Recent News

Commercial Lines Bulletin

Coastal Construction Control Line and Coastal Barrier Resources System Zones

heinäkuuta 13, 2015 - ATB #005-15

Due to recent changes in Florida law, there are new eligibility rules for certain structures located seaward of the state-designated Coastal Construction Control Line (CCCL) and those within the federally designated Coastal Barrier Resources System (CBRS). These geographical zones were developed to provide protection for Florida’s coastline while ensuring reasonable use of private property.

New Eligibility Rules

Effective immediately, any major structure (for example, homes, apartments, condos, commercial or public buildings*) for which a permit is applied after July 1, 2015, and that is seaward of the CCCL or within the CBRS, may be deemed ineligible for coverage if it is one of the following:

  • Newly constructed
  • Rebuilt, repaired, restored or remodeled to increase the total square footage of the finished area by more than 25 percent 
* For a full definition of “major structure,” refer to Florida Statute 161.54(6)(a) and our underwriting manuals. 
This rule is applicable to all new and renewal business for all policy types except personal lines tenant contents and commercial lines business personal property policies.
PolicyCenter® updates are under development and will be in place later this year. A separate communication detailing those changes will be sent prior to the implementation of the updates.
While this new legislation is effective immediately, it references permits applied for after July 1, 2015.  We do not expect any impact to personal lines risks prior to PolicyCenter updates. There may be an impact to commercial Builders Risks prior to our updates, but we expect the number of instances to be low. 
Until system changes are implemented, if you feel that the new law may apply to a risk, contact Underwriting at 888.685.1555 to determine eligibility. 
At this time, there are no changes to the application submission process.


  • Citizens underwriting manuals will be updated with CCCL/CBRS information. 
  • CCCL/CBRS boundaries are subject to change by the administering authorities.

ePAS and PolicyCenter® currently display the following fields:

  • Coastal Construction Control Line 
  • Coastal Barrier Resources System

Regarding PolicyCenter:

  • The Coastal Construction Information section appears on the Location Information screen for commercial lines and the Property Address Info screen for personal lines.
For general information about CCCL and CBRS, see the Florida Department of Environmental Protection’s MapDirect and the U.S. Fish and Wildlife Service’s Coastal Barrier Resources System map.

Agent Bulletins are provided for historical purposes only and 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, then selecting Search → Search Frequently Asked Questions