The Second Judicial Circuit Court ordered Avatar Property & Casualty Insurance Company into receivership as of March 14, 2022. All Avatar policies will be cancelled effective 12:01 a.m. on April 13, 2022. For more information, see the order.
After an agent exhausts all other avenues for coverage, Citizens is ready to assist with securing coverage for these risks that meet Citizens’ eligibility guidelines.
Note: Policies renewing prior to April 13, 2022, can be submitted as part of this process.
To support the short time needed to provide coverage for these risks, Citizens has eased some underwriting time frames. More information is below.
Agents should submit required documents for all new-business submissions, including proof of repair for any fully repaired damage.
Agents can defer required documents for new-business submissions for:
Wind Loss Mitigation: Agents should apply the discount based on the current form available. If the current form is expired, it may be provided as a required document. A new form will be required within 60 days to retain the discount.
Submit the Document Deferral Form for Avatar Property & Casualty Insurance Company Policies in lieu of these required documents in PolicyCenter®. This deferral program ends April 28, 2022.
Agents must submit all required documents no later than 60 days after the Citizens policy effective date to avoid cancellation or non-renewal.
As reminders:
To submit a risk with existing damage, contact the Customer Care Center at 888.685.1555. Inform the representative that the risk is an Avatar customer who has existing damage and needs to secure coverage before their existing policy is cancelled. The representative will provide you with further instructions as these risks must be submitted unbound for review. These will be individually underwritten and there is no guarantee of coverage.
When open claims and/or existing damage is present, a submission for approval should include the following documentation:
Note: Personal Lines Underwriters may request an existing damage written disclaimer from the applicant.
When submitting a new-business risk into PolicyCenter, agents must follow the steps below to select the appropriate prior-carrier information:
For information on other companies who are making offers to Avatar policyholders, please refer to this memo.
For more details, log in to the Agents website and select:
If you have any questions or concerns, contact Citizens’ Customer Care Center weekdays, 8 a.m. - 5:30 p.m. ET, 888.685.1555.
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.