News Carousel

Personal Lines Bulletin

Citizens Highlights

Dynamic Header

Personal Lines Bulletin

Ruta de navegación

Publicador de contenidos

Form Changes for Senate Bill 76

-------------------

-------------------

September 02, 2021

The Florida Office of Insurance Regulation (OIR) has approved changes to Citizens’ Personal Lines policy forms and endorsements in response to Senate Bill 76 (SB 76). The changes outlined below are specific to provisions regarding claims and apply to new-business and renewal policies effective November 1, 2021.

Note: This is not a summary of the bill.

Notice of Property Insurance Claims Changes

The Notice of Property Insurance Claims section of SB 76 indicates:

  • A property insurance claim or reopened claim is barred unless reported to the insurer within two years after the date of loss.
  • A supplemental claim is barred unless reported to the insurer within three years after the date of loss.
  • Definitions of a reopened claim and a supplemental claim are revised.
  • For claims resulting from hurricanes, tornadoes, windstorms, severe rain or other weather-related events, the date of loss is the date that the hurricane made landfall or the date that the tornado, windstorm, severe rain or other weather-related event is verified by the National Oceanic and Atmospheric Administration.

As a result, Citizens changed the provisions for claims, supplemental claims and reopened claims in the Conditions section and coverage outline for all Personal Lines policy forms.

Agents and credentialed agency staff can review Edition 11.01.21 of these forms the following ways:

  • Access the policy in PolicyCenter® and navigate to the Documents screen to view the new business or renewal Declarations packet.
  • Log in to the Agents website and select Personal > PR-M or PR-W, and then select the appropriate policy type on the left-menu bar. Look for Edition 11.01.21 for each of the forms.

Notice of Change in Policy Terms

Citizens will send policyholders a Notice of Change in Policy Terms beginning with renewal offers effective November 1, 2021. These notices are available in the Policyholder Notices section for each policy form on the Personal section of the Agents site.

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. 

Header - Spotlight

Spotlight

Breadcrumb Spacer

@

Publicador de contenidos

Here are the Newest Agent Bulletins

Latest Agent Updates Bulletins

2022 Hurricane Season Information (AU: 2022 Hurricane Season Information)
myPolicy: Access Policy Documents Online (AU: myPolicy: Access Policy Documents Online)
Social Security Numbers/FEINs Requirements (AU: Social Security Numbers/FEINs Requirements)

Latest Personal Lines Bulletins

Securing Coverage for Lighthouse Property Insurance Corporation Policyholders (PL: Securing Coverage for Lighthouse Property Insurance Corporation Policyholders)
2022-B Florida Insurance Guaranty Association Assessment (PL: 2022-B Florida Insurance Guaranty Association Assessment)
Clarification of February 1, 2022, Eligibility Rules (PL: Clarification of February 1, 2022, Eligibility Rules)

Latest Commercial Lines Bulletins

2022-B Florida Insurance Guaranty Association Assessment (CL: 2022-B Florida Insurance Guaranty Association Assessment)
Securing Coverage for Avatar Policyholders (CL: Securing Coverage for Avatar Policyholders)
2022 Form Changes (CL: 2022 Form Changes)

Email Distribution for Agent Bulletins

Get Agent Bulletins

Email Distribution

Subscribe to or unsubscribe from Agent Bulletins.

Publicador de contenidos

Twitter

Follow Us On Twitter