06/18/2026
⚖️ DOAH Update: You're Still Stuck With It
A bill that would've at least given Citizens policyholders the choice of whether DOAH applies to their policy made it through committee and then died. It wasn't a perfect fix, but it was a start. Now even that's gone.
What that means: if you have a Citizens policy, you're still bound by whatever claim determination they make through the Department of Administrative Hearings, where Citizens wins the vast majority of cases (some sources cite 90-99% of the time).
Attorney Warren Duffy breaks down what this means for Florida homeowners right now - and why future changes likely won't apply retroactively to cases already in progress.
If you have a Citizens policy, talk to your agent about comparing other options. And if you're disputing a claim, give us a call.