Citizens Depopulation: Loggerhead Replacement Guide

Florida homeowners are receiving Citizens depopulation notices in large numbers. If you live in Orlando, Fort Myers, or anywhere in the state, you may have seen a letter saying your Citizens policy will be moved to Loggerhead Insurance.

These letters can be confusing. Knowing why this happens—and what it means for you—will help you make informed decisions. This guide explains the depopulation process, how Loggerhead fits in, and the steps you should take to protect your home and budget.

What Is Citizens Depopulation?

Citizens Property Insurance Corporation is Florida’s insurer of last resort. When private insurers leave, Citizens provides coverage so families aren’t left without protection.

Depopulation is the state’s effort to reduce Citizens’ size by shifting policies back to the private market. The Florida Office of Insurance Regulation approves companies like Loggerhead to assume these policies.

The 20% Rule

Florida law includes a 20% rule:

• If a private insurer’s offer is 20% or less above Citizens’ renewal premium, you cannot stay with Citizens.
• Example: Citizens renewal = $1,000. Loggerhead offer = $1,150. Because that’s only 15% higher, the policy must move.

Loggerhead’s Role

Loggerhead Insurance is one of several carriers approved for depopulation. The company reviews Citizens policies, identifies eligible homes, and issues replacement offers.

1. Loggerhead reviews your Citizens file.
2. You receive a letter with their offer.
3. You have 30–60 days to respond.
4. Accepted offers transfer on the effective date.
5. Citizens manages any open claims filed before transfer.

Citizens vs. Loggerhead: Key Differences

Premiums

• Citizens: Regulated, more uniform.
• Loggerhead: Risk-based; may be higher or lower depending on property.

Coverage

• Wind & Hurricane: Both cover storm damage. A separate hurricane deductible (2–5% of dwelling coverage) applies.
• Flood: Not included; requires a separate flood policy.
• Sinkhole: Catastrophic ground collapse is included; Loggerhead may offer an optional endorsement for smaller sinkhole damage.

Claims

• Citizens handles existing claims filed before transfer.
• Loggerhead handles new claims after the policy switches.

Mortgage/Escrow

Notify your lender quickly so payments and records update correctly.

Costs by Location

Premiums vary by county, ZIP code, and property risk.

How to Reduce Your Premium

• Wind mitigation inspection: Credits can save hundreds annually.
• Roof updates: Newer metal or tile roofs are favored.
• Impact windows and doors: Help prevent windborne damage and earn discounts.
• Monitored alarms: Fire and security systems reduce losses.
• Programs: My Safe Florida Home offers free inspections and matching grants up to $10,000.

Central Florida vs. Southwest Florida

• Orlando (ZIP 32819, 32836): Mid-range Loggerhead premiums are common. Roof age and maintenance matter.
• Kissimmee (34741) and Sanford (32771): Flood-zone differences can change costs block by block.
• Fort Myers (33901, 33908): Higher surge risk and stricter roof rules drive some of the state’s highest premiums.

FAQs

Can I stay with Citizens if Loggerhead offers me coverage?

Only if Loggerhead’s offer is more than 20% higher than Citizens’ renewal.

What happens if I ignore a takeout letter?

Your policy may automatically transfer to Loggerhead or non-renew with Citizens. Always read the deadlines in your letter.

Who handles my open claim?

Citizens manages claims filed before transfer. Loggerhead handles new ones.

Does Loggerhead cost more than Citizens?

It depends on your roof, location, and claims history. Some homes price lower; others higher.

How can I save money after switching?

Update your roof, add impact windows, complete a wind mitigation inspection, and review My Safe Florida Home grants.

Key Points

• Citizens depopulation moves policies to private carriers.
• Loggerhead is approved to assume eligible policies.
• The 20% rule often determines whether you can stay with Citizens.
• Local risk factors—roof, flood zone, coastal exposure—shape premiums.
• Upgrades and grants can reduce costs.

Conclusion

Citizens depopulation is reshaping Florida’s insurance market. Loggerhead is one of several carriers stepping in. The shift may change costs and coverage, but with clear information and timely action, you can make the move smoothly.