Beatrice's complaint:
November 05, 2012

Insurance Company: Citizens Property Insurance Co
Coverage Type: Homeowners Insurance

• Claim Handling - Delays upon Delays
• Claim Handling - Unsatisfactory Settlement/Offer
• Claim Handling - Denial of Claim
• Claim Handling - Unjustified Accusations
• General - I feel abused by this company

we feel we have a legitimate claim with citizens, (a state insurance company) we were put in CITIZENS by our esteemed Governor Scott..(when our previous company would not insure any homeowners policies in the state of Florida) There was a tornado several miles from our house(a small villa HOA) we lost shingles on our roof, and had a wet ceiling in our laundry room and worse, had a hole in the ceiling in our bedroom, and water leaks in our den ceiling, water on the floor, a ruined carpet and furniture...We immediately call CITIZENS!! the adjuster came and said we were not covered..They paid us $800.00 for the furniture and rug, but said they held no responsibility for the rest of the damage.. They said we needed a new roof, and suggested we put up a "blue tarp" ...and they would not pay for anything...Needless to say, we immediately called in a licensed roofer, got all the necessary paper work and permits completed, and proceeded to put up the new roof.(We paid the $6000.00 for the roof.)..This was done in November of 2011.. In case of another storm, and being prepared for the 2012 hurricane ..At this point, our bedroom ceiling and wall was turning black, and we discovered MOLD,the inside hole was getting bigger and we were also loosing popcorn from the ceiling.We called in a restoring company to assess the damage, and the cost would be approximately $20,000.00..They in turn called in a mold expert, and it was confirmed that our bedroom had much mold and was unhealthy to sleep in...We then went to mediation with CITIZENS..They offered us $800.00..That was laughable..Since then we have gone to arbitration and negotiation..Nothing has been resolved..We are now waiting for a court date, which was scheduled first for Oct, then cancelled and changed to November, and now moved up to Jan. (possiblY)..We cannot sleep in our bedroom, due to the mold, which we keep treating and spraying..I DO BELIEVE THAT CITIZENS IS JUST WAITING FOR US TO DIE SO THEY WON't have to pay this claim!!!!!!My husband is a WW ll veteran, and is now .88 years old. I am 83..How long do we have to wait to make our home liveable...????..We seem to be getting noplace.

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