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We at Loggerhead are excited to offer a replacement policy for customers selected through the Citizens Depopulation Program. Our goal is to make this transition as seamless as possible for you and your family.

What is the Citizens Depopulation Program?

Citizens developed the Depopulation Program with authorization from the Florida Legislature. It’s designed to reduce the number of policies held by Citizens and encourage more insurance companies to assist customers in Florida. This initiative enables companies like Loggerhead to transition Citizens’ policies to private insurance, helping to strengthen the Florida insurance market.

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Founded in 2022, Loggerhead Insurance is a Florida property insurer headquartered in Tampa, FL. Our team brings decades of experience in both top-tier service and the Florida property insurance market. That experience shows in our balance sheet and reinsurance program, which have earned a Financial Stability Rating® of “A” (Exceptional) from Demotech, Inc., a leading independent financial analysis firm.

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What do I need to do?

If your policy is assumed by Loggerhead you’ll receive a Notice of Assumption and Nonrenewal and Certificate of Assumption from Citizens. From there, follow these easy steps to ensure continued coverage.

90 days before your current policy expires

You’ll receive a welcome letter and quote summary in the mail from us.

Set up an online account

Easy-to-follow directions will be included on your Loggerhead letter.

Accept your policy offer

Review your quote summary and electronically sign you new Loggerhead policy documents.

Make a payment for your new policy

Review your quote summary and electronically sign you new Loggerhead policy documents.

Frequently Asked Questions

No, Loggerhead will notify your mortgage company and provide all required information. If your mortgage company pays your insurance premium, Loggerhead will send your invoice to your mortgage company for payment.

We recommend that you verify the accuracy of your mortgage company information and notify your agent if changes need to be made.

Yes, your replacement policy from Loggerhead will have the same agent as your expiring Citizens policy.

If your private market renewal offer is OVER 20% of your Citizens renewal premium, you remain eligible for Citizens and have until the date indicated on your Offer Form to register your choice to stay with Citizens. If your choice is registered after the date indicated on the Citizens Offer Letter, the policy can be assigned to Loggerhead.

If your private market renewal offer is UNDER 20% of your Citizens renewal premium, the policy is deemed ineligible for Citizens. As a result, you will not be able to continue your insurance coverage with Citizens.

If you have a claim currently open with Citizens, your claim will continue to be handled by the Citizens claims team. Loggerhead will be unable to assist with claims filed with Citizens.

If your date of loss or damage is before the date Loggerhead assumed your policy, please contact Citizens to submit a claim. If your date of loss or damage is on or after the date Loggerhead assumed your policy, call the Loggerhead Claims team at 855-216-9428.

Between now and your expiration date your Citizens coverage will remain in place. Contact your agent to make changes or payments for your Citizens policy.

In advance of your Citizens expiration date, Loggerhead will send a replacement policy offer to you. Contact your agent or the Loggerhead Customer Service team at 855-216-9428 to make changes to your replacement policy. You can make payment for your replacement policy online once you have created an online account and electronically signed your policy documents.

Contact our Customer Service team at 855-216-9428.

Your home is our priority.

Contact us to learn more about what Loggerhead Insurance can do for you.

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