Citizens will be closed for the Thanksgiving holiday on Wednesday, November 25 at 2 p.m. through Friday, November 27. To report a loss during this time, submit a claim via myPolicy 24/7 or contact our toll-free Claims Reporting Center at 866.411.2742. Citizens will resume regular business hours on Monday, November 30.
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Rate and Form Changes
September 30, 2019
The Florida Office of Insurance Regulation (OIR) approved changes to Citizens’ rates and forms. These changes reflect the projected savings due to the assignment of benefits reform announced June 19, 2019. The new rates apply to new and renewing personal residential policies with effective dates on or after December 1, 2019. The changes are outlined below.
The rate changes vary by line, product type and territory. Individual rate changes are subject to a 10% cap, excluding coverage changes, mitigation adjustments, rate changes for Sinkhole Loss coverage, assessments and surcharges, and a required rapid cash build-up provision for the Florida Hurricane Catastrophe Fund, if applicable.
* Monroe County rates are frozen for HO-3, DP-1 and DP-3 risks.
* Monroe County rates are frozen for HW-2 and DW-2 risks.
All Declarations have been updated to include Citizens’ suite number and nine-digit ZIP code.
For more information about rates, log in to the Agents site, go to the Personal section, and click on PR-M or PR-W on the left side of the page.
- The Rate Changes by Territory chart is in the Spotlight section on the right side of the page.
- Each policy form has a rating steps and factors manual, accessible from the Manuals section on the right side of the page.
Agent Bulletins are provided for historical purposes only and 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, then selecting Search → Search Frequently Asked Questions.