Catastrophe Claims

Citizens is committed to responding quickly to disasters and providing local services and support to policyholders in a crisis. When a catastrophe occurs, Citizens activates a team of managers, support staff and adjusters experienced in handling catastrophic events and the resulting damage claims.

Following a catastrophe, Citizens dispatches mobile emergency operations centers (EOCs) to impacted areas to provide in-person service to policyholders who may be cut off from their usual means of communication. Citizens’ goal is to mobilize a fully functional EOC within 48 to 72 hours of a catastrophe declaration or as soon after that time as it is safe to travel to the impacted area.

Our EOC staff can answer questions and help you report a catastrophe claim. They also can issue checks for additional living expenses, if this coverage is available under your policy.

Reporting a Claim

Make your EOC visit more efficient by bringing the following information, if available. EOC volunteers may be able to assist in locating information if you do not have it available:

  • Photo ID
  • Policy information
  • Current contact information
  • Date of loss
  • Description and photos of damage (if possible)

Following up on a Claim

If you visit an EOC to follow up on a claim you’ve already reported to Citizens, bring the following information, if available, to make your visit more efficient. EOC volunteers may be able to assist in locating information if you do not have it available:

  • Photo ID
  • Current contact information
  • Claim number
  • Adjuster’s name and contact information
  • Date of loss

Learn More

Protect Your Property

Protecting your property in advance against storm damage can be costly, but taking precautions to reduce the impact of storm damage can save lives, property and money.

  • Protect windows with shutters, plywood panels or other types of wind-resistant barriers.
  • Trim dead or weak branches from trees.
  • Maintain the exterior insulation-finishing system (EIFS), also referred to as synthetic stucco.
  • Reinforce double-entry doors and brace garage doors.
  • Secure siding and roofs.
  • Brace gable-end roof framing.

The Florida Division of Emergency Management offers information about federal funding that may be available to Florida communities and individuals seeking financial assistance with mitigating storm-related property damage. For more information, visit