As Tropical Storm Nicole approaches, Citizens hopes your family stays safe and that your property remains undamaged. Even if the storm doesn’t make landfall in your area, many areas outside of the forecast cone could experience tropical storm-force winds, rain and storm surge. Citizens is prepared, and we:
Advise policyholders to report a loss using one of three convenient options:
After reporting, a Claims representative will call the policyholder back with the adjuster’s contact information.
Agents can report an FNOL in PolicyCenter®:
Instruct policyholders to:
As reported in the Changes to Policy Language that Impact Claim Payments and Coverage, ensure your impacted HO-3, HO-6 and DP-3 policyholders are aware of a policy provision that requires them to take reasonable emergency measures for the sole purpose of protecting covered property from further damage when experiencing a loss.
Citizens must receive prompt notice of loss. Except for policy provisions regarding reasonable emergency measures, there may be no coverage for permanent repairs that begin before one of the following occurs:
For details, refer to Reporting a Claim in Four Easy Steps, located on the Brochures page of the Public website. A Spanish version also is available.
The hurricane deductible is applied on a calendar-year basis from January through December. During a busy hurricane season, once covered damages to the property exceed the hurricane deductible, claim payments may be issued even if the property sustains damage from multiple named storm events throughout the year.
Note: Policyholders should report their loss from this storm and previous storms even if they believe the individual storm loss or the aggregate of multiple losses will not exceed their hurricane deductible amount.
Agency principals can request a book-of-business listing via myAgency. For details, refer to the myAgency User Guide on the Agents website. Select Training > Personal Job Aids and look in the General section.
For more information about claims reporting and storm preparation, see Citizens’ online resources:
If you have questions or need additional support, contact Citizens via the Contact Us feature on the Agents website.
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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.