Citizens sent you a takeout letter. Ask Ava what it means.
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Sources: Citizens depopulation reporting for full-year 2025 (Artemis, citing Citizens) and Citizens' policies-in-force report, July 2026. Program details are set by Florida law and your own notice.
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The takeout letter, decoded
Four things the notice doesn't make obvious, and why doing nothing is also a decision
The 20% rule
If a private carrier's offer is at or below your current Citizens premium, or no more than 20% above it, you are no longer eligible to stay with Citizens. The choice isn't 'switch or stay', it's usually 'which carrier'.
Silence means switched
If you don't respond by the deadline in your letter, you're automatically assigned to the carrier with the lowest premium estimate, whether or not its coverage matches what you have.
The deadline is real
Your letter states a response deadline, typically around 30 days from the notice date. Waiting until the last week leaves no time to compare coverage or shop alternatives.
Cheaper isn't rare
Many takeout offers actually come in below the Citizens premium. The question isn't only price: it's whether the coverage behind that price matches what you're giving up.
See what your report looks like
A preview of the comparison report you'll receive
Coverage Comparison
Dwelling: Citizens $350K → New carrier $350K ✓
Personal property: Citizens $175K → New carrier $150K ⚠
Liability: Citizens $300K → New carrier $300K ✓
Deductible Changes
Hurricane deductible: 2% → 5% ⚠ ($17,500 vs. $7,000)
Wind/hail: included → separate 2% deductible ⚠
Standard deductible: $1,000 → $2,500 ⚠
Missing Endorsements
Ordinance or law coverage: NOT included
Water backup: NOT included (was $10K)
Roof replacement: ACV only (was full replacement)
Risk Summary
3 coverage reductions identified
Estimated additional out-of-pocket: $10,500+
2 endorsements you should request
Illustrative sample with example figures, not real policy data. Your report is built from the documents you upload.
What you'll get
Every comparison covers these four things
Side-by-Side Comparison
See your Citizens coverage vs. the private carrier offer in one clear view: limits, endorsements, and conditions lined up.
Hidden Coverage Changes
Catch reduced limits, new exclusions, or missing endorsements the takeout letter won't highlight for you.
Deductible Differences
Compare hurricane, wind/hail, and standard deductibles dollar-for-dollar so you know your real out-of-pocket risk.
Gap Alerts
Get flagged on coverage you'd lose that you may not be able to get back, before the switch is final.
How it works
Three simple steps to a reviewed takeout offer
Tell Ava about your letter
Start the chat at the top of this page. Ava asks a couple of quick questions, and you can type your own at any point: she'll answer and pick the intake back up.
Upload your documents in the chat
Drop in the takeout offer and your current Citizens policy, a photo or a PDF of each. Ava reads them and fills in your details for you. Both uploads are optional.
Get your comparison and your real options
A licensed agent flags every coverage change, gap, and gotcha in plain English. If you want prices too, we shop your home across multiple Florida carriers and bring back real quotes, so you decide with confidence before your deadline.
Don't want just the carrier that picked you? See your options.
These carriers have been approved to assume Citizens policies in recent rounds. As an independent agency we can quote a range of Florida carriers, so you can see how your offer stacks up before the deadline. Tell us about your home and we'll shop it across our markets and get back to you.
Carrier names and logos are trademarks of their respective owners, shown for identification only. Truscott is not affiliated with or endorsed by any carrier listed or by Citizens Property Insurance Corporation.
Different situation?
Already moved off Citizens?
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Truscott provides AI-generated insurance policy summaries for informational purposes only. Our analyses do not constitute insurance advice, legal advice, or coverage guarantees. Always consult a licensed insurance professional or attorney for specific coverage questions or claims decisions.
Truscott Inc., d/b/a Truscott Insurance Solutions, is an independent Florida-licensed insurance agency (FL agency license L136441) and is not affiliated with or endorsed by Citizens Property Insurance Corporation. Takeout program details (including the 20% eligibility rule and response deadlines) are set by Florida law and Citizens, and may change; always follow the instructions and dates in your own notice.