Citizens Is Here for You

Citizens has the utmost concern for the health and safety of our policyholders, employees, agents, adjusters and vendors. We are closely monitoring the latest developments related to the coronavirus (COVID-19) health risk and will follow guidance from public health officials and government agencies as we make ongoing assessments about how best to support our customers, employees and the larger Florida community through this public health crisis.

In these challenging times, Citizens is committed to continuing the policy and claims support our customers have come to expect. In observance of social distancing recommendations, Citizens has encouraged its employees to work remotely, but we do not anticipate interruptions of vital services at this time. We have confidence that the year-round disaster and contingency planning that allows us to carry out our mission in the wake of physical catastrophes will help us ensure that we can continue to provide high levels of service to our customers now.

Additional updates and information related to Citizens’ response to the coronavirus will be made available on this page and through our social media channels (Facebook, Twitter).

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Online Resources

We encourage you to help our employees participate in social distancing practices by taking advantage of the following convenient online tools and resources:  

• myPolicy, Citizens' smartphone-friendly, policyholder self-service tool
  • Submit a claim online
  • View your policy, claims and billing information
  • Submit premium payments 
• Online payment and pay-by-phone (866.411.2742) options   
• Email us 

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Phone Support

Although we encourage you to take advantage of our free and convenient online customer and claims service options, our toll-free phone lines remain open and available to serve customers who prefer to contact us by phone at 866.411.2742.

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Availability

• Customer Care Center – 8 a.m.-5:30 p.m. ET, M-F 
• Report a Claim – 24/7
• Pay-by-Phone – Automated, 24/7

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Payments, Cancellations and Policy Documentation

Citizens understands the extraordinary circumstances many of our policyholders are facing in light of COVID-19, and we are committed to doing what we can to help them get through this unprecedented event. Based on recommendations from the Governor’s Office, the Office of Insurance Regulation and Department of Financial Services, Citizens has put in place the following emergency guidelines and procedures:

• Effective on or after March 27, we stopped processing policy cancellations and stopped sending nonrenewal notices. We originally scheduled to restart regular processing on August 15, but have extended our emergency procedures as outlined below until at least the end of 2020.
• Policyholders may submit payments after their due date until at least the end of 2020.
• Policyholders must cancel their policy if coverage is no longer needed. They can cancel by completing our online form.
• If a policyholder is unable to pay their past-due amount, they must contact the Customer Care Center at 866.411.2742 or email Citizens for a special payment arrangement option developed for past-due COVID-19-affected policyholders.
• Payment arrangements are available for new policyholders, but only if they have paid their down payment.
• Bound applications for new business that are submitted without payment are not included in these provisions and will be cancelled back to the original requested effective date. 
• Underwriting rules have been relaxed to allow more time to submit required documentation. Contact your agent for more information.

Additional information is available in our FAQs.

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Policy Services and Managed Repair Program

Whenever possible, Citizens is using technology to minimize policyholder contact. When Citizens employees or Citizens vendors and their business partners (service providers) need to make in-person contact, we have established procedures to minimize contact and protect everyone involved.

• Citizens employees and service providers have been reminded to practice recognized health precautions, including frequent handwashing and social distancing. They have been asked to stay home if they feel ill or have had any contact with someone who may have been exposed.
• Citizens employees and service providers have been advised to work efficiently to minimize time spent in your home.  You have the option of waiting outside your home while service is performed.
• In some cases, inspections and other services can be deferred. If necessary, we will reschedule an appointment with you for a later time. Additional inspection options are available for policyholders with hurricane claims. 
• You remain responsible for the duties under your policy, such as retaining damaged property for our inspection, taking pictures of damages, etc. Failure to do so could result in a denial of your claim.

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Stay Safe

For more information about COVID-19 and what you can do to stay healthy and safe, visit the Centers for Disease Control and Prevention and your state and local health department websites.