How badly does state-owned Citizens Property Insurance Corp. want to depopulate? So badly that in addition to participating with private-market insurers in a “takeout” program, the residual insurer is trying to remove customers out of policies that haven’t even begun. And it’s doing so with confusing letters and questionable premium estimates that ensure the policyholder must take the private-market offer — at least for now. State officials make no secret of the fact they don’t want Citizens Property Insurance Corp.