One of the new laws passed by the 2008 Florida Legislature requires homeowners with homes covered for more than $750,000 to have hurricane shutters. All homeowners will be informed by Citizens that they must comply with the new law by July 1, 2009. New policies with an effective date of January 1, 2009 must meet the new requirement. Below is some verbage from the Agency Bulletin issued by Citizens.
Effective January 1, 2009, personal residential structures (written on HO-3, DP-1 or DP-3 forms) located in the “wind-borne debris region” (WBDR) with an insured value of $750,000 or more will not be eligible for coverage with Citizens unless the structure has opening protections (such as storm shutters) that comply with Florida Building Code requirements.
New policies with an effective date beginning January 1, 2009, must meet the new opening protection requirements.
Current policyholders whose policies will expire beginning on July 1, 2009 will be nonrenewed by Citizens until acceptable proof of opening protection compliance is provided.
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