We are experiencing a temporary outage for myPolicy. We are working to resolve the issue. Report a loss by contacting our 24/7, toll-free Claims Reporting Center at 866.411.2742. We apologize for any inconvenience.
We are experiencing a temporary outage for myPolicy. We are working to resolve the issue. Report a loss by contacting our 24/7, toll-free Claims Reporting Center at 866.411.2742. We apologize for any inconvenience.
Citizens is updating our eligibility rules to comply with Senate Bill 2-A, passed by Florida legislators during the December 2022 Special Session. This communication covers new business only. We will send information about renewal at a later date.
All personal residential new-business applications effective on or after April 1, 2023, that include wind coverage and are located in the special flood hazard area, as defined by the National Flood Insurance Program (NFIP), now are required to have flood insurance.
Additionally, all customers impacted by this new rule will be required to sign a Policyholder Affirmation Regarding Flood Insurance (CIT FW01).
Under the new rule, a new-business applicant located in a special flood hazard area is required to secure flood coverage from the NFIP or a private insurance carrier at the following limits:
If the above limits are not available from the NFIP, Citizens will accept the maximum coverage amount for which the insured is eligible. Maximum NFIP limits:
For policies effective April 1, 2023, and later, you will be prompted to add the flood information when completing the application and will be required to upload two required documents.
Figure 1: Flood Details on the Property Address Info screen
To demonstrate compliance with the flood requirement, all new-business applicants meeting the conditions above are required to submit both of the following documents:
Agents and credentialed agency staff can register to attend a free webinar, 2023 Personal Lines Flood Insurance Requirements, on January 31 or February 2. Log in to the Agents site and select Training > Live Education, and then select the appropriate link to register.
Topic | Date and Time | Location | Registration Link |
---|---|---|---|
2023 Personal Lines Flood Insurance Requirements | Tuesday, January 31 10-11 a.m. |
Zoom | Register Here |
2023 Personal Lines Flood Insurance Requirements | Tuesday, January 31 2-3 p.m. |
Zoom | Register Here |
2023 Personal Lines Flood Insurance Requirements | Thursday, February 2 10-11 a.m. |
Zoom | Register Here |
2023 Personal Lines Flood Insurance Requirements | Thursday, February 2 2-3 p.m. |
Zoom | Register Here |
Agents and consumers can visit FloodSmart.gov for information about flood insurance and finding a flood insurance provider. Plan ahead as there is typically a waiting period for a flood policy to go into effect.
Log in to the Agents site, and:
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.
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