Florida homeowner guide
Citizens Insurance and Wind Mitigation in Florida: What to Ask
Citizens policyholders should confirm whether wind mitigation credits are already applied and whether the insurer has the current inspection form and required photos.
This guide is informational only. It is not legal, insurance, financial, roofing, or engineering advice.
Why this low-competition angle matters
Citizens-specific questions are narrower than Florida homeowners insurance and often come from policyholders with immediate renewal concerns.
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What homeowners should check
Check the declarations page, wind mitigation credits, roof age, roof covering, opening protection, and any inspections requested at renewal.
Questions to ask your agent or insurer
Ask which credits are applied, which credits are missing, and whether a new OIR-B1-1802 form could change the wind portion of the premium.