Senate Bill S8810

2019-2020 Legislative Session

Relates to flood insurance notice in communities bordering Lake Ontario

download bill text pdf

Sponsored By

Archive: Last Bill Status - In Senate Committee Rules Committee

  • Introduced
    • In Committee Assembly
    • In Committee Senate
    • On Floor Calendar Assembly
    • On Floor Calendar Senate
    • Passed Assembly
    • Passed Senate
  • Delivered to Governor
  • Signed By Governor

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2019-S8810 (ACTIVE) - Details

See Assembly Version of this Bill:
A5070
Current Committee:
Senate Rules
Law Section:
Insurance Law
Laws Affected:
Amd §3444, Ins L
Versions Introduced in Other Legislative Sessions:
2017-2018: S6410, A8058
2021-2022: S1872, A6367
2023-2024: S4381, A5439

2019-S8810 (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.

2019-S8810 (ACTIVE) - Sponsor Memo

2019-S8810 (ACTIVE) - Bill Text download pdf 

                            
 
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                   8810
 
                             I N  S E N A T E
 
                               July 20, 2020
                                ___________
 
 Introduced  by  Sen. RITCHIE -- read twice and ordered printed, and when
   printed to be committed to the Committee on Rules
 
 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.
                                                            LBD02525-01-9

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