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Depopulation

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Florida law requires that Citizens create programs to help return Citizens policies to the private market and reduce the risk of assessments for all Floridians. These programs are subject to the approval of the Office of Insurance Regulation (OIR).

The Depopulation program works with private-market insurance companies interested in offering coverage to Citizens policyholders. Participating companies must be approved by the OIR. Approved takeout companies can offer to take over your Citizens policy at any time during your policy period.

The Depopulation Unit works directly with active and prospective Florida insurers and representatives to facilitate the transfer of policies.

Email the Depopulation Unit if you have questions about Citizens' Depopulation Program.

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Learn More

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General Information

Depopulation Plan (2017-2023)
Personal Lines Takeout Plan (2012-2016)
Commercial Lines Takeout Plan (2012-2016)
Takeout Company Claims Reimbursement Process
Takeout Company Contacts & Resources

Calendars

Personal Lines Agent/Policyholder (2024)
Personal Lines Takeout Company (2024)
Commercial Lines (2024)

Personal Lines Agent/Policyholder (2025)
Personal Lines Takeout Company (2025)
Commercial Lines (2025)

Links

OIR Requirements for Participation
Policies in Force Snapshot

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Login Instructions

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You can log in to the takeout company resources page from any page on the Citizens website:

  1. Select Login on the top right of your screen. You will be redirected to the Citizens Login page.
  2. Enter your Citizens Username and Password, then click Submit.
  3. You will be redirected to the takeout company resources page. This page is hosted on the Citizens Agents site, which is identifiable by a green header bar. In this area, you also will find Citizens manuals and policy forms.

Only registered takeout companies can access takeout company resources. If you are interested in participating in the Depopulation Program, email the Depopulation Unit for more information.

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Downloads

Graphic - Depopulation Brochures

Videos

Understanding Citizens' Depopulation Program

Infographic

How Did I Get Selected For Takeout?

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