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Inflation Factor Adjustments

Inflation factors for renewal policies are higher than previous years to address increasing costs in building materials and to ensure the building limit is insured for total replacement cost. Inflation factors may increase as high as 25 percent.

Note: Inflation factors are updated on a quarterly basis.


This inflation adjustment increases the policy’s coverage amounts, which may increase premiums for renewals effective on or after October 1.


This change is not a rate change.

When an inflation factor is applied, the following statement will display on the Declarations page:

Your coverage limits have been adjusted for inflation.

Agents should review the policy’s current coverage limit(s) to ensure adequate coverage exists. Agents can provide an alternate valuation.


Log in to the Agents site to access the following resources:

  • Under the Coverage rule in the Underwriting Guidelines, select Commercial, and then select the appropriate policy type on the left menu.
  • Coverage Reference Sheet: Select Training > Commercial Job Aids, and look under Resources on the right.
  • Select FAQs on the top menu and enter inflation in the Search field.

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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.