FL S1094

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

Creates new requirement for surveyors and mappers to submit copies of elevation certificates to the Division of Emergency Management within 30 days of completion, beginning January 1, 2017, with permission to redact property owner names.

Authorizes flexible flood insurance as a new type of coverage that may include various provisions such as specified coverage amounts, higher deductibles, actual cash value adjustments, and limitations on contents coverage.

Requires the Office of Insurance Regulation to provide appropriate credits or refunds to policyholders if flood insurance rates are determined to be excessive or unfairly discriminatory.

Allows authorized insurers to request certification from the office that their flood policies meet or exceed National Flood Insurance Program coverage standards, and permits use of such certification in advertising and policy documentation.