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Citizens Property Insurance:
New Law on Opening Protection Requirements
Frequently Asked Questions
Q: What are Citizens’ new requirements for insuring residential property located in coastal areas?
A: Homes with an insured value of $750,000 located in the wind-borne debris region (WBDR) are now required by law to have Florida Building Code complaint opening protections to be insured by Citizens Insurance.
Q: How do I know if my home is in the WBDR?
A: A map of the Citizens Property Insurance declared WBDR can be found within their website.
Q: Does this apply to condos, multi-family housing units and mobile homes?
A: The law does not apply to mobile homes. The applicability of condos and multi-family housing unit structures is outlined in the chart below:
Dwelling DescriptionType of Insurance CoverageDoes the New Enforcement Apply?Single Family HomePersonal ResidentialYES2 Unit (Duplex)Personal ResidentialYES3 or 4 UnitPersonal ResidentialYES3 or 4 UnitCommercial ResidentialNO5+ UnitsCommercial ResidentialNO