What is a key feature that differentiates the Citizens Wind Program?

The Citizens Wind Program is specifically designed to address the unique challenges associated with windstorm coverage in Florida, particularly due to the state's exposure to hurricanes and tropical storms. One of the key features that sets this program apart is its specific area limitations for coverage. This means that the insurance is not provided indiscriminately across all properties; rather, it is limited to certain geographic areas that are deemed more vulnerable to wind damage.

By imposing area limitations, the program aims to manage risk more effectively, sustaining affordability and availability of coverage for homeowners in approved locations. The targeted nature of the Citizens Wind Program enables it to provide vital coverage where it is most needed, particularly for homeowners who may not have access to coverage through the standard insurance market due to high risk.

This selective approach ensures that the program can serve its primary mission of providing affordable windstorm insurance to Florida residents who might otherwise struggle to find adequate protection against hurricanes.