RUSKIN, Fla. - Nicholle Kvocka of Ruskin discovered her Citizens Insurance policy included fine print that denied her the right to sue in court. When fire damage to her home occurred during Hurricane Helene , Citizens declined to cover it.

The dispute was sent to Florida's Division of Administrative Hearings (DOAH), where Kvocka said the ruling went against her despite engineers confirming fire damage occurred.

What we know:

Attorney Christopher Fauntleroy, representing the Kvockas and other Citizens policyholders, said homeowners rarely prevail in DOAH. Under a 2023 law, Citizens can channel disputes into this administrative process, where judges and their staff who hear the disputes are funded by the insurer itself.

Losing homeowners may also be responsible for Citizens’ legal

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