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PA HB1704
Bill
Status
10/1/2025
Primary Sponsor
Perry Warren
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AI Summary
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Requires residential property sellers to disclose flood risk indicators including prior flood damage history (with number of times and estimated dates), FEMA flood hazard zone status, flood insurance requirements, government flood assistance received, and any flood insurance claims filed
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Adds "flood risk indicator" to the definition of "material defect" in Pennsylvania's residential property disclosure law, making flood-related information a required disclosure item
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Mandates the Insurance Department post flood risk information, flood mitigation resources, and flood insurance details on its public website, along with links to flood hazard area property identification tools
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Requires sellers to provide buyers a written disclosure statement explaining that standard homeowner's insurance typically does not cover flood damage and directing them to the Insurance Department website and the National Flood Insurance Program
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State Real Estate Commission must update the property disclosure statement form within 18 months of the effective date; the act takes effect in 60 days
Legislative Description
In general provisions relating to residential real property, further providing for definitions; in seller disclosures, further providing for disclosure form and providing for website information and for flood disclosure; and imposing duties on the Insurance Department.
Last Action
Laid on the table (Pursuant to Senate Rule 9)
2/3/2026