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2020 Hurricane Season Information

It’s hard to believe that the 2020 hurricane season begins soon, and weather experts are predicting an active season. Citizens wants to help you, your staff and our policyholders in preparation. 

How You Can Help Your Customers

The information you verify prior to a hurricane’s landfall will help with claims processing efficiency and improve customer service in the event 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.
  • Provide your Citizens customers our Hurricane Coverage: What You Need to Know brochure.
  • Verify and update customer contact and policy information, including:
    • Mailing address, phone numbers (home and cell) and email addresses
    • Named insured(s) on the policy
  • Verify and update mortgagee(s) and additional interests, if applicable.
  • Review your Citizens book of business to ensure that policyholders have adequate coverage and appropriate deductibles. Agency principals can request their book-of-business listing by emailing or by completing the online form in the myAgency section of the Agents website.
  • Ensure your customers understand that hurricane losses should be reported even if they are below the hurricane deductible. These losses would count toward meeting the calendar-year hurricane deductible if another hurricane damaged the property.

Citizens will email hurricane season information to policyholders with email addresses on file (except those who have had their policy assumed and those without wind coverage).

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

Note: See the Resources section below for more information.

After a Loss

After filing the claim, advise policyholders to do the following if they are able to safely:

  • Take photos of the damaged property.
  • Protect the property from further damage.
  • Keep all receipts regarding any repairs and expenses.

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 regarding reasonable emergency measures, 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


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

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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.