Citizens Property Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Citizens is Florida’s residual-market property insurer and writes new business only when coverage is unavailable from a Florida-authorized insurer or when comparable private-market premium is more than 20% higher than Citizens. Business must be placed through appointed Citizens agents. For homeowners/personal lines, target risks are Florida residential properties that meet Citizens eligibility rules and inspection standards. Key restrictions include condition issues and older homes/roofs that do not document acceptable remaining life: all property owner, dwelling and mobile home applications for properties over 20 years old require a four-point inspection, and roofs older than 25 years for soft roofs or 50 years for hard roofs require documentation showing at least 5 years of remaining useful life; if less than 5 years remain, proof of full roof replacement is required before coverage is written. Serious hazards such as exposed wiring, active leaks, or evidence of leaks should be repaired before submission. Citizens may also order exterior-only or interior/exterior underwriting field surveys at no cost and may require correction of hazards or deficiencies. Optional sinkhole coverage can require inspection review and should be requested early because it cannot be added after policy inception. For commercial property, Citizens focuses on risks meeting minimum property-condition and eligibility standards; risks with poor housekeeping, substandard condition, extra-hazardous adjoining exposures, condemnation, vacancy, excessive exterior debris, or unrepaired damage are problem risks and may be ineligible or require additional underwriting review. Commercial underwriting uses appraisals/valuation reports, submitted photos, roof and electrical inspection forms, wind mitigation forms, prior declarations, and third-party data, and field inspections are ordered after approval for issuance. Submission requirements are operationally important: for all Commercial Residential (CR-W/CR-M) and Commercial Nonresidential Wind (CNR-W) policies, valuation reports/appraisals must be completed within 12 months of the desired effective date by a licensed appraiser or other qualified professional. Citizens also reminds agents about Loss Cost Quote requirements and use of CSP code tables for commercial nonresidential submissions. Geographic/document triggers are notable: for new business and adding buildings, older Miami-Dade and Broward commercial buildings historically required Building Safety/40-10 Recertification reports; effective January 1, 2025, condominium and cooperative association buildings in any Florida county that are 3 or more stories, have more than 3 units, and are at least 30 years old require the most current Building Safety or Milestone inspection report completed by a Florida-registered engineer or architect, with repeat inspection every 10 years. Commercial roof-age guidance was updated effective August 1, 2024: a one-time remaining useful life exception beyond stated roof-age limits may be granted only if underwriting receives and approves acceptable roof-condition documentation, such as the Citizens Commercial Roof Condition Inspection Form or equivalent from a Florida-licensed roofing or general contractor, establishing acceptable remaining life. Broker/producer notes: only appointed agents may submit; agents must upload all required documents in PolicyCenter before requesting approval; Citizens directs agents to current underwriting manuals, FAQs, required-document guides, and training/job aids because bulletin content is historical and the manuals control.