PolicyCenter®, including electronic payments, may be unavailable due
to maintenance on Wednesday, April 24, from 7 p.m. to 10:30 p.m. We
apologize for any inconvenience.
PolicyCenter®, including electronic payments, may be unavailable due
to maintenance on Wednesday, April 24, from 7 p.m. to 10:30 p.m. We
apologize for any inconvenience.
Updated June 30, 2021
Effective July 1, Citizens will replace the existing Personal Lines cost estimator in the Property Insurance Clearinghouse and PolicyCenter® with one called Residential Component Technology (RCT) Express. Agents will use RCT Express for new business and applicable policy changes.
Citizens strongly recommends training for Personal Lines agents who have not used RCT Express. Details are below.
RCT Express was developed by CoreLogic, and it has many helpful features to calculate valuations by providing specific and detailed descriptions and characteristics of a dwelling and mobile home/manufactured home interior and exterior features. Some advantages of RCT Express include:
To avoid duplicate cost estimator data entry, Citizens strongly encourages agents to begin reviewing and submitting current applications in the clearinghouse and PolicyCenter before June 30. Use the chart below for guidance.
If… | Then… |
---|---|
An agent enters a risk into the clearinghouse but doesn’t bridge the clearinghouse quote (either with Citizens or another carrier) by June 30 | The agent must use the new RCT Express cost estimator to establish a Coverage A value. |
The agent enters a risk into the clearinghouse and bridges the clearinghouse quote to PolicyCenter or bridges the quote to another carrier by June 30 |
The existing cost estimate for Citizens’ risks in PolicyCenter is valid. Notes
|
The agent has a pending policy change that requires use of the cost estimator, and requests a premium estimate by June 30 | |
The agent enters a risk in PolicyCenter but does not request a premium estimate by June 30 | The agent must use the new RCT Express to establish a Coverage A value. |
All Personal Lines agents who have not used RCT Express are encouraged to take training via at least one of the following:
Citizens urges agents and staff who have mobile home risks to attend or view the cost estimator webinar for mobile homes. RCT Express uses a significantly different approach for mobile home valuations when calculating the actual cash value for mobile homes.
Other agency staff with Citizens Authentication Gateway (CAG) credentials are encouraged to complete cost estimator training. (CAG credentials are the username and password used to log in to PolicyCenter.)
Register for the live webinars using the links below or logging in to CLC:
Date and Time | Topic and Registration Link |
---|---|
Tuesday, June 22 10-11:30 a.m. ET |
Transitioning to Citizens New Replacement Cost Estimator: RCT Express |
Tuesday, June 22 2-3:30 p.m. ET |
Citizens New Cost Estimator for Mobile Homes: RCT Express |
Thursday, June 24 10-11:30 a.m. ET |
Citizens New Cost Estimator for Mobile Homes: RCT Express |
Thursday, June 24 2-3:30 p.m. ET |
Transitioning to Citizens New Replacement Cost Estimator: RCT Express |
Follow these steps to register for any of the live webinars:
You also can access CLC from the Agents site:
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.