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Application Updates and FIGA Policyholder Affirmation Form

As previously announced in the June 30, 2023, Commercial Lines Bulletin, an application for coverage cannot be denied solely because of unrepaired damage caused by a covered loss that is the subject of a Florida Insurance Guaranty Association (FIGA) claim. This provision is applicable until the earlier of 24 months after the date FIGA began servicing the claim or FIGA closes the claim. As a result, the application has been updated. This change will be effective for all Commercial Lines new business on or after February 15, 2024.

If Yes is selected for the eligibility question, a description of the existing damage as well as the following criteria is required:

  • Address
  • Specific building description
  • Date of damage

Policyholder Affirmation Form

A required document will trigger when the FIGA-related eligibility questions are answered Yes on the application indicating the applicant has a FIGA-related claim. Applicants will be required to sign the Policyholder Affirmation Regarding FIGA Claims form. This form confirms that the applicant understands that Citizens policies do not cover damage that occurred before policy inception and requires a detailed description of the unrepaired damage and photos.

Note: The Policyholder Affirmation Regarding FIGA Claims form can be signed electronically.


Log in to the Agents site, select Commercial > CR-M, CR-W, CNR-M or CNR-W then select Submission and you can view the new form under General.

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.