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Catastrophe Central, Discuss, Share, Learn

Citizens Policies
Last Post 08/15/2008 3:24 AM by rhida. 20 Replies.
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Author Messages
MBoy
Member
Member
Posts:57


--
04/22/2008 4:40 PM

    Does anyone have copies of the current insurance policies offered by Citizens Insurance in Florida?  A search of their website did not reveal PDF copies of the policies.  I know in 2004 & 2005, I was able to download the policies.  It seems strange they want to keep the policies away from the public.

     

    MB

    admin
    Site Administrator
    Member
    Member
    Posts:20


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    04/22/2008 6:19 PM

    On the CADO Policy Support page we provide a pdf of the CIT DW2 7/02, BTW the link to pdf is also provided and it's comes from their site.

    CADO Support
    Contact Form
    About CatAdjuster.org
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    KLS
    Member
    Member
    Posts:43


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    04/22/2008 11:12 PM

    This link should get you to the correct page on the Citizens web site.  The forms are readily available, you just need to know where to look.  You can also view historical policies that are no longer in use.

    https://www.citizensfla.com/adjuster/uf_pla_coverage.cfm

    KLS

    MBoy
    Member
    Member
    Posts:57


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    04/23/2008 4:28 PM

    Kim,

     

    Thanks for the link, but you must have an ePas account to access the policies from that page.  Citizens has revised several of their policies, which is why I am interested in reading them.  I can find summaries of coverage, but as any good adjuster knows the true power is in the word written in the policy.

     

    MB

    KLS
    Member
    Member
    Posts:43


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    04/27/2008 11:44 PM

    Sorry, they locked it out after I uploaded the reply/link.  When I was originally looked none of the tabs were locked.  Now all but two are locked.

    KLS

    KLS
    Member
    Member
    Posts:43


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    04/28/2008 12:07 AM

    OK, lets try it another way.  Go to the main page

    https://www.citizensfla.com

    click on Adjuster Resources tab top right

    Look over to the right column and click on Underwriting forms.

    The tabs still show locked but you can view the contents.

    If you get a request for a pass code when leaving the main page type citizens in both.  This won’t work for a CTS log-in though.

    KLS

    MBoy
    Member
    Member
    Posts:57


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    04/28/2008 3:46 PM

    Thanks Kim.  That provides the information I was seeking.

     

    MB

    ALANJ
    Advanced Member
    Advanced Member
    Posts:142


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    07/15/2008 5:16 AM
    Everyone needs to read the lead story on the home page. Citizens claims to have 5k plus adjusters ready to roll. After sitting this line of work out for the last four years, I find myself in Atlanta for going on three months. We all know the drill. The adjusters that I have met or spoken to on this gig, all say they will only work for Citizens as a last resort. It seems Citizens is the insurer of last resort as well as the employer of last resort. I wish we could start a poll and see excatly how many adjusters put Citizens number one on their FL list.


    Did anyone sign a contract comitting to work for only Citizens? Everyone please read the article.

    Thanks,

    Alan
    JimGary
    Senior Member
    Senior Member
    Posts:470


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    07/15/2008 8:41 AM

    I'm sure every one gets the emails daily about the new Citizens classes. I was certified on the first go round, and as I understant it, that was thrown out and we need to recertify. I have not really paid close attention, but just gather that the second cert has been thrown out and maybe there is something new? I still contend that if a major hurricane hits Fla., your certification will be your pulse.

     

    JWG

     

    I know the voices aren't real, but sometimes they're right!
    sbeau4014
    Founding Member
    Senior Member
    Senior Member
    Posts:427


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    07/15/2008 9:20 AM
    Alan,
    You did note that in that article that they mentioned that these adjusters have committed to work for Citizens on a priority basis or something like that. I got the impression that this meant they will work for Citizens when they get the call, no matter if they are working elsewhere, etc. I would venture to guess that of those totals they claim, in the event of a large storm they will be lucky to get 1500 people not working already or ones that haven't committed elsewhere. I'd like to see the listing of adjusters that they have. i bet that some of us may be surprised to find our own names on that listing.
    MBoy
    Member
    Member
    Posts:57


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    07/15/2008 1:57 PM
    Citizens has claimed X number of adjusters every year. They arrive at their total by having the independent adjusting firms committ to a specific number. They do not care how the IA firms arrive at their committment. I suspect if can find terms in the contract that penalize the IA firms if they do not produce the number of adjusters committed.

    Since Citizens is a governmental entity, they are subject to the freedom of information act. Perhaps a request needs to be made. If I knew someone in the written media in Florida, they would be the logical party to request this information. Given Citizen's questionable actions in the prior years, I wouldn't take anything they say at face value.

    Did anyone else note that the 5000 adjusters have 67 supervisors?

    As for me, I will wait until their operations shows to be on firm financial, eithical and managerial footing before considering working for them.
    JimGary
    Senior Member
    Senior Member
    Posts:470


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    07/15/2008 5:37 PM
    Posted By Mike Brower on 07/15/2008 1:57 PM
    Citizens has claimed X number of adjusters every year. They arrive at their total by having the independent adjusting firms committ 



    From the number of emails I get regarding Citizens, They may be counting me 5 times.

