Florida Statutes Section 627.351 (2026) - Insurance risk apportionment plans, including Citizens Property Insurance Corporation
Published by The Florida Senate (flsenate.gov). Jurisdiction FL.
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Section 627.351(6) describes Citizens Property Insurance Corporation as a government entity that is an integral part of the state, and that is not a private insurance company.
claim fl-stat-627-351#c1Citizens coverage is for applicants who are in good faith entitled to procure insurance through the voluntary market but are unable to do so.
claim fl-stat-627-351#c2A personal lines residential structure with a dwelling replacement cost of $700,000 or more is not eligible for Citizens coverage, except that in counties the office determines lack a reasonable degree of competition a personal lines residential structure with a dwelling replacement cost of less than $1 million remains eligible.
claim fl-stat-627-351#c3A personal lines residential structure in the wind-borne debris region with an insured value of $750,000 or more is not eligible for Citizens coverage unless the structure has opening protections.
claim fl-stat-627-351#c4A structure newly constructed, or rebuilt, repaired, restored, or remodeled, seaward of the coastal construction control line is not eligible for Citizens coverage.
claim fl-stat-627-351#c5Citizens may levy a policyholder surcharge as a uniform percentage of the premium for the policy of up to 15 percent of such premium, and emergency assessments may be levied when surcharges are insufficient.
claim fl-stat-627-351#c6
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