In this release, we have updated how the Rater handles certain Wind Loss Mitigation (WLM) field options for Citizens Home applications (HO6 policy types). 


Due to pending rate order changes from the Florida Office of Insurance (OIR), Home applications for HO6 policy types with an effective date of 07/01/2026 or later may cause Citizens rejecting quotes due to invalid WLM combinations per the current validation logic. 


To help you get past these errors, we have added dynamic field level filtering and validations specific to HO6 policy types.


TABLE OF CONTENTS

What's in it for me?


  • You can now enter accurate information, leading to more precise premium calculations and improved risk assessment by carriers. 


  • This will reduce the need for manual updates on carrier websites and you will spend less time on the quoting process and focus more on serving clients and growing their business. 


  • This also reduces the likelihood of underwriting errors and claims disputes leading to higher satisfaction levels and strengthening long-term relationships with your customers.  

How it works


When quoting a Citizens Home HO6 application with an effective date of 07/01/2026 or later, the available options for the following fields will dynamically change based on Number of Units, Year Built, Terrain, County and Inspection Done. 

  • Roof to Wall Attachment 
  • Wind Speed 


Roof to Wall Attachment


Scenario 1

The Roof to Wall Attachment will no longer preselect "Not Applicable" when the following fields are configured like so: 

  • Policy Type is HO6
  • Number of Units is 1-4 Units
  • Terrain is B or C
  • Inspection is Yes
  • Year Built is >=2002
  • Roof Deck Attachment is NOT Reinforced Concrete.


Instead, the Roof to Wall Attachment will required a user input with the following options available: 

  • Toe Nails
  • Clips
  • Single Wraps
  • Double Wraps
  • Unknown or Unidentified
 


Scenario 2

The Roof to Wall Attachment will no longer preselect "Not Applicable" but instead preselect "Unknown or Unidentified" when the following fields are configured like so: 

  • Policy Type is HO6
  • Number of Units is 1-4 Units
  • Terrain is B or C
  • Inspection is No
  • Year Built is >=2002
  • Roof Deck Attachment is NOT Reinforced Concrete.



Wind Speed 

With the Wind Speed field, this will dynamically change 


Scenario 1

Year Built is greater than or equal to 2002 but not greater than 2011 AND NOT located in Miami-Dade or Broward County. 

  • County is NOT Miami-Dade or Broward 
  • Year Built is >= 2002 <=2011
  • Policy Type is HO6
  • Inspection is Yes or No
  • Terrain B or C
  • Number of Units 1-4 or Citizens Building Type: Type I, Type II, or Type III 
    • Citizens Defined Building Types 
      • Type I Buildings are those with 5+ Units and 1-3 Stories
      • Type II Buildings are those with 4-6 Stories
      • Type III Buildings are those with 7+ Stories

Result 1: These inputs will make the following options available for the Wind Speed dropdown:

  • 100
  • 110 mph or greater
  • Equal Greater 120
  • Equal Greater 120 and WBDR
  • Unknown
  • Not Applicable


Scenario 2

Year built is greater than or equal to 2012 AND NOT located in Miami-Dade or Broward County. 

  • County is NOT Miami-Dade or Broward 
  • Year Built is >= 2012
  • Policy Type is HO6
  • Inspection is Yes or No
  • Terrain B or C
  • Number of Units 1-4 or Citizens Building Type: Type I, Type II, or Type III 
    • Citizens Defined Building Types 
      • Type I Buildings are those with 5+ Units and 1-3 Stories
      • Type II Buildings are those with 4-6 Stories
      • Type III Buildings are those with 7+ Stories

Result 2: These inputs will make the following options available for the Wind Speed dropdown:

  • 115 to 130pmh
  • 131 to 140 mph
  • 131 to 140 mph and WBDR
  • 141 to 155 mph and WBDR
  • Greater than 155 and WBDR
  • Unknown


Scenario 3

Year built is greater than or equal to 2002, Terrain C, Roof Deck Attachment is NOT Reinforced Concreate Roof Deck (RCRD) AND located in Miami-Dade or Broward County.

  • County is Miami-Dade or Broward 
  • Year Built is >= 2002
  • Terrain C
  • Roof Deck Attachment is NOT Reinforced Concreate Roof deck (RCRD)
  • Policy Type is HO6
  • Inspection is Yes or No
  • Number of Units 1-4 or Citizens Building Type: Type I, Type II, or Type III 
    • Citizens Defined Building Types 
      • Type I Buildings are those with 5+ Units and 1-3 Stories
      • Type II Buildings are those with 4-6 Stories
      • Type III Buildings are those with 7+ Stories

Result 3 : These inputs will make the Wind Speed field preselect the HVHZ option with no other options available for selection.


Scenario 4

Year built is greater than or equal to 2002, Terrain C, Roof Deck Attachment IS Reinforced Concreate Roof Deck (RCRD) AND located in Miami-Dade or Broward County.

  • County is Miami-Dade or Broward 
  • Year Built is >= 2002
  • Terrain C
  • Roof Deck Attachment IS Reinforced Concreate Roof deck (RCRD)
  • Policy Type is HO6
  • Inspection is Yes or No
  • Number of Units 1-4 or Citizens Building Type: Type I, Type II, or Type III 
    • Citizens Defined Building Types 
      • Type I Buildings are those with 5+ Units and 1-3 Stories
      • Type II Buildings are those with 4-6 Stories
      • Type III Buildings are those with 7+ Stories

Result 4 : These inputs will make the Wind Speed field preselect the Not Applicable option with no other options available for selection.

We hope you are excited for this new feature and look forward to our future releases. Please let us know if this article was helpful in learning about the new feature by answering the question below. Check out our related articles on the right-side of the page to learn more about EZLynx!