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Assembly Bill A6807

2025-2026 Legislative Session

Relates to requiring insurers insuring property in floodplains to include damages done by wave action or windblown waves

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Current Bill Status - In Assembly Committee

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2025-A6807 (ACTIVE) - Details

Current Committee:
Assembly Insurance
Law Section:
Insurance Law
Laws Affected:
Add §2351-a, Ins L
Versions Introduced in Other Legislative Sessions:
2009-2010: A2522
2011-2012: A2762
2013-2014: A3504
2015-2016: A2241
2017-2018: A2590
2019-2020: A2972
2021-2022: A3249
2023-2024: A3430

2025-A6807 (ACTIVE) - Summary

Requires insurers insuring property in floodplains to include damages done by wave action or windblown waves and make available to all insureds who reside in single family homes in a floodplain homeowners insurance covering such damage.

2025-A6807 (ACTIVE) - Bill Text download pdf 

                             
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                   6807
 
                        2025-2026 Regular Sessions
 
                           I N  A S S E M B L Y
 
                              March 14, 2025
                                ___________
 
 Introduced  by M. of A. PRETLOW -- read once and referred to the Commit-
   tee on Insurance
 
 AN ACT to amend the insurance law, in relation to  requiring  floodplain
   insurance to cover damages caused by waves
 
   THE  PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM-
 BLY, DO ENACT AS FOLLOWS:

   Section 1. The insurance law is amended by adding a new section 2351-a
 to read as follows:
   § 2351-A. FLOODPLAIN INSURANCE, WAVE DAMAGE.  (A)  ANY  INSURER  WHICH
 INSURES  PROPERTY  IN  A FLOODPLAIN SHALL MAKE AVAILABLE TO ALL INSUREDS
 WHO RESIDE IN SINGLE FAMILY HOMES IN THE FLOODPLAIN COVERAGE UNDER THEIR
 HOMEOWNERS' INSURANCE POLICY FOR DAMAGES CAUSED BY  WINDBLOWN  WAVES  OR
 WAVE  ACTION.  SUCH  POLICIES SHALL COVER THE RESIDENCE AND ANY APPURTE-
 NANCES THERETO, INCLUDING, BUT NOT  LIMITED  TO,  GARAGES,  BOAT  DOCKS,
 RESTRAINING WALLS, BOAT HOUSES, BREAK WALLS AND ANY OTHER DEVICE USED TO
 PREVENT OR MINIMIZE WAVE OR WATER DAMAGE TO REAL PROPERTY.
   (B)  AS USED IN THIS SECTION, "WINDBLOWN WAVES" OR "WAVE ACTION" SHALL
 MEAN THE CONDITION WHICH EXISTS WHEN A FLOODPLAIN AREA  HAS  HIGH  WATER
 CONDITIONS,  EVEN  THOUGH  BELOW  THE FLOODPLAIN LEVEL, AND THE WATER IS
 STIRRED BY WIND OR OTHER CONDITIONS TO CAUSE  WAVES  WHICH  CREST  ABOVE
 FLOODPLAIN LEVEL.
   §  2.  This  act shall take effect on the ninetieth day after it shall
 have become a law.
 
 
 
  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.
                                                            LBD05903-01-5

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