Take photos of the damaged property.
  • Protect the property from further damage.
  • Keep all receipts regarding any repairs and expenses.
  • Submit Claim Documents through the Contact Us section of the website if requested by their adjuster.

Ensure your affected Personal Lines policyholders are aware of two important policy provisions that require them to:

  • Take reasonable emergency measures for the sole purpose of protecting covered property from further damage when experiencing a loss.
  • Give prompt loss notice to Citizens. Except for reasonable emergency measures taken under the policy provisions, there may be no coverage for repairs that begin before one of the following occurs:
    • 72 hours after the loss is reported to Citizens
    • Loss is inspected by Citizens
    • Verbal or written approval is provided by Citizens

myPolicy and Paperless Delivery

Citizens encourages first-named insureds with a valid email address on file with Citizens to register and/or activate their myPolicy account. Policyholders with active accounts who have also opted-in to Paperless Delivery can:

  • Report and view claims.
  • Make payments online.
  • Access policy and billing documents.

With paperless delivery, Personal Lines policyholders can:

  • Get faster, secure access to policy documents and information anywhere with internet access.
  • Receive early notice of when payments are due.
  • Reduce the risk of mail fraud.
  • Receive email notifications when new policy documents and billing invoices are available in lieu of mailed documents.

Catastrophe Response Centers

If Florida is impacted by a storm, Citizens may set up one or more Catastrophe Response Centers (CRCs), as needed, to provide immediate response to policyholders. Agents will be notified once a site is determined. CRC staff will:

  • Process first notices of loss.
  • Make advance payments for additional living expenses, when warranted.
  • Answer questions and offer general assistance.


For more information about claims reporting and storm preparation, see Citizens’ online resources:

Other helpful webpages include:

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Legal Disclaimer

Citizens provides agent communications online for historical purposes only, and the communications have not been updated to include any changes that may have been made after publication. Agents can find the latest information by reviewing the applicable underwriting manuals, and by logging in and accessing our FAQs, which are available from the top of any page on our website.