Agent Guide to the FMAP Data Program
Contents
This document contains the following sections:
Section
Background Information
Overview
Goals
Programs
Definitions
Technical Requirements
Data Reports
Overview
Contents of Data Reports
Policy Types Provided in Data Reports
Volume of Policy Data Provided in Data Reports
Requesting the Data Reports
Guidelines for Using the Data
Agent Consequences for Non-Compliance
Reminder Regarding Insured Consent
Direct Referral Program
Contact Information
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Background Information
Overview
The Florida Market Assistance Plan (FMAP) was established in 1985 after the
Florida legislature called for an organization to assist consumers in obtaining
property and casualty insurance coverage from authorized insurers in the
private market (F.S. 627.3515).
Goals
FMAP has three main goals
Goals
 Assist consumers in need of insurance coverage.
 Keep risks eligible for coverage in the private market out
of Citizens.
 Transition eligible Citizens policies into the private
market in Florida.
Programs
There are two main programs in FMAP that work to meet these goals.
Program
Description
Online Referral
The web-based program (www.fmap.org) matches
Program
consumers seeking property insurance with licensed
agents and insurers offering coverage in Florida.
Data Program
Licensed Florida agents may request Citizens policy
data reports from Citizens Property Insurance
Corporation.
Note: For consumers who call FMAP requesting assistance with nontraditional property, commercial, or liability coverage needs, we also offer a
Direct Referral Program. The Consumer helpline number is 8200.524.9023.
All of FMAP’s services are free to consumers and agents.
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Background Information, Continued
Definitions
The following definitions are provided for this Agent Guide.
Term
Definition
Authorized Insurer A licensed insurance company in Florida with a
Certificate of Authority; not a surplus lines company.
CLA
Citizens’ Commercial Lines Account
CPIC
Citizens Property Insurance Corporation. CPIC is an
Authorized Insurer, but as a government entity, it is
not considered a Private Insurer.
DFS
Department of Financial Services
Coastal
Citizens’ Coastal Account (previously the HRA
Account)
Marketing Results An Excel document agents use to track their
Spreadsheet
marketing efforts of policy leads from the Data
Program.
OIR
Office of Insurance Regulation
PDCA
Policy Data Confidentiality Agreement
PLA
Citizens’ Personal Lines Account
Policyholder
This letter is included with the Data Reports. You can
Sample Letter
use it as a template when creating your solicitation.
Private Insurer
An Authorized Insurer other than Citizens Property
Insurance Corporation (CPIC).
Private Market
The pool of Private Insurers.
Technical
Requirements
You should have internet access and a working knowledge of Microsoft Excel
in order to retrieve the data and properly follow the FMAP guidelines.
The FMAP Data Reports are provided via mail through a link on Serv-U, which
you are able to access through the internet. The Data Report email
notification will provide you with the link and password for the file.
The actual data files are in Excel format. You can open the data in several
different ways:
Option Step
1.
Save the data as an .xls file (Excel 97-2003)
2.
Sava the data as an .xlsx file (Excel 2007)
3.
Import the Excel file into access
Note: The Marketing Results spreadsheet is in Excel format and must be
returned in the same format.
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Data Reports
Overview
The Citizens Policy Data Reports allow agents to review Citizens' book of
business and make offers of coverage to policyholders who can be placed
with authorized insurers in the private market.
Contents of
Data Reports
Each Data Report contains the following:
 The data files in Excel format
 A Data Description in Excel describing what the various data elements
mean
 A Marketing Results template in Excel which must be completed and
returned
 A Policyholder Sample Letter in Word which you can use as a template
for you solicitation.
Note: Each Data Report is zipped with a unique password that is provided in the
email notification.
Policy Types
provided in
Data Reports
There are several different Data Reports, divided by account and line of
business: PLA Personal Residential; CLA Commercial Multiperil; Coastal
Personal Residential; Coastal Commercial.
Policy Type
Description
PLA – Personal
 Personal Residential Multiperil policies
Residential
with wind coverage for risks located
outside of the Wind Eligible Area
 Personal Residential Multiperil without
wind coverage for risks located inside or
outside of the Wind Eligible Area
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Data Reports, Continued
Policy Types
provided in
Data Reports,
continued
Volume of
Policy Data
Provided in
Data Reports
Policy Type
CLA – Commercial
Multiperil
Description
 Commercial Residential Multiperil policies
with wind coverage for risks located
outside of the Wind Eligible Area
 Commercial Residential Multiperil policies
without wind coverage inside or outside of
the Wind Eligible Area
 Commercial Non-residential Multiperil
policies with wind coverage for risks
located outside of the Wind Eligible Area
Coastal – Personal
 Personal Residential Multiperil policies
Residential
with wind coverage for risks located in the
Wind Eligible Area
Coastal – Commercial
 Commercial Residential policies with wind
coverage for risks located in the Wind
Eligible Area
 Commercial Non-Residential policies with
wind coverage for risks located in the Wind
Eligible Area
If you were to receive data today and it included policies renewing
tomorrow, you would not be able to extend an offer of coverage to the
insured in time to write the policy before the old one expired. The amount of
time it takes to write a new policy depends on several factors, and is usually
longer for commercial than personal residential.
To account for this lead time, we have built in a “blackout period” for each
Data Report. Policies renewing within the blackout period are not included in
the data.
To ensure that you receive enough data to be useful, but not so much that it
is overwhelming to handle in Excel, we truncate each Data Report and
include only those policies renewing within the next few months, which we
call “renewal months.”
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Data Reports, Continued
Volume of
The following identifies the blackout period and renewal months for each
Policy Data
of the Data Reports:
Provided in Data
Data Report Name
2 month blackout
4 month blackout
Reports,
period / 6 renewal
period / 5 renewal
continued
months
months
PLA Personal Residential
X
CLA Commercial Multiperil
X
Coastal Personal
X
Coastal Commercial
X
Note: Once you submit your successful Marketing Results for a specific
Data Report, you may request new data.
Requesting Data
Reports
When requesting a Data Report, you must complete the Policy Data
Confidentiality Agreement (PDCA) and email it to FMAP. We suggest that
you type the information onto the form, but you may complete it by hand if
the writing is clearly legible.
If you have requested a Data Report in the past, and you have not yet
submitted your Marketing Results, the spreadsheet must be included with
your PDCA. You must include all policies you have written out of CPIC and
into the private market. To be eligible to receive subsequent data, you
must provide Marketing Results.
Guidelines for
Using the Data
The Data Reports are provided to agents for the purpose of transitioning
CPIC policies into the private market.
Guideline
Description
Agent
The FMAP unit will review your PDCA to confirm you
Eligibility
have an agent’s license (General Lines Agents License,
220) in Florida and that you are appointed with at least
one private authorized insurer that writes policies in the
same line of business for which you requested data. This
authorization is based off of your information alone.
Therefore, you are NOT allowed to share the contents of
the Data Report with any other agent, except those in
your own agency.
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Data Reports, Continued
Guidelines for
Using the Data,
continued
Guideline
Company
Eligibility
Soliciting
Insureds
Description
You may only offer coverage with the following:
 Private companies with a Certificate of Authority
in Florida;
 Companies with which you have a direct
appointment, as recorded with DFS.
You may NOT offer coverage with the following:
 Citizens Property Insurance Corporation (CPIC);
 Surplus lines companies, as determined by DFS.
You may use the insured contact information to prepare
solicitations via email, phone, or traditional mail.
Insureds agree to participate in the FMAP Data Program
as part of the application process for obtaining a policy
with CPIC. Therefore, insureds cannot opt out of the
Data Program, and you are not required to scrub the
Data Report against the national Do Not Call registry.
Preparing
Offers of
Coverage
The Data Report will include a Policyholder Sample
Letter, which we encourage you to use when drafting
your solicitation. You may also forward your draft letter
to FMAP for review before releasing it to ensure you are
in compliance with requirements set forth in the PDCA.
Your solicitation should include an offer of coverage
based on the information provided in the Data Report.
However, FMAP does not guarantee the accuracy or
completeness of the Data Report.
You should use the Data Report as a guide in preparing
your solicitations, but you are ultimately responsible for
confirming the information with the insured. Other
resources, such as physical inspections, searches of the
property appraiser databases, claim history checks, etc.,
should all be processed as usual and in accordance with
the guidelines of the company offering coverage.
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Data Reports, Continued
Agent
Consequences
for NonCompliance
Agents are required to follow the guidelines set forth in the PDCA, many of
which are discussed in this Agent Guide. If the FMAP unit learns of an issue
of non-compliance, action may be taken up to and including the following:
Guidelines




