Citizens is announcing that, until April 17, 2023, we will allow new United Property & Casualty (UPC) business to be submitted with a March 29, 2023, effective date.

Agents who are completing new-business applications via quick quotes in PolicyCenter® can keep the March 29 effective date.

Agents can request a backdated effective date for UPC new-business applications submitted after March 29. When requesting an effective date change, the following criteria must be met; there are no exceptions.

For risks without existing damage:

• The status of the risk is Bound-Approved or Bound-Unapproved.
• There is no premium applied to the policy.
• Submit an effective date change request in PolicyCenter. Follow the steps outlined in the Creating an Effective Date Change Request job aid.
• Once the effective date change is processed, remit payment:
  • Direct Bill will have until May 28, 2023.
  • Mortgagee billed will have until June 27, 2023

For risks with existing damage:

• They will be in an unbound-unapproved status.
• Please request March 29, 2023 effective date in the policy note.
• Risks with existing damage must be submitted with:
  • Photos of the existing damage
  • Document(s) reflecting when the repairs will be completed
  • Existing damage written disclaimer from the applicant

All prior UPC new business should be submitted with the appropriate prior-carrier information:

• On the Policy Info screen, enter information regarding the prior policies.
• Click in the Carrier Name field to access the search feature.
  Results: The External Carriers search page displays.
• Enter the first few characters of the carrier’s name and select Search.
  Results: The search results will display.
• In the search results, select 105012 as the Carrier ID and United Property & Casualty Insurance Company as the Carrier Name.
  Results: The Policy Info screen displays.
• Complete the remaining fields: Policy Number, Expiration Date and Cancel or Non-Renewal Reason.

Resources

For details about the document deferral process, refer to the March 1 Personal Lines Bulletin and the following resources:

• Training > Citizens Essentials for online webinar recordings to help you navigate the new-business submission process and service your customers
• Training > Webinar Recordings and look for Placing United Property & Casualty (UPC) Policies with Citizens
• Training > Personal Job Aids to access:
  • Automated Loss History Data and Acceptable Proof of Repair Guide
  • Uploading and Linking Documents
  • Home Condition Requirements
  • Mobile Home Condition Requirements
  • Required Document Guides (by policy form on the right-hand side)
• FAQs on the top menu. Enter +document +deferral in the Search field

If you have any questions or concerns, contact Citizens’ Customer Care Center weekdays, 8 a.m. – 5:30 p.m. ET, at 888.685.1555.