FL S0380

Requires homeowners' insurance policies that do not include flood coverage to include a prominent disclosure statement (bold, 18-point font minimum) at initial issuance and every renewal

The flood insurance disclosure must warn policyholders that their homeowners' policy does not cover flood damage, even if hurricane winds and rain caused the flooding

Maintains existing requirement for insurers to include a separate disclosure about law and ordinance coverage availability

Intended to encourage policyholders to discuss purchasing separate flood insurance with their insurance agent to avoid uncovered losses

Effective date: July 1, 2019