Florida Depopulation Helper
Compare Your Citizens Takeout Offer
Got a Citizens depopulation or takeout letter? Enter the numbers from your Citizens coverage worksheet and private insurer offer to see the biggest differences side by side.
Check your Citizens packet for your individual selection deadline. Assumption dates vary by policy round.
Input Policy Details
Side-by-Side Offer Worksheet
Enter details from your current Citizens Declarations page and the Private Insurer Offer packet.
Frequently Asked Questions
What is a Citizens takeout offer?
Citizens Property Insurance operates a depopulation program through which authorized private insurers may offer to assume eligible Citizens policies. Homeowners should review the policy-specific documents provided with their offer.
Does ClaimPrepTools tell me which insurance company to choose?
No. The analyzer shows differences between the information you enter. It does not recommend an insurer or tell you whether to accept or reject an offer.
Why should I compare more than the premium?
Policies can differ in deductibles, limits, roof settlement provisions, water coverage and other terms. A lower premium might come with a higher deductible or reduced water damage coverage.
Where do I find these numbers?
Use the Citizens depopulation packet, coverage worksheet, declarations page and the private insurer's offer letter.
What if information is missing?
Mark it "Not Sure" and ask your insurance agent before making your decision.
Disclaimers & Disclosures
ClaimPrepTools is not affiliated with Citizens Property Insurance Corporation or any takeout insurer. ClaimPrepTools provides educational tools using user-entered information and publicly available data. Information may be delayed, incomplete or subject to revision. ClaimPrepTools does not provide legal, insurance, financial, adjusting or contracting advice. Verify important decisions with your insurer, agent, attorney, licensed public adjuster or other qualified professional.