Clarification of New Proof-of-Eligibility
Requirements for Personal Lines
IE #006-12 – May 01, 2012
Agent Technical Bulletin #010-12: New Proof of Eligibility Requirements for Personal
Lines Applications announced submission requirements for proof-of-eligibility
documents, which will be effective May 1, 2012. This email provides additional
clarification regarding these requirements.
An applicant does not meet eligibility requirements under the no-offer-of-coverage or
15-percent rules if an agent is aware of any private-market offer of coverage that is
less than 15 percent more than coverage with Citizens. Either a document which
shows that there is no-offer-of-coverage or a document which shows a comparison
quote must be submitted for Underwriting review. The ATB referenced above
provides instructions on how to qualify under the 15-percent rule.
Additional Acceptable No-Offer-of-Coverage Documentation
Acceptable documentation may include:
A letter of declination from a private-market carrier
A screen-print of a declined quote from a private-market carrier
A screen-print showing that the company does not write policies for the
property location
A screen-print showing that the company does not write coverage for the
specific policy form, coverage limits or property age
Documentation must include:
The company name
The property’s zip code, at a minimum
The declination reason (e.g., loss history, territory closed, etc.)
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Agents and Customer Service Representatives may submit underwriting questions via the Contact Us
option on our website. You should receive a response within three business days.
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Citizens Property Insurance Corporation
www.citizensfla.com