senate Bill S6410

2017-2018 Legislative Session

Relates to flood insurance notice in communities bordering Lake Ontario

download bill text pdf

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Archive: Last Bill Status - In Senate Committee Insurance Committee


  • Introduced
  • In Committee
  • On Floor Calendar
    • Passed Senate
    • Passed Assembly
  • Delivered to Governor
  • Signed/Vetoed by Governor

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Actions

view actions (9)
Assembly Actions - Lowercase
Senate Actions - UPPERCASE
Jan 03, 2018 referred to insurance
returned to senate
died in assembly
Jun 15, 2017 referred to insurance
delivered to assembly
passed senate
Jun 14, 2017 ordered to third reading cal.1736
committee discharged and committed to rules
May 17, 2017 referred to insurance

S6410 (ACTIVE) - Details

See Assembly Version of this Bill:
A8058
Current Committee:
Senate Insurance
Law Section:
Insurance Law
Laws Affected:
Amd §3444, Ins L
Versions Introduced in 2019-2020 Legislative Session:
S8810, A5070

S6410 (ACTIVE) - Summary

Relates to flood insurance notice in communities bordering Lake Ontario; requires the department of financial services to publish an annual notice with the department's contact information and a statement about flood insurance and how it relates to standard homeowners insurance policies in local newspapers that serve the communities bordering Lake Ontario.

S6410 (ACTIVE) - Sponsor Memo

S6410 (ACTIVE) - Bill Text download pdf


                    S T A T E   O F   N E W   Y O R K
________________________________________________________________________

                                  6410

                       2017-2018 Regular Sessions

                            I N  S E N A T E

                              May 17, 2017
                               ___________

Introduced  by  Sen. RITCHIE -- read twice and ordered printed, and when
  printed to be committed to the Committee on Insurance

AN ACT to amend the insurance law, in relation to flood insurance notice
  in communities bordering Lake Ontario

  THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND  ASSEM-
BLY, DO ENACT AS FOLLOWS:

  Section  1.  Section  3444 of the insurance law is amended by adding a
new subdivision 3 to read as follows:
  3. THE DEPARTMENT OF FINANCIAL SERVICES SHALL PUBLISH AN ANNUAL NOTICE
THAT CONTAINS THE DEPARTMENT'S CONTACT INFORMATION AND A STATEMENT ABOUT
FLOOD INSURANCE AND HOW IT  RELATES  TO  STANDARD  HOMEOWNERS  INSURANCE
POLICIES  IN  NEW YORK STATE IN LOCAL NEWSPAPERS THAT SERVE THE COMMUNI-
TIES BORDERING LAKE ONTARIO. SUCH NOTICE MAY INCLUDE:  (A)  THE  DEPART-
MENT'S  DISASTER  HOTLINE  AND OTHER RELEVANT CONTACT INFORMATION; (B) A
WEB LINK TO THE DEPARTMENT'S DISASTER AND FLOOD RESOURCE CENTER ON THEIR
WEBSITE; AND (C) THE FOLLOWING  STATEMENT  OR  A  SUBSTANTIALLY  SIMILAR
STATEMENT:  "WHILE  FLOODS  ARE  THE MOST COMMON NATURAL DISASTER IN THE
UNITED STATES, INSURANCE COVERAGE FOR LOSSES FROM FLOODS IS NOT PROVIDED
IN STANDARD HOMEOWNERS OR TENANTS POLICIES. INSURANCE FOR FLOOD  DAMAGES
IS  GENERALLY  AVAILABLE  UNDER  A  SEPARATE  POLICY  ISSUED THROUGH THE
NATIONAL FLOOD INSURANCE PROGRAM (NFIP)  AND  AVAILABLE  TO  HOMEOWNERS,
RENTERS  AND  BUSINESSES. DFS CAN ANSWER QUESTIONS ABOUT AGENTS, BROKERS
AND ADJUSTORS, THE CLAIMS PROCESS (INCLUDING HURRICANE AND WIND  DEDUCT-
IBLES),  POLICY  CANCELLATION,  AND  NON-RENEWAL, AND COVERAGE FOR ADDI-
TIONAL LIVING EXPENSES  (WHICH  YOU  MAY  BE  ENTITLED  TO  IF  YOU  ARE
DISPLACED  AFTER  A  DISASTER).  IF YOUR BUSINESS HAS BEEN AFFECTED BY A
DISASTER, WE CAN ALSO ANSWER QUESTIONS ABOUT COVERAGE,  BUSINESS  INTER-
RUPTION INSURANCE AND OFF-PREMISES SERVICE INTERRUPTION COVERAGE."
  § 2. This act shall take effect immediately.

 EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                      [ ] is old law to be omitted.
                                                           LBD11401-01-7

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