When shopping for insurance, being prepared can save you time and money. Before visiting your Citizens-appointed agent, it will be helpful to gather as much of the following basic information that applies to your home and property as you can:
What You'll Need
Basic Features
Construction type
Construction year
Town house - number of units
Number of rooms
Room types
Total living area (square feet)
Fire Protection Distance
Nearest hydrant
Responding fire department
Major System Updates
Electrical
Heating/cooling (HVAC)
Plumbing
Photographs
Front/Back of house
Outbuildings
Roof information
Condition
Covering material
Date of last update
Roof shape
Specialty Features
Alarm/fire system
Home business information
Nearby water - name/distance
Pool/spa
Wind-Damage Mitigation
Known features
Documentation
If you don’t have all of the information above, don’t worry. Your agent can gather certain information and direct you to where other information may be found. Your agent also will be able to help you determine which inspections, if any, will be necessary for the coverage you are seeking.
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Clearinghouse
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The Property Insurance Clearinghouse is an innovative program that explores private market insurance coverage for consumers who believe Citizens may be their only insurance option.
The clearinghouse program:
May include more personalized and comprehensive coverage options than what is available through Citizens
Compares private-market offers that may cost less than comparable coverage from Citizens
Gives customers who receive private-market offers the opportunity to reduce their assessment risks in comparison to Citizens policyholders
To comply with the clearinghouse program required by Florida law, agents should use one of the following to determine if the new-business risk is eligible for coverage with a private market insurer:
A comparative rater
Quotes or declination of coverage received directly from private market carriers
