Renewals will soon be processed through Clearinghouse Powered by EZLynx®. This enhanced solution provides Citizens-appointed agents with a platform that delivers real-time homeowners and dwelling quotes from participating insurers with whom they are appointed.

At renewal, the Clearinghouse will automatically review policies on the following policy forms to determine if any private-market offers are available:

• Citizens Homeowners 3 – Special Form (CIT HO-3)
• Citizens Homeowners 6 – Unit-Owners Form (CIT HO-6)
• Dwelling Property 1 – Basic Form (CIT DP-1-D)
• Dwelling Property 3 – Special Form (CIT DP-3-D)

Only carriers for which agents have full appointments and credentials in the Clearinghouse will be considered to determine eligibility.

Any offer not more than 20% greater than the Citizens renewal premium will result in a nonrenewal of the Citizens policy.

Note: As defined in your Agency and Agent Agreement (Section II, F.) and as part of Citizens Plan of Operation, you are required to remarket your Citizens business at renewal to determine if there are private-market offers available.

How the Renewal Process Will Work

The Clearinghouse renewal process begins 60 days before the expiration date of the current policy term. If an eligible private-market offer is found, a nonrenewal notice will be processed 53 days before the expiration date of the current policy term.

Due to the short renewal window, agents have limited time to secure private-market coverage. To request Citizens to override the eligibility decision, select and complete the override form provided in the Resources section below. Citizens will send a daily email listing policies that are eligible to renew, may be nonrenewed, or require further action. Non-compliance can result in a loss of coverage.

The agent of record will receive an activity in PolicyCenter® for each risk.

Agents may also use the myAgency dashboard’s Book of Business tab, which allows agency principals to forecast monthly renewal volumes.

Pilot Program, Go-Live, and Training

Beginning September 17 through October 20, Citizens will conduct a pilot of the Clearinghouse renewal program with a select group of agencies. If your agency is chosen to participate, you will receive further communications with details and next steps.

A phased implementation for all agencies is set to begin on November 4, 2025, with full implementation expected by December 3, 2025.

Agents and licensed customer representatives must complete a mandatory training module that will be announced. Citizens will also offer live webinars and additional resources soon.

Resources

Log in to the Agents site, select Programs > Clearinghouse on the top menu. Look on the right-hand side under the Learn More section, and access the following resources:

• Participating Clearinghouse Carriers
• EZLynx & Citizens Resource Hub
• Clearinghouse Powered by EZLynx Override Form