Why homeowners are losing 90% of cases against Florida’s biggest insurer

Florida’s home insurance crisis has left more than half a million homeowners with no choice but to rely on the state’s insurer of last resort.

As private companies have fled the market and premiums have skyrocketed , Citizens Property Insurance Corporation has become the only remaining option for many.

But when policyholders challenge denied claims, Citizens wins more than 90% of the time in a little-known legal process that sidesteps traditional courts, where its win rate drops to around 55%, as first reported by ProPublica and the Sun Sentinel .

The disparity reveals a troubling pattern in an already fragile market—one where homeowners are being pushed into a system where the odds are overwhelmingly stacked against them.

The new ‘courtroom’ homeowners rarely chose