Citizens is enhancing the Property Insurance Clearinghouse with EZLynx®. This change will happen in phases by agency from March 6, 2025, to March 27, 2025. Agents will receive an Alert Bulletin by February 24, 2025, with their activation date and recommended training date.

When this change starts, EZLynx will check if premiums are eligible for Citizens HO-3, HO-6, DP-1-D, and DP-3-D policies. If the premiums are within 20% of the Citizens premium, you won't be able to move to PolicyCenter®. Agents will not need to upload the Detailed Quote Results document to show eligibility for risks that can be submitted to Citizens through EZLynx.

If a carrier returns a premium that makes the risk ineligible for a Citizens application, the agent can request an exception if:

• The carrier will not accept a risk based on their filed and approved underwriting guidelines.
• The price increases after the agent submits it to the carrier with no changes in data.
• The carrier rejects the risk once submitted.

Note: If an agent has no carrier appointments in EZLynx, PolicyCenter will require a copy of a qualifying quote with at least one private-market carrier with whom they have an appointment to verify the risk is eligible to be written with Citizens.

Upcoming Training

Upcoming training will provide additional details about EZLynx and how to request an exception. Representatives from Citizens and Applied Systems will conduct free webinars in which we will present the upcoming enhancements to streamline your new-business submissions through PolicyCenter in order to meet eligibility requirements. For more details about the Clearinghouse Powered by EZLynx, refer to the following resources.

Resources

A new Clearinghouse Powered by EZLynx Best Practice Guide provides additional guidance for agents submitting new-business risks via EZLynx. It includes details about entering wind loss mitigation features, how to enter quotes for limited liability companies and other entities, and how to proceed when a clearinghouse carrier determines a risk is ineligible after the agent applies via the carrier’s portal.

Agency staff can access the EZLynx & Citizens Resource Hub and the Clearinghouse Powered by EZLynx Handout for more information and training for the EZLynx Rating Engine.

Log in to the Agents site to access these resources:

• Select News > Agent Bulletins > Personal Lines to view the September 24, 2024, Personal Lines Bulletin
• Select Training > On Demand Education to view the Citizens Clearinghouse Powered by EZLynx submission demonstration.
• Select Training > Webinar Recordings to access a recorded version of the Clearinghouse Powered by EZLynx webinars:
  • Clearinghouse Powered by EZLynx: A New Solution for Verifying Eligibility
  • Understanding Eligibility Requirements FAQs
• Select Training > Personal Job Aids, and look under:
  • Clearinghouse for the Clearinghouse Powered by EZLynx Checklist, EZLynx Best Practice Guide, and Clearinghouse Powered by EZLynx Override Form
  • General for the Wind Mitigation Feature Help Chart
  • Learn More for the New Business Eligibility Guide, Product Guides, and Required Document Guides by policy type
  • New Business for PolicyCenter job aids: New Business Submission Guide, Creating a Quick Quote, and Uploading and Linking Documents
• Select myAgency, and look in the Spotlight section on the right for the Agent Performance Standards Program Guide for Personal Lines.