Citizens is forcing 350,000 windstorm customers to re-apply for coverage. If you currently have your windstorm coverage through Citizens you will receive a notice from Citizens that your policy will have to be re-issued upon renewal. This means you will have to complete new applications and have the replacement cost on your home verified. Periodically confirming you are properly covered in the event of a total loss is a good idea anyway. This is also a good time to review your coverage’s and see if you can find coverage with another carrier. Here is Julie Patel's article from today's Sun-Sentinel.
Hurricane Insurance Experts advises all homeowners to use Citizens as only a last resort. Admitted carriers in Florida provide better coverage and generally at better rates. If you are located in the wind pool (generally east of 95 in South Florida) Citizens may be your only option but, research your options thoroughly before you commit.
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Great article. I couldn't agree more with your point about only using Citizens Insurance Florida as an absolute last resort. Here is an article that supports our mutual concern about Citizens Property Insurance Corporation:
Avoid This Accident Waiting to Happen
I was in Citizens Insurance Florida for a long time but used this site to get out for good:
Find, Screen, and Contact Florida Home Insurance Companies
If you have to use Citizens, be glad it is there for you, but if you can avoid them you should.
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