Citizens Property Insurance Roof Claim Guide — Florida

Citizens Property Insurance is Florida's state-backed insurer of last resort and currently the largest homeowner carrier in Central Florida. Citizens claims are highly procedural — strong photographic documentation and prompt adjuster meetings consistently produce the best outcomes. Matata Roofing has handled Citizens claims across all 8 Central FL counties and provides the entire claim assistance process free.

Citizens claim line

1-866-411-2742

Step-by-step process

Photograph damage and call Citizens at 1-866-411-2742 to open the claim (write down the claim number).
Call Matata at (321) 444-5191 — we deploy a drone within 24-48 hours and produce a timestamped damage report.
Confirm date/time of adjuster inspection and ensure your Matata project manager is on-site.
Review Citizens' scope of loss line-by-line within 72 hours of receipt.
Submit supplements with the missing line items (vents, drip edge, deck re-nail, secondary water barrier, ridge cap, matching statute).
Sign the contract with Matata after Citizens issues the final payment authorization.

Citizens-specific notes

Citizens uses a managed-repair program by default — opt out in writing if you want choice of contractor.
Citizens routinely issues partial-pay scopes on shingle roofs. Most can be supplemented to full replacement under the Florida matching statute (626.9744) with proper documentation.
Citizens enforces strict 1-year notice-of-loss deadlines and a 5-year supplemental claim window (FS 627.70132).

FAQ

Does Citizens cover the full roof replacement cost?

Citizens pays Replacement Cost Value (RCV) for roofs under 25 years old when the damage is from a covered peril (hurricane, hail, sudden wind). Older roofs may be limited to Actual Cash Value (ACV) which deducts depreciation. Matata's drone documentation maximizes whatever your policy covers.

How long does a Citizens roof claim take?

Citizens is required to respond to claims within statutory deadlines (currently 30 days to acknowledge, 60 days to pay or deny once proof of loss is received). With Matata's drone documentation, most Central FL Citizens claims close in 45-75 days.

Will filing this claim raise my premium?

Florida law restricts non-renewal solely for filing a claim, but multiple claims within 3 years or a roof older than 25 years can affect renewal pricing. Matata's free pre-claim drone inspection helps you decide whether to file.

Do I need to pay my deductible up front?

Yes — Florida law prohibits contractors from waiving or rebating insurance deductibles. Matata never asks you to commit fraud by inflating a quote to absorb the deductible.

Free Citizens claim assistance — call (321) 444-5191. Licensed FL CCC1337212.