Citizens Flood Rules: How Will They Impact Policyholders?

Due to the severity of the flooding that took place during Hurricane Ian in the last week of September 2022, FEMA was overloaded with requests from those whose homes flooded but did not at that time carry adequate flood insurance.  Some of those whose homes were flooded did not have any flood insurance coverage.  The Florida Legislature paired with Citizens Property Insurance Corporation to introduce new rules for all properties in flood zones A, AH, AE, VE, and others which also carry property insurance in Florida’s state-backed insurer. 

What this means for you is that if your home is in one of these flood zones, and you are a Citizens policyholder, Citizens will require you to carry limits on dwelling and contents on your flood policy that match the dwelling and contents on your Citizens policy or FEMA max dwelling and contents coverage of $250,000 and $100,000 respectively. 

Currently, Citizens is pre-emptively setting policies up for non-renewal from whom they have not yet received the proof of flood coverage that meets these requirements as well as a signed 2023 Flood Affirmation.  Both documents will need to be submitted to your agent no later than 10 days prior to the scheduled non-renewal of your property insurance policy.  As well, the effective date of your flood policy will need to begin prior to the non-renewal date/expiration date of your current property policy. 

Please see attached a copy of Citizens 2023 Flood Affirmation, which must be signed by both the insured and your appointed agent, as well as show your Citizens property policy number. 

Abora Insurance strives to take the guesswork out of insurance so that you can rest assured that your coverage meets your needs as well as the underwriting guidelines of the carriers we do business with. Please don’t hesitate to reach out to us with any questions you may have about your policies.  

We have two physical offices: 217 Bellagio Circle, Sanford, FL 32271/ 800-494-1333                                                            

11275 US-98 #7 Miramar Beach, FL 32550/850-424-6979

Policyholder Affirmation Regarding Flood Insurance

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