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RCT Express New-Business Factors

To address fluctuating costs in building materials and ensure dwellings are insured for the full replacement cost, agents should be aware of inflation factors for new business starting April 1, 2024.

Residential Component Technology (RCT) Express

RCT Express®, the cost estimator product utilized by Citizens under license from CoreLogic®, will reflect the updated cost of construction to align with inflation adjustments. Any RCT Express estimate that is created or updated with a premium bearing change after April 1 will reflect the new cost information.

For quotes submitted prior to April 1, a new RCT calculation will not be required if bound after April 1.

Note: This includes quotes for new-business and policy changes.

It is important to insure properties for the full replacement cost to prevent dwellings from being underinsured in the event of a loss and to comply with underwriting requirements. Inflation factors are updated on a quarterly basis.


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

  • Rule 208: Coverage Limits – Minimum/Maximum in the Underwriting Guidelines. Select Personal > PR-M or PR-W, and then select the product line on the right under Manuals.
  • Coverage Reference Sheet: Select Training > Personal Job Aids, and then look under Resources on the right.
  • Select FAQs on the center menu, and then enter inflation in the Search field.

Legal Disclaimer

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.