Frank Gomez, 67, battled Citizens for nearly two years before getting some satisfaction on a claims settlement.

Gomez said a sewage line burst beneath the kitchen floor in his 40-year-old, four-bedroom ranch home, and he needed a public adjuster and attorney before finally receiving a $40,000 settlement. After paying the public adjuster his 20 percent — $8,000 — Gomez said he had enough money to pay for approximately half of his loss.

"Believe me, it was terrible," Gomez said.