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After a steep drop the previous week, the number of policies in the Citizens Property Insurance Corporation increased slightly last week.

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You never want to leave it until the last 24 hours, as then you're at the mercy of car insurance providers — who will see you coming a mile away when you are desperate.

Barker said he filed a property claim with Citizens Insurance, but after months with no resolution, he said the company offered a settlement of just $1,500. "That can't fix anything," he said.