Florida
Citizens non-renewal or cancellation notice — your options in Florida
A Citizens non-renewal or cancellation notice usually comes down to roof age, an unrepaired inspection item, or an eligibility change — not bad luck. Most of these are fixable, and the notice window is enough time to place coverage elsewhere.
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- Roof age or roof condition cited in the notice
- Open 4-point inspection items: wiring, plumbing, HVAC, water heater
- Flood coverage requirement in your flood zone that was not satisfied
- Eligibility change because a private offer came in within the statutory margin
- Prior claims history or unrepaired claim damage
Work the notice in this order
The reason code on the notice tells you which lever to pull:
- Fix and document the cited item, then submit the report — many non-renewals reverse
- If the roof is the issue, get a roof certification showing remaining useful life
- Shop the private market in parallel so you have a bound option before the expiration date
- Never let coverage lapse — a gap raises every future quote and can violate your mortgage
Upload the inspection and let AI read it
Upload your 4-point and wind-mitigation reports during the quote. Our AI fills in roof deck attachment, roof-to-wall connection, roof geometry, and opening protection, which is exactly what unlocks credits and better eligibility after a non-renewal.
Common questions
The notice states your expiration date and Florida requires advance notice, but do not wait — place replacement coverage effective the day your Citizens policy ends.
Almost always yes. Private carriers weigh roof age, inspection condition, and claims history differently, and documentation frequently reopens eligibility.
Related: Florida flood zones · Condo HO-6 insurance · Quotes by city
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