FL H0289

Allows a consumer representative appointed by the Governor to the Citizens Property Insurance Corporation's board to practice in a profession if required or permitted by law or ordinance.

Revises requirements for licensed agents of the corporation to include agents who continuously hold appointments and are actively writing or renewing personal lines residential, commercial residential, or commercial nonresidential property coverage.

Authorizes specified entities (licensed general lines agents, authorized insurers, reinsurers, reinsurance brokers, and modeling companies) to use corporation underwriting and claims file information for risk analysis purposes, but prohibits use for direct solicitation of policyholders.

Requires the corporation to establish a take-out program revision effective January 1, 2017, that informs policyholders when insurers demonstrate interest in taking their policies, provides uniform premium and coverage comparison formats, and allows policyholders to limit solicitations to once per 6-month period.

Establishes that policyholders whose policies were taken out by an insurer within the previous 36 months are considered renewal policyholders if the insurer's initial premium exceeded estimates by more than 10 percent or the insurer's rate increase exceeded the corporation's allowable increase.