FL H0895

Amends coastal management requirements to include development and redevelopment principles that reduce flood risk from high-tide events, storm surges, flash floods, and sea-level rise impacts, and encourages participation in the National Flood Insurance Program Community Rating System.

Creates new statute requiring surveyors and mappers to complete elevation certificates using a Division of Emergency Management checklist and submit copies to the division within 30 days, with authorization to redact property owner names.

Authorizes flexible flood insurance policies with customizable coverage options including deductibles, replacement cost adjustments, and variable living expense coverage.

Deletes prohibition on supplemental flood insurance providing excess coverage over other flood insurance and allows supplemental policies to cover jewelry, art, deductibles, and additional living expenses.

Authorizes Office of Insurance Regulation to require insurers to provide credits or refunds to insureds if flood coverage rates are determined to be excessive or unfairly discriminatory, and establishes certification process for private flood insurance policies meeting federal requirements.

Takes effect July 1, 2015.