Citizens Flood Insurance: What Changes on January 1, 2027
From January 1, 2027, Citizens requires flood insurance on home policies with wind coverage. Who is exempt, how much coverage counts and the timing to plan for.
Read articleInsurance, flood zones, hurricane season, condo inspections and property tax deadlines, explained for people who own a home or condo on Clearwater Beach and the nearby barrier islands.
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From January 1, 2027, Citizens requires flood insurance on home policies with wind coverage. Who is exempt, how much coverage counts and the timing to plan for.
Read articleHow to read the Notice of Proposed Property Taxes, what to check each August, and the steps if you disagree with your value.
Read articleThe difference between FEMA flood zones and county evacuation zones, how to find yours, and what county data shows for zip 33767.
Read articleThe OIR-B1-1802 form explained: roof attachments, opening protection and how the inspection can affect your wind premium.
Read articleOwners' rights to condo records, the 25-unit website rule that began January 1, 2026, and how to request what isn't posted.
Read articleFlorida's claim deadlines, what to document first, and how condo owners split coverage between their HO-6 and the master policy.
Read articleWhen Pinellas tax bills arrive, how the November to February discounts work, and tips for owners who live out of state.
Read articleQuestions about the Clearwater market? See our market statistics, get a free home valuation, or reach out directly.