A cheap private quote can no longer force you out of Citizens
Since June 26, 2026, a private offer only blocks you if it is truly comparable. It must pay the roof at replacement cost and include at least $10,000 of water coverage.
Who this affects
People who apply to Citizens and keep getting matched with cheap, stripped down quotes.
What to check
Is a private offer being used against you? Ask how it pays the roof, and how much water coverage it has.