    I know the voices aren't real, but sometimes they're right!
    MBoy
    Member
    Member
    Posts:57


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    07/15/2008 6:37 PM
    A friend of mine used to handle the Citizens account for an IA company. They would take his list and scrub it with the list submitted by the other IA firms. Any duplicate names were suppose to be removed from all lists. In reality he determined Citizens had established a favored vendor list. The higher up on the list you were with Citizens, the more likely you would keep the adjuster and the lower firm would have to find someone else.

    Needless to say, when the storm hits, I predict less than 20% of the committed adjusters will show up to work Citizens. This means their supervisor count is accurate for their resources.
    Florida Boy
    Member
    Member
    Posts:57


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    07/16/2008 11:30 AM

    Mike & Jim,

    Reading your posts confirms that there may be 5500 names on rosters for Citizens...but the names are on more than one roster and subject to be moved by Citizens from roster to roster. Pretty simple if you ask me. The adjuster just never knows who may be calling him/her  to work Citizens. So I will just sit on the beach and wait to be called by a vendor I never committed to for a storm that has not formed. 

      

     

    rhida
    Member
    Member
    Posts:12


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    07/16/2008 9:40 PM
    A couple of months ago I took the face to face training for the 2008 Citizens Certification and recieved a certificate and thought I was good to go for the 2008 Citizens Certification til I received an email today from our trainer which follows: Citizens expects all adjusters to have completed all "online training" courses for 2008. There are currently 4 in addition to the IA Adjuster Certification Training.
    * 2008 Citizens 101
    * 2008 Good Faith Claims Handling
    * 2008 IA TTT Adjuster Certification
    * 2008 Policyholder Declaration of Rights

    Medulus
    Moderator
    Posts:785


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    07/17/2008 11:06 AM

    Sort of reminds one of last year, doesn't it?  Every couple of weeks a few new demands -- all for the privelege of receiving absolutely no work at all (at least for the last two years).  Good luck to those who have decided they will be part of the Citizen's Team.  I wish you well.  And I'm glad I don't have to join you in the wonderful Citizen's certification process this year.

    Steve Ebner CPCU AIC AMIM

    "With great power comes great responsibility." (Stanley Martin Lieber, Amazing Fantasy # 15 August 1962)
    JimGary
    Senior Member
    Senior Member
    Posts:470


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    07/17/2008 11:15 AM
    Posted By Nita Steen on 07/16/2008 9:40 PM
    A couple of months ago I took the face to face training for the 2008 Citizens Certification and recieved a certificate and thought I was good to go for the 2008 Citizens Certification til I received an email today from our trainer which follows: Citizens expects all adjusters to have completed all "online training" courses for 2008. There are currently 4 in addition to the IA Adjuster Certification Training.
    * 2008 Citizens 101
    * 2008 Good Faith Claims Handling
    * 2008 IA TTT Adjuster Certification
    * 2008 Policyholder Declaration of Rights



    Sounds like that publishers clearing house letter, "you made it to the second level, you've almost won. Now you have to do something else" Or the slot machine that give's you two jackpots, and the third one just one notch away. every time!

     

    JWG

    I know the voices aren't real, but sometimes they're right!
    ALANJ
    Advanced Member
    Advanced Member
    Posts:142


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    07/18/2008 8:57 PM
    I guess they will be hiring off the street, throwing together a class, and turning those folks loose on the people who live in FL.
    ChuckDeaton
    Life Member
    Posts:1110


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    07/28/2008 4:48 PM
    It is chaos that makes the world go round.
    "Prattling on and on about being an ass with experience doesn't make someone experienced. It just makes you an ass." Rod Buvens, Pilot grunt
    jnhawk
    Guest
    Guest
    Posts:9


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    08/03/2008 6:46 PM
    Nita - There are only three online courses to take for 2008, the "2008 IA Adjuster Certification" is the title for the face to face training.

    Mike - The 67 supervisors are the full timers. When a CAT happens the IA Firms supply one Team Lead for every 10 IA Adjusters. I think the number is the same for Desk Adjusters

    Citizens is a lot more organized than their first year when they got hit with 4 hurricanes. The training is inconvenient, but they want people who know the Citizens system. Their training on Tile/Concrete Roofs and Pool Enclosures makes the time spent worth it. They are trying to be the best and lead the private companies by their example. It is refreshing to see that.

    All CAT claims are filed electronically. It is very easy to work Citizens claims. The pay schedule is competitive. It's a lot easier to get information from their web site than other Insurance Companies. If you took the face to face training you should know how to log on and download Forms, Endorsements, etc.

    BTW: I'm an independent, but I worked Ivan and Wilma for them.
    rhida
    Member
    Member
    Posts:12


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    08/15/2008 3:24 AM
    John, thanks for the update - I also worked with Citizens in 2005 & 2006. The 3 classes are convenient and quick - I just did not hear of them this year until 6 weeks after the class...
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