Report a Claim

Experiencing a loss can be stressful and confusing, but reporting a claim should not be. Citizens’ toll-free claims hotline is available 24 hours a day, seven days a week. 

Claims Hotline – 866.411.2742

When you call, a friendly customer service representative will ask you for the following information:

  • Your policy number
  • Your contact information, including any temporary addresses or phone numbers where you can be reached if you have been displaced
  • Damage description (example: tree fell on roof, lightning struck house)
  • Mortgage company information (if applicable)

Call even if you are missing some of this information. Citizens will be able to assist you.



Important policy contract changes affect payment for emergency measures and permanent repairs following a loss. All new and renewing HO-3, HO-6 and DP-3 policies are affected.

Learn what is changing.

General Information

Brochure: Reporting a Claim in 4 Easy Steps
Managed Repair Program
Policy Changes at a Glance
Policy Changes Emergency Repairs (En español)
Policy Changes FAQs

Policyholder Resources

Call Citizens First Information Card (En español)
Call Citizens First Magnet
Policy Changes Reminder Postcard (En español)
Policy Changes Renewal Letter
Policyholder ID Card
Report Fraud


Policyholder Declaration of Rights

Citizens is committed to providing the best possible customer service to its policyholders. As part of that commitment, Citizens adheres to the following:

Policyholder Declaration of Rights

  • Created by Citizens as part of its Plan of Operation
  • Applies to all Citizens policyholders

Homeowner Claims Bill of Rights

  • Created by the Florida Legislature
  • Applies to any personal residential property insurance claim filed with property and casualty insurance companies operating in Florida



Download: En español

Download: En español