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Depopulation Program
If you’re a Florida homeowner who has been insured by Citizens Property Insurance Company (Citizens), you may have heard about the Citizens Depopulation Program—but you’re probably wondering what it means for you. We’re here to help you understand everything you need to know about the program and how to navigate your options moving forward.
What is the Citizens Depopulation Program?
Florida legislators and Citizens established the depopulation program to reduce the number of policies under Citizens by transitioning homeowners to private insurers like American Integrity.
Why? Citizens was created to be the property insurance company of “last resort” for Florida homeowners. However, due to capacity and affordability issues caused by frivolous litigation and roof claim abuse the past few years, Citizens has become the market leader in our state. Thanks to recent litigation reform, the market is beginning to stabilize, allowing Citizens customers to return to the private property insurance market.
Here’s how it works:
Notification
If your policy is selected, you’ll receive an offer from a private insurer like American Integrity.
Review
Take your time to compare the new policy with your current one. Our team is just a phone call away to answer any questions you might have about your coverage options.
Choose
Decide whether to accept the new offer or remain with Citizens. But keep in mind that if a private insurer offers coverage that is within 20% of your renewal premium, you will no longer be eligible to stay with Citizens after your policy expires.
Why Accept American Integrity’s Offer?
Choosing American Integrity Insurance means gaining access to comprehensive coverage options tailored to your needs and an extraordinary customer service experience.
With local experts who understand the unique risks Floridians face, we’re deeply committed to delivering the support and guidance you need. Plus – you can count on our robust financial backing and long-term stability to protect what matters most to you.
Learn more about American IntegrityFAQs
If you have a mortgage, we’ll notify your lender and provide all the required information, and you’ll receive your new American Integrity policy documents upon renewal.
The assumption date is the day American Integrity takes responsibility for managing any losses affecting your insured property. Until you receive a policy renewal from American Integrity, you should contact Citizens or your agent for policy changes and payments.
Until your Citizens policy expires, you’ll continue to pay the same way you’ve been paying. Before your renewal date, you will receive instructions for renewing your American Integrity policy. If your mortgage company pays your insurance premium, we’ll send them an invoice.
It depends. If your Citizens policy has not expired yet, Citizens will still handle your claim. You can contact them at (866) 411-2742 to file a claim. If your Citizens policy has expired and you’ve already received your new American Integrity Policy, you can file a claim by calling our 24/7 claims line at 1 (866) 277-9871.
Yes! Your agent will be able to service your policy with American Integrity.
We’re proud to have nearly 80% customer satisfaction with the speed and resolution of our claims! Our dedicated team works tirelessly to process claims quickly and help our customers get on the road to recovery as soon as possible. Since 2007, we’ve been here to support our customers through every storm.
With our robust reinsurance program, and our Policyholder Surplus of $100M+, our company is safe, solvent, and secure. We consistently earn an “A” (Exceptional) Financial Stability Rating® from Demotech, Inc., helping to reassure customers of American Integrity’s long-term stability and commitment to our customers.
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