Using Citizens’ Managed Repair Program

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Damage to your home can happen anytime. When it does, you want fast, personal and professional service to protect and restore your most valuable asset.

 

Sudden Water Damage?

Citizens has two programs that may be available to help you on the road to recovery when your home has water damage caused by accidental discharge or an overflow of water or steam from plumbing, heating, air conditioning, automatic fire-protective sprinkler systems or household appliances. Depending on the situation, you may be eligible to take advantage of one or both programs. Your Citizens representative will be here to answer your questions and guide you through the process, from start to finish. Note: Examples that are provided do not guarantee coverage for situations that are described.

 

Citizens’ Managed Repair Program

The Citizens Managed Repair Program offers services to qualified customers to return their home to its pre-loss condition if their property has suffered damage due to water not related to weather.

 

Free Emergency Water Removal Services Program

Swift action to protect your home from further damage is crucial following a water loss. Citizens offers free water removal and drying services following eligible water losses. Emergency Water Removal Services provide water remediation to protect a policyholder’s home from further damage from a water loss not caused by weather. Contact Citizens First to report your claim and take any necessary steps to stop an active leak. We quickly determine whether this valuable service is available for your loss, and if you participate in this program, your policy deductible does not apply for this completely free service.

 

Managed Repair Contractor Network Program

Contractor Connection has a network of approved contractors who can handle permanent repairs for covered damage to your home. You work with local contractors who are vetted, licensed and insured. Any approved work is guaranteed with a workmanship warranty by the approved contractor for five years once all repairs are complete. Your policy deductible applies for the covered permanent repairs.

 

Steps to Filing a Water Damage Claim with Citizens

  1. First Notice of Loss

You notice water on the floor in front of the refrigerator due to a broken water line in the wall. After shutting off the water to stop the active leak, you Contact Citizens First to report your claim either by submitting it via myPolicy on Citizens’ website or by calling Citizens. The free emergency water removal services program information will be provided during the process.

If you choose to participate in the program, Citizens immediately contacts the mitigation vendor to request service. Within one hour of reporting your claim, the mitigation contractor contacts you to arrange dry-out services. If you choose not to participate in the program and use your own mitigation contractor, your claim is subject to a $3,000 limit for water mitigation services, less any applicable deductible.

 

  1. Emergency Water Removal Services

After calling to report your claim and accepting our offer of free water removal services, your mitigation contractor will schedule a time with you to arrive on-site to begin dry-out services. The dry-out process may take several days depending on the severity of damage. If you have accepted our offer to use this service and it is subsequently determined that the loss is not covered, you are not responsible for payment of the mitigation services.

If you have not reported your claim to Citizens already, do so immediately to ensure that you comply with policy requirements. Citizens will arrange to have an adjuster come out and inspect the damage to determine the cause of loss.

Using your own mitigation contractor? Coverage for reasonable emergency measures taken in response to a covered water loss is limited to a maximum of $3,000, less any applicable deductible.

 

  1. Inspection

After the dry-out is complete, a Citizens adjuster will inspect your property and determine the cause of loss. In this example, your loss is covered and the adjuster writes a repair estimate for permanent repairs. The estimate for repairs will be reviewed with you before work begins.

Even if you used your own mitigation contractor, your policy requires you to notify Citizens of the loss and allow a Citizens adjuster to inspect your property before repairs begin to determine the cause of loss and extent of covered damage. Your claim for water mitigation for a covered loss is limited to $3,000 after any applicable deductible. The amount paid for mitigation, up to $3,000, also reduces the amount of money available within the total $10,000 limit for the water loss. Should your loss not be covered and you have used your own mitigation contractor, your costs are not reimbursed.

 

  1. Managed Repair Contractor Network

While discussing the estimate for repairs, your Citizens adjuster lets you know about the Managed Repair Contractor Network Program. Having repairs made through the Contractor Connection network connects you with local contractors who provide a five-year workmanship warranty on covered repairs. If you choose to participate in the program, you must sign a repair contract with a local Contractor Connection contractor and pay them your policy deductible.

Even if you used your own mitigation contractor, you may be eligible for repairs through the contractor network. Ask your adjuster for details.

