The Clearinghouse Program helps consumers who believe Citizens may be their only insurance option find private insurance options. Find carriers participating in Citizens’ Clearinghouse.

The Clearinghouse:

• May offer better or more comprehensive coverage options than what is available through Citizens
• Compares private-market offers that may cost less than comparable coverage from Citizens
• Helps customers who receive private-market offers to reduce their assessment risks in comparison to Citizens’ policyholders

The Clearinghouse is required by Florida Statute 627.3518 and helps agents establish eligibility prior to placing or renewing a policy with Citizens. 

Eligibility

You may be eligible for Citizens if one of the following criteria is met:

• No private-market companies are willing to offer coverage at their approved rates.
• The premium for coverage offered by private-market insurers is more than 20% higher than the premium for comparable coverage from Citizens.

How Agents Comply with the Clearinghouse Program

New Business

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 must 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). 

For assistance with determining eligibility and which required documents are needed, refer to the Eligibility Matrix.