Flood insurance ‘warning’ clears second committee
Charlotte Glaze gives Donna Lamb a teary hug Monday as she floats out some of her belongings in floodwaters from the Ortega River in Jacksonville. Photo via AP.


Policyholders would see a bold 18-point type warning when their hurricane coverage won’t pay for flood damage under legislation that cleared a Senate panel Tuesday.

The Senate Community Affairs Committee OK’d the bill (SB 1282) 6-0.


The idea is to spare policyholders any nasty shocks following a hurricane or other natural disaster, said the sponsor, Miami Democrat Annette Taddeo.

“What we want to make sure is that homeowners, when they’re buying hurricane insurance, know that that does not include flood insurance,” Taddeo said.

“It will save a lot of trouble for homeowners,” she said. “After Hurricane Irma, a lot of homeowners were calling our office saying, ‘My insurance is not covering this.’ ”

The bill, which has one final stop at the Rules Committee, requires policy documents to contain the following warning:

“Flood insurance: you may also need to consider the purchase of flood insurance. Your homeowner’s insurance policy does not include coverage for damage resulting from flood, even if hurricane winds and rain caused the flood to occur. Without separate flood insurance coverage, you may have uncovered losses caused by flood. Please discuss the need to purchase separate flood insurance coverage with your insurance agent.”

Taddeo said following the vote that she’d taken steps to ensure the bill wouldn’t overly burden insurers.

“It’s a big problem,” she said following the vote. “It happened again with Irma — ‘What do you mean, it doesn’t cover it?’”

She noted that the Florida Wildlife Federation has endorsed the bill in light of rising sea levels caused by global warming.

“With sea level rise, it’s going to get worse. I’m concerned that homeowners need to cover themselves,” Taddeo said.

“My area’s not even on the beach — I’m on the west side. But I’m telling you, the flooding’s going to get worse on the west side, and that’s something people don’t realize.”

Michael Moline

Michael Moline is a former assistant managing editor of The National Law Journal and managing editor of the San Francisco Daily Journal. Previously, he reported on politics and the courts in Tallahassee for United Press International. He is a graduate of Florida State University, where he served as editor of the Florida Flambeau. His family’s roots in Jackson County date back many generations.


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