Permanent removal of the agent from the FMAP
Data Program
Revocation of the agent’s online account with
the FMAP Referral Program, if such an account
has been created
Revocation of the agent’s appointment with
Citizens, if such an appointment exists
Notification of the issue to DFS.
Note: You are responsible for what happens with the
policy leads you receive through the FMAP Data
Program, including actions taken by your staff on your
behalf.
Reminder
Regarding
Insured Consent
The Citizens new business application notifies insureds that their
information can be included in the FMAP Data Program. Insureds agree to
this participation by signing the application.
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Direct Referral Program
Overview
For consumers who call FMAP requesting assistance with non-traditional
property, commercial, or liability coverage needs, we offer a Direct Referral
Program. Through this program, agents can notify the FMAP unit if they are
able to write coverage for these types of risks. The information is then
retained in a database that our FMAP customer care representatives can
reference and provide to consumers who call requesting assistance.
In this program, consumers are given the name and contact information for
up to three agents who have indicated they are able to write coverage for
the consumer’s risk.
To participate in the Direct Referral Program, complete the Agent Referral
Questionnaire document on the FMAP website.
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Contact information
Agent Resources
All questions from agents regarding FMAP’s programs should be directed
to FMAP:



Website: www.fmap.org
Email: [email protected]
Phone: 850.513.3910
If you have questions regarding your license status or appointments with
companies, contact the Division of Insurance Agent & Agency Services,
Department of Financial Services (DFS):

Website: http://www.myfloridacfo.com/Division/Agents/
To determine if an insurance company is authorized in Florida (has a
Certificate of Authority) or if it is a surplus lines company, contact the
Florida Office of Insurance Regulation (OIR):

Website: www.floir.com/
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