If you choose not to participate in the Managed Repair Contractor Network Program and hire your own contractor, your claim is subject to a $10,000 limit for permanent repairs, which includes any amount paid by Citizens for reasonable emergency measures if you also declined Citizens’ offer of free emergency water removal services.

 

  1. During Repairs

As work begins on the repairs, your adjuster will reach out to you to monitor progress and answer any questions you might have. They will work with you to set up a regular update call to ensure all repairs are progressing and meeting your expectations.

 

  1. Completion and Satisfaction

Once repairs are complete, you should ask your contractor to walk through everything with you to make sure everything has been completed to your satisfaction. Your contractor will ask you to sign a Certificate of Satisfaction. The contractor also should provide you information about the warranty for covered permanent repairs as well as contact information.

Once the contractor submits the signed Certificate of Satisfaction, we will issue a check payable to you and your contractor. You will receive a closing letter from Citizens in the mail to confirm the final process.

 

  1. Final Survey

Citizens will reach out after the entire process is complete to gather feedback and answer any questions you might have.

 

Need to report a claim?

Contact Citizens First

 

Report it online via myPolicy at www.citizensfla.com/mypolicy 24 hours a day, seven days a week  or call (866) 411-2742!

 

Original source: Citizens Property Insurance Corporation

 

 

 

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Florida Association of Insurance Agents Convention

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Last week, representatives from Florida Insurance Agency attended the Florida Association of Insurance Agents (FAIA) Annual Convention in Orlando. This premier industry event brought together agents, carriers, and service providers from across the state to collaborate, share knowledge, and explore the latest developments in insurance.

Our team engaged in valuable educational sessions, connected with key industry partners, and explored innovative tools and technologies designed to enhance client service and operational efficiency.

These insights further strengthen our commitment to delivering informed, personalized, and dependable insurance solutions to our clients across Florida.

We remain focused on staying at the forefront of industry trends so we can continue providing the high standard of service you expect from us.

Thank you for choosing Florida Insurance Agency — where Our Policy Is Great Service.

Sincerely,
The Florida Insurance Agency Team

 

 

Exciting News From Centauri Insurance!

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> March 22, 2021
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> Demotech Affirms the Financial Stability Rating
> Assigned to Centauri Insurance
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> The Financial Stability Ratings® (FSRs) of A, Exceptional, assigned to Centauri Specialty Insurance Company and Centauri National Insurance Company have been affirmed by Demotech, Inc. This level of FSR is assigned to insurers who possess exceptional financial stability related to maintaining positive surplus as regards policyholders, liquidity of invested assets, an acceptable level of financial leverage, reasonable loss and loss adjustment expense reserves (L&LAE), and realistic pricing.
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> Demotech noted Centauri Insurance’s recent acquisition by Applied Underwriters has “replenished their balance sheets to provide the capacity to weather the impact of past natural disasters on inception to date operating results, respond to issues that may have arisen related to loss and LAE reserve development, and sustain the staying power of execution of business models so as to avail themselves of the future revenue benefit associated with rate revisions that are approved and in place. The acquirers will also supply managerial acumen to sustain business models focused on future profitability.” Demotech also stated “we believe they have ameliorated the impact of the operating results reported at year-end 2020 on their balance sheets, are positioned to record and report markedly improved operating results in 2021 that meet or exceed the financial metrics that Demotech deems consistent with carriers assigned an FSR at the A, Exceptional, level as well as successfully address other phases of our annual review process.”
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> FSRs summarize Demotech’s opinion of the financial stability of an insurer regardless of general economic conditions or the phase of the underwriting cycle. FSRs utilize statutory financial data based on insurance accounting principles prescribed or permitted by the National Association of Insurance Commissioners (NAIC). Since 1989, FSRs of A or better have been accepted by the major participants in the secondary mortgage marketplace.
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> Thank you for your continued partnership and business.
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> Sincerely,
> Centauri Insurance
>

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> Copyright © 2021 CENTAURI SPECIALTY INSURANCE COMPANY, All rights reserved. Insurance products are underwritten by Centauri Specialty Insurance Company and Centauri National Insurance Company. Insurance coverage is subject to underwriting review and approval. Products may not be available in all states.
>

What to do during a hurricane event

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Now that you are completely prepared for a storm, it’s time to explain what actions to take when you receive a hurricane watch or warning alert from the National Weather Service for your local area. It also provides tips on what to do before, during, and after a hurricane.

