New York A 6807: Relates to requiring insurers insuring property in floodplains to include damages done by wave action or windblown waves

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A06807 Summary:

BILL NOA06807 

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SAME ASNo Same As

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SPONSORPretlow

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COSPNSR

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MLTSPNSR

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Add §2351-a, Ins L

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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.

Go to top A06807 Actions:

BILL NOA06807 

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03/14/2025referred to insurance

01/07/2026referred to insurance

Go to topA06807 Committee&nbspVotes:

Go to topA06807 Floor&nbspVotes:

There are no Assembly votes for this bill in this legislative session.

Go to topA06807 Text:

 STATE OF NEW YORK
 ________________________________________________________________________

 6807

 2025-2026 Regular Sessions

 IN ASSEMBLY

 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:

 1 Section 1. The insurance law is amended by adding a new section 2351-a
 2 to read as follows:
 3 § 2351-a. Floodplain insurance, wave damage. (a) Any insurer which
 4 insures property in a floodplain shall make available to all insureds
 5 who reside in single family homes in the floodplain coverage under their
 6 homeowners' insurance policy for damages caused by windblown waves or
 7 wave action. Such policies shall cover the residence and any appurte-
 8 nances thereto, including, but not limited to, garages, boat docks,
 9 restraining walls, boat houses, break walls and any other device used to
 10 prevent or minimize wave or water damage to real property.
 11 (b) As used in this section, "windblown waves" or "wave action" shall
 12 mean the condition which exists when a floodplain area has high water
 13 conditions, even though below the floodplain level, and the water is
 14 stirred by wind or other conditions to cause waves which crest above
 15 floodplain level.
 16 § 2. This act shall take effect on the ninetieth day after it shall
 17 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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