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Citizens Insurance of Florida Removing Valuable Coverage From Policies

Starting January 1st, 2012 for all new business and renewals, Citizens Insurance Company of Florida is removing coverage for all policy holders. In what many insiders see as a “first round” of coverage reduction, any structure attached or detached on the insured premises with different non-roof like material similar to that of the primary dwelling is being removed. This means screen pool enclosures or lanais, pergola’s, enclosed porches made of tin or other similar roofing will have zero coverage from any peril.

Because of the economy, both legislators and executive branch leaders have been reluctent to pass any measure that would directly raise the rates of Citizens. However, this backdoor method of stripping coverage may start the ball rolling for again making Citizens the insurance company of last resort.

The official memo sent to agents Nov. 3rd, 2011 said the following:

The following changes apply to personal residential renewal policies with effective dates on or after:

  1. Personal residential multiperil (PR-M): January 1, 2012
  2. Personal residential wind-only (PR-W): February 1, 2012

Citizens no longer will provide Coverage A or B for the following structures whether attached to the dwelling or not:

  • Screened enclosures that are aluminum framed or not covered by the same or substantially the same materials as that of the primary dwelling
  • Carports that are aluminum or not covered by the same or substantially the same materials as that of the primary dwelling
  • Patios that have a roof covering not constructed of the same or substantially the same materials as that of the primary dwelling
  • Awnings
  • Structures with a roof or wall covering that are thatch, lattice, slats or a similar material
  • Slat houses, chickees, tiki huts, gazebos, cabanas, canopies, pergolas or similar structures constructed to be open to the weather

Any of the above structures that currently are scheduled under Coverage B – Other Structures will have their increased limits and coverage amounts removed at renewal.

If you are with Citizens Insurance and would like a quote with a private market carrier who will be there for you when you need them, please call me at 1-877-277-2715 or email me at [email protected] for a no-obligation quote. We look forward to serving your insurance needs.

Joshua Butts | Founder/Agent at Cornerstone Insurance, Inc.

Silvino G.
Silvino G.
I am very grateful and pleased with the level of service and care Mr. James Bonn took with finding a provider for me. He took time to explain the process and answered any questions I had. I will be sending referrals to him of my friends and family so they too can have an excellent experience.
Kelly W.
Kelly W.
I can’t say enough good things about the company, the response time and my agent, James Bonn. It was truly a grade A+ experience. The responsiveness, the attention to detail, as well as being thorough, went above and beyond my expectations. If you need an agent, absolutely reach out to James he was great. He made it so easy!
Linda P.
Linda P.
Josh Gleaton was very pleasant and helpful assisting me with all the steps needed to complete this insurance policy, overcoming a complication for me.
Zafer U.
Zafer U.
I recently had the pleasure of working with Kyle Wilson, a licensed agent at Cornerstone Insurance Inc., and I can't recommend him highly enough. From the moment we reached out, Kyle was incredibly responsive, answering our emails promptly and ensuring that all our queries were addressed efficiently.Not only did Kyle find us the best rates, but he also facilitated seamless communication between all parties involved. His expertise and guidance were instrumental in helping us navigate through the complexities of home, flood, and auto insurance, steering us in the right direction every step of the way.Kyle's thorough understanding of the insurance landscape and his commitment to his clients' needs were evident throughout our interactions. He went above and beyond to ensure we received comprehensive coverage that was perfectly tailored to our needs.For anyone in need of insurance assistance, Kyle Wilson at Cornerstone Insurance Inc. is your go-to professional. His exemplary service, coupled with his dedication to finding the best solutions for his clients, makes him an outstanding agent. We are immensely grateful for his help and would urge anyone looking for insurance to consider Kyle.Thank you, Kyle, for making what could have been a daunting process, smooth and straightforward. Your professionalism and kindness have not gone unnoticed.
Dee
Dee
James Bonn offered an excellent service!He went above and beyond to help us get a quality coverage after our original policy had expired and we had a lapse in coverage, but he managed to get us back insured!Thank you James, you are amazing!
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