Question on homeowners insurance

[Cindy Joseph]

Looking for anyone with experience in home owners insurance in Florida (citizens) for our duplex (living on one side and tenants on other):

Our insurance agent incorrectly billed our bank when we have been directly paying our home owners the last 2 years. By the time I realized it and sent a check it was past due. Today I recieved a notice saying the insurance was cancelled. I think

The check was lost in the mail and taking a whole due to the holidays. I am going to overnight another check tomorrow. Does anyone know if citizens will

reinstate the insurance?

[Anderson Banegas Cerrato]

Hi Cindy,

That sounds incredibly stressful, especially during the holidays when things are already chaotic. While I don’t have experience specifically with Citizens in Florida, I’ve had a similar issue with insurance delays before. What worked for me was contacting the insurer directly and explaining the situation—it can help to show proof of payment or intent to pay (like tracking info for your overnight check). Some companies are flexible if you address it quickly.

Stay persistent! A quick call to your agent might also help to ensure they’re advocating for you. Homeownership has its challenges, but situations like these remind me of the importance of staying on top of even the smallest details. You’re not alone—keep us posted!

Best,

Anderson