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CS/CS/HB 1011 — Homeowners' Insurance Policy Disclosures

by Commerce Committee; Insurance and Banking Subcommittee; and Rep. Cruz and others (CS/SB 1282 by Banking and Insurance Committee and Senator Taddeo)

This summary is provided for information only and does not represent the opinion of any Senator, Senate Officer, or Senate Office.

Prepared by: Banking and Insurance Committee (BI)

The bill expands the required notice regarding flood insurance and laws and ordinance coverage in a homeowner’s property insurance policy to include notice that the purchase of homeowner’s insurance does not cover flood, even if hurricane winds and rain caused the flood to occur. The notice is to be included upon the initial issuance and at each renewal of the homeowner’s insurance policy.

If approved by the Governor, these provisions take effect January 1, 2019.

Vote: Senate 36-0; House 115-0