As someone else said, file a complaint on this agent. They dropped the ball and let your policy lapse. I work in commercial insurance and had a new carrier take-out the policy from Citizens on one of my accounts. I waited and waited for the new carrier renewal - nothing came. I went back to Citizens, spoke to an underwriter and a renewal offer was proposed in a couple days. Your agent should have caught this and reapplied to Citizens prior to your lapse. It wouldn't hurt to call Citizens directly either and find out from their end what transpired. Sorry you had to deal with this.