Agents must check if a customer is eligible for Citizens using one of these methods:

1. Use Clearinghouse Powered by EZLynx® to quote these policy types: HO-3, HO-6, DP-1-Dwelling, and DP-3-Dwelling. 
2. Use PolicyCenter® to quote these policy types: HO-4, HO-8, DP-3-C, DP-1-C, MHO-3, MHO-4, MDP-1, and all wind-only policy types. You will be responsible for determining eligibility (i.e., via a comparative rater).
   • Agents may be required to upload these documents to Citizens in PolicyCenter:
     • Proof of prior coverage:
       • A renewal offer (if applicable)
       • Nonrenewal notice, cancellation notice, or new purchase documents
       • Note: No proof is needed if coverage lapsed for over 45 days.
     • Offer of Coverage A/B; either of the following is acceptable:
       • A screenshot of a comparative rater, or at least one quote from a carrier’s website, showing offers are more than 20% greater than the Citizens premium for comparable coverage (with coverages matching the final policy)
       • A screenshot of the comparative rater, or at least one declination from a carrier’s website, showing that no offers are available (with coverages matching the final policy). 

Agents are required to remarket all business placed with Citizens upon renewal to confirm that there are no other options available for the insured risk.

• For HO-3, HO-6, DP-1-Dwelling, and DP-3-Dwelling Policy Forms: The agent will be required to work each renewal that is placed through the Clearinghouse to make sure that the Citizens policy is eligible for renewal.
  • Any offer not more than 20% greater than the Citizens renewal premium will result in a nonrenewal of the Citizens policy.
    • If this is the case, a new-business policy will need to be written with another carrier.
  • Agents have the option to submit the quote to a private-market carrier as new business or obtain coverage through other available markets any time a valid offer is present, including:
    • When a policy is eligible to renew with Citizens, but the policyholder wishes to accept coverage at a greater premium.
• Agents may need to communicate with their customers to obtain carrier-requested information to complete the remarketing process.
   
• For HO-4, HO-8, DP-3-C, DP-1-C, MHO-3, MHO-4, MDP-1, and All Wind-Only Policy Forms: These policy forms are not in the Clearinghouse at this time.
  • Agents are required to remarket each policy at renewal with the carriers they have the ability to quote and write new business with. If a private-market offer is available, the agent will contact the insured to discuss the option.

Risks submitted to private market carriers will be subject to all new business underwriting and documentation requirements. This can include current inspections and other requirements to complete the new-business submission.