Call Citizens First
Report your claim as soon as you become aware of or suspect damage. Citizens offers our customers two convenient ways to report a claim:
- Report your claim by computer or smartphone through myPolicy, Citizens’ online, policyholder self-service tool.
Claims Hotline – 866.411.2742
- Citizens’ toll-free claims hotline is available 24 hours a day, seven days a week.
If you are displaced following the hurricane, make sure you provide temporary contact information when you report your claim. If we can’t reach you, your claim could be delayed.
Additional Living Expense Coverage
Some homeowners policies provide additional living expense (ALE) coverage, which helps pay for expenses incurred because your home has been deemed unlivable due to a covered loss. ALE provides coverage for the increase in costs over your normal expenses if a covered loss makes your home unlivable. This can include expenses for food, a place to live or other costs associated with maintaining your household.
Accurate receipt documentation is required. Make copies of these receipts for your records and provide the originals to your adjuster for review.
ALE coverage is limited and varies by policy type. Your adjuster can provide details about coverage. Check with your agent for more information about ALE coverage.
Important policy contract changes may 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.
Once your home is secure, don’t start any repairs until you Call Citizens First. Before starting emergency repairs, document all damages by photo or video. Keep any damaged items for inspection by Citizens and save all receipts in case you are eligible for reimbursement.
Don't Sign Away Your Rights
Some contractors will ask you to sign your benefits over to them before starting emergency repairs. This is called assignment of benefits. Do not sign over your insurance benefits to anyone. Signing over your benefits can cause an increase in costs for which you could be left on the hook
Do not sign an Assignment of Benefits form if asked to do so by a contractor or public adjuster without calling Citizens first.
- Learn more about assignment of benefits.
- Learn how you can protect yourself against assignment of benefits abuse.
Catastrophes breed crimes of opportunity. After a hurricane, contractors or claims adjusters may approach you with promises too good to be true. If someone is promising you something for nothing or offering something that sounds too good to be true, they may be attempting to involve you in insurance fraud. Call Citizens or your agent before signing or agreeing to anything.
Hurricane Michael Recovery Resources
Citizens is committed to responding quickly to disasters and providing local services and support to policyholders in a crisis.
Citizens has identified mobile-home manufacturers and retailers making discounts and other incentives available for mobile/manufactured home purchases to people affected by Hurricane Michael.
Bay County - Hurricane Michael Recovery
Gulf County Citizens Information Hotline - 850.227.2349
Blue Roof Program - U.S. Army Corps of Engineers - 888.766.3258
FEMA - Hurricane Michael
FEMA - Disaster Recovery Center Locations -Text DRC and your ZIP to 43362
FEMA - Transitional Sheltering Assistance Program
FL Department of Financial Services
FL Division of Emergency Management
FL Office of Insurance Regulation
Open/Closed Private Businesses