My home is located in Indialantic Florida and my parents home is located in Melbourne Beach Florida they are both insured with Citizens property and casualty . What are the proposed changes I am hearing about that are effective 05/01/2012?

Effective 05/01/2012 for renewal and 06/01/2012 for new business Citizens Property insurance change are the following:
Reducing the default on coverage B (other structures ) from 10% to 2%
There will no longer be an option to schedule coverage B items individually
Reduce coverage C (personal property) from 50 % to 25%
Eliminate increase loss assessment coverage (provide $1000 in the HO-3,4 and $2000 in the Ho-6(condominium unit owners)
Implement mandatory ten percent sinkhole deductibles
Reduce personal liability f rom $300,000 to $100,000
Expand the sinkhole inspection program to 12 more counties
Eliminate increased mold limit option of $25,000 and $50,000

If your home is currently insured with Citizens you will be losing valuable coverage on renewal which could result in an huge out of pocket expense to you in the event of a claim. Now is the time to contact Hoffman and Associates Insurance LLC and find out all of your options.

- Hoffman Home Insurance

NOTE: The answers to coverage questions are primarily based on ISO forms generally used in Florida by most companies. However, please keep in mind that all companiesí forms are NOT necessarily the same. Some companies may provide broader coverage and some may be more restrictive.
IN ALL CASES, THE CONSUMER MUST REFER TO HIS OR HER OWN POLICY FOR SPECIFIC COVERAGE INFORMATION.

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