- Claim Payments No Longer Include Public Adjusters - Public - Citizens Property Insurance Corporation

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Claim Payments No Longer Include Public Adjusters

07.10.25

According to Citizens’ payment guidelines, claim payments must be issued directly to the named insured unless a third party is legally entitled to receive funds on their behalf. Examples of legally entitled third parties include but are not limited to:

Court-appointed guardians
Mortgage companies
Estate representatives (with proper documentation)

Public adjusters do not meet the criteria of a legally entitled third party and, therefore, must not be included as payees on any claim checks.

Agents must ensure that public adjusters are not added to policies as any of the following:

Additional Interest
Additional Insured
Loss Payee

Note: Attempting to include a public adjuster on a policy will result in a referral to Agent Compliance.

Resources

Credentialed agency users can log in to the Agents site and select:

Training > Job Aids > Personal Lines, and then select the Policy Change job aid

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.