Citizens’ underwriting guidelines have been updated to clarify roof eligibility rules and also to remove the $60,000 Coverage A limit for mobile home dwelling policies. These changes are effective December 1, 2018, for new-business and renewal policies. The changes do not affect rates and are detailed below.
The Roof Condition and Roof Covering Age sections in the manuals have been combined and renamed to Roof Age and Condition. The following apply to all policy types except condominium and tenant contents risks:
For Mobilehome Dwelling Property 1 - Basic Form (MDP-1) policies, the $60,000 limit to Coverage A for owner-occupied mobile homes has been removed. (The Coverage A limit for these policies is $250,000, or $700,000 if in the wind area for policies with wind.) Also, risks are eligible for a MDP-1 policy only if underwriting rules specifically require a mobile home dwelling policy rather than a mobile homeowners policy due to loss history or other underwriting considerations.
For more information about the changes, log in to the Agents site:
Citizens provides agent communications online for historical purposes only, and the communications have not been updated to include any changes that may have been made after publication. Agents can find the latest information by reviewing the applicable underwriting manuals, and by logging in and accessing our FAQs, which are available from the top of any page on our website.