First, it’s important to know the difference between a watch and a warning (click here for Hurricanes 101).
Hurricane watch = conditions POSSIBLE within the next 48 hrs.

Steps to take:

It’s time to review your evacuation route(s) & listen to local officials by monitoring local radio or television stations.
Then review the items in your disaster supply kit and add items to meet the household needs of children, parents, individuals with disabilities or other access and functional needs or pets.
Hurricane warning = conditions are EXPECTED within 36 hrs.

Steps to take:

Follow evacuation orders from local officials.
Check-in with family and friends by texting or using social media. Communication is KEY in alerting others of your plans and making sure you are safe.
Follow your hurricane timeline preparedness checklist below, depending on when the storm is anticipated to hit and the impact that is projected for your location.

Credit @Gulfstream Insurance

FedNat Hurricane Season Newsletter

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> Are you prepared for Hurricane Season?
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> Hurricane season is quickly approaching, and FedNat encourages our family of insureds to always stay alert and be prepared. Be sure to visit the Storm Readiness section of our Claims Center on the FedNat.com web page. Here you will find helpful tips and tools to ensure that you and your family remain safe during a Storm and the Hurricane Season.
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> Storm Readiness Resources
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> Now is a great time to sign up for online access and save money. Once you sign up, you will have access to view your policy, documents and claim information. Don’t forget to enroll in paperless, so you can save $10 on your policy renewal!
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> Additionally, this is always a good time of year to contact your agent and review your policy coverages to make sure that you and your home are adequately protected. Also, it is important to ensure we have your proper e-mail, phone numbers and mortgagee listed on your policy to eliminate any unnecessary delays in the event of a claim.
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> Register And Sign Up For Paperless
> Recently, we began utilizing technology that can help us process claims quicker and enables us to perform virtual inspections* should a storm hit during the Covid-19 Pandemic. In the event of a loss, FedNat has a devoted team of experienced field adjusters and emergency response partners that are ready to assist you as soon as possible. If you happen to sustain damage, you can reach us 24/7 on our First Report Line at (800) 293-2532 or report a claim online at FedNat.com.
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> *Some losses and mitigation services will require in-person inspections.
> Report A Claim
> Protecting you from the unexpected since 1992.
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> FedNat
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> PO Box 407193, Ft. Lauderdale, FL 33340-7193
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> Unsubscribe – Unsubscribe Preferences
>

Home Safe Home

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Home Safe Home
March 20, 2020 | Tower Hill Insurance

Home Learning Center Home Safe Home

It’s the time of year again for spring cleaning! As you develop your plan of attack for cleaning indoors and out, be sure to add “safety” to the top of your checklist and consider how to poison proof these key areas of your home.
Be sure to keep cleansers out of reach of your children and pets; oven cleaners and drain openers are especially toxic. Often brightly colored or scented, children can mistake bottled cleaners for fruit drinks. Over-the-counter and prescription medications should also be secured and out of reach. Poisoning from common household chemicals and medications can be deadly, yet it is one of the easiest to prevent.

UTILITY ROOM: Increasingly popular because of their convenience, laundry detergent packets can be dangerous and should be kept out of the reach of children. Last year, more than 6,000 children were poisoned by exposure to these packets that contain highly concentrated detergent. Symptoms range from excessive vomiting to gasping for air and needing a ventilator to breathe. The colorful packets may look like candy to kids, but they can be deadly. Just in case the unthinkable happens, be sure to have the Poison Control Center’s phone number — 800.222.1222 — saved in your contacts list.
GARAGE & GARDEN: Hazardous items such as gasoline, paint, bug spray, antifreeze, and pesticides should be out of the reach of both children and pets. Garden equipment and other tools should be stored safely out of the way to help prevent injuries. Consider investing in a storage system for your garage or garden shed to organize items and tools before they become a danger zone. Check out these helpful tips for how to find and eliminate the hidden dangers in your garage.

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