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2021 WLM Changes for New Business

As noted in the Personal Lines Bulletin dated June 11, 2021, Citizens has enhanced the wind mitigation credit structure for homes built in or after 2002 to better address variations in the requirements for wind loss mitigation (WLM) in the Florida Building Code. This enhancement is effective August 1, 2021, and affects the following policy types:

  • Citizens Homeowners 3 – Special Form (CIT HO-3)
  • Citizens Homeowners 8 – Modified Coverage Form (CIT HO-8)
  • Homeowners 2 – Wind-Only Form (HW-2)

Based on the Florida Building Code, PolicyCenter® now has new higher wind-speed values for homes built in 2012 and later.

For homes built in 2002 and later, agents can use the Applied Technology Council’s Hazard by Location website to determine wind speeds for PolicyCenter and the Property Insurance Clearinghouse. Log in to the Agents site and select FAQ 4294 for step-by-step directions.


Log in to the Agents site and select Training > Personal Job Aids > Clearinghouse > Wind Mitigation Feature Help Chart.

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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.