Why do so many Haverhill condo associations use Citizens insurance?
Citizens is Florida's state-backed insurer of last resort, and after private carriers retreated from older condo buildings, many associations landed there. For a buyer the nuance is lender treatment: agency rules around Citizens and master-policy specifics get checked file-by-file. It is one more reason the insurance certificate is a day-one document request in Haverhill, not a closing-week one.
Read from HUD’s condominium list, the VA condominium report, FL DBPR filings and county registry and building records, compiled 2026-08-08. Figures describe what was on file that day; a missing filing is recorded as unconfirmed rather than as a finding, and conventional (Fannie/Freddie) standing is not publishable in either direction.
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