Citizens is updating its personal residential multiperil (dwelling) program in Florida, revising wind mitigation rules to align with changes to the state’s inspection framework.

The filing, submitted March 31, 2026, reflects a rule update rather than a pricing action, with no premium impact. The changes are scheduled to take effect July 1, 2026, for both new and renewal business.

At the core of the update is alignment with the Uniform Mitigation Verification Inspection Form, which standardizes how wind mitigation features are evaluated across properties. Citizens is incorporating those updates into its underwriting guidelines while maintaining its existing mitigation credit schedule.

Several structural clarifications stand out.

Roof deck attachment requirements are refined across Attachment A, B, and C classifications, with more detailed uplift resistance thresholds and fastening standards. The carrier also formally adds reinforced concrete roof decks into the rule language, though this credit already existed in its rating framework.

Secondary water resistance guidance is expanded, with clearer qualification criteria across materials and installation methods, including polymer-modified underlayments, seam taping, and spray foam applications.

Roof-to-wall connection definitions are tightened, introducing more explicit requirements for toe nails, clips, single wraps, and double wraps. The update also adds minimum uplift thresholds and clarifies eligibility conditions for each connection type.

Opening protection rules are updated to reflect the new inspection form, including revised eligibility guidance. Notably, buildings with openings requiring repair or replacement will not qualify for mitigation credits, a deviation shaped by regulatory input.

Citizens emphasized that while the rules are being updated, it is not adopting new features such as roof slope or regional modifiers at this time.

Bottom Line: This is a technical alignment with Florida’s updated inspection standards, improving consistency in how mitigation features are classified without changing pricing.