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Securing Coverage for Lighthouse Property Insurance Corporation Policyholders

Lighthouse Property Insurance Corporation was ordered into liquidation by the 19th Judicial Circuit Court in the parish of East Baton Rouge, Louisiana, as of April 28, 2022. All policies will be cancelled effective May 28, 2022. For more information, see the order.

Note: Policies renewing prior to May 28, 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.

Deferral for Required Documents for New-Business Submissions

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:

  • 4-point inspection form
  • Roof condition documentation
  • Current Uniform Mitigation Verification Inspection Form (OIR-B1-1802)

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 Lighthouse Property Insurance Corporation Policies in lieu of these required documents in PolicyCenter®. This deferral program ends June 10, 2022.

Agents should submit new business for underwriting review as soon as all initial documents, including the Document Deferral Form (if needed), are loaded into PolicyCenter. After the new business policy is issued, agents must submit all required documents no later than 60 days after the Citizens policy effective date to avoid cancellation or nonrenewal.

As reminders:

  • All new-business risks must be submitted through the Citizens’ Property Insurance Clearinghouse for applicable policy types.
  • Citizens has statutory maximums on coverage limits: Any risk in any county (except Miami-Dade or Monroe counties) that has a dwelling replacement cost of $700,000 or more, or a single condominium unit that has a combined dwelling and content replacement cost of $700,000 or more, is not eligible for coverage with Citizens. In Miami-Dade and Monroe counties, any risk that has a dwelling replacement cost of $1,000,000 or more, or a single condominium unit that has a combined dwelling and content replacement cost of $1,000,000 or more, is not eligible for coverage with Citizens.

Risks with Existing Damage/Open Claims

To submit a risk with existing damage, contact the Customer Care Center at 888.685.1555. Inform the representative that the risk is a Lighthouse 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:

  • Photos of the existing damage
  • Document(s) reflecting when the repairs will be completed

Note: Personal Lines Underwriters may request an existing damage written disclaimer from the applicant.

Entering the Prior Carrier in PolicyCenter

When submitting a new-business risk into PolicyCenter, agents must follow the steps below to select the appropriate prior-carrier information:

  1. On the Policy Info screen, enter information regarding the prior policies.
  2. Click in the Carrier Name field to access the search feature.
    Result: The External Carriers search page displays.
  3. Enter the first few characters of the carrier’s name and select Search.
    Result: The search results display.
  4. In the search results, select 204639 for the Carrier Id and Lighthouse Property Insurance Corporation for the Carrier Name.
    Result: The Policy Info screen displays.
  5. Complete the remaining fields: Policy Number, Expiration Date and Cancel or Non-Renewal Reason.


Personal Lines Bulletin: Reminder: Automated Loss-History Data in PolicyCenter dated November 17, 2021

For more details, log in to the Agents website and select:

  • Training > Citizens Essentials for online webinar recordings to help you navigate the new-business submission process and service your customers:
    • Citizens Essentials 1: Personal - Eligibility and Prequalification
    • Citizens Essentials 2: Success in the Clearinghouse
    • Citizens Essentials 3: Personal - Submission and Issuance in PolicyCenter
    • Citizens Essentials 4: Personal - Servicing, Remarketing and Renewals
  • Training > Personal Job Aids to access:
  • FAQs on the top menu. Enter +document +deferral in the Search field.

If you have any questions or concerns, contact Citizens’ Customer Care Center weekdays, 8 a.m. - 5:30 p.m. ET, 888.685.1555.

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.