FL S1282

Requires insurers to include mandatory disclosure statements about law and ordinance coverage and flood insurance with homeowner's policy documents at initial issuance and each renewal.

Mandates disclosure statements be printed in bold type no smaller than 18 points, informing policyholders that homeowner's insurance does not cover flood damage even if caused by hurricane winds and rain.

Requires disclosure to explicitly state that separate flood insurance coverage is needed and encourages policyholders to discuss law and ordinance and flood coverage options with their insurance agent.

Applies to policies issued or renewed on or after July 1, 2019.