{
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  "id": "fl-stat-627-351",
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  "contentVersion": "2026.08.31",
  "generatedFor": "2026-09-06",
  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
    "license": "6013787",
    "licenseAuthority": "California Department of Insurance"
  },
  "license": "Text on this page may be quoted with attribution and a link to the canonical URL.",
  "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.",
  "title": "Florida Statutes Section 627.351 (2026) - Insurance risk apportionment plans, including Citizens Property Insurance Corporation",
  "publisher": "The Florida Senate (flsenate.gov)",
  "url": "https://www.flsenate.gov/laws/statutes/2026/627.351",
  "officialHost": true,
  "sourceType": "statute",
  "authorityLevel": "primary-law",
  "primary": true,
  "jurisdiction": "FL",
  "publishedDate": "unknown",
  "effectiveDate": "n/a",
  "accessedDate": "2026-08-31",
  "lastChecked": "2026-08-31",
  "updateCadence": "Amended frequently by the Florida Legislature; re-verify against the newest statutes edition each session.",
  "status": "active",
  "supportsClaims": [
    {
      "claimId": "fl-stat-627-351#c1",
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      "checksum": "8eb64338d1b4",
      "text": "Section 627.351(6) describes Citizens Property Insurance Corporation as a government entity that is an integral part of the state, and that is not a private insurance company."
    },
    {
      "claimId": "fl-stat-627-351#c2",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/fl-stat-627-351#c2",
      "checksum": "2adcc0d7e841",
      "text": "Citizens coverage is for applicants who are in good faith entitled to procure insurance through the voluntary market but are unable to do so."
    },
    {
      "claimId": "fl-stat-627-351#c3",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/fl-stat-627-351#c3",
      "checksum": "dc3ada2c9706",
      "text": "A personal lines residential structure with a dwelling replacement cost of $700,000 or more is not eligible for Citizens coverage, except that in counties the office determines lack a reasonable degree of competition a personal lines residential structure with a dwelling replacement cost of less than $1 million remains eligible."
    },
    {
      "claimId": "fl-stat-627-351#c4",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/fl-stat-627-351#c4",
      "checksum": "d17c21e4848b",
      "text": "A personal lines residential structure in the wind-borne debris region with an insured value of $750,000 or more is not eligible for Citizens coverage unless the structure has opening protections."
    },
    {
      "claimId": "fl-stat-627-351#c5",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/fl-stat-627-351#c5",
      "checksum": "ab1e74f2eb44",
      "text": "A structure newly constructed, or rebuilt, repaired, restored, or remodeled, seaward of the coastal construction control line is not eligible for Citizens coverage."
    },
    {
      "claimId": "fl-stat-627-351#c6",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/fl-stat-627-351#c6",
      "checksum": "f2409cf1294d",
      "text": "Citizens may levy a policyholder surcharge as a uniform percentage of the premium for the policy of up to 15 percent of such premium, and emergency assessments may be levied when surcharges are insufficient."
    }
  ],
  "reliedOnBy": [
    {
      "kind": "State",
      "title": "Florida",
      "url": "https://bestinsuranceresearch.com/states/florida"
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  ],
  "reliedOnByCount": 1,
  "citation": {
    "text": "The Florida Senate (flsenate.gov). \"Florida Statutes Section 627.351 (2026) - Insurance risk apportionment plans, including Citizens Property Insurance Corporation.\" unknown. https://www.flsenate.gov/laws/statutes/2026/627.351 (retrieved 2026-08-31).",
    "viaThisSite": "BestInsurance Research source record fl-stat-627-351, content version 2026.08.31. https://bestinsuranceresearch.com/sources/fl-stat-627-351",
    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
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}