Pennsylvania HB 1718: An Act amending Title 18 (Crimes and Offenses) of the Pennsylvania Consolidated Statutes, in firearms and other dangerous articles, further providing for firearms not to be carried without a license.

Bill Text

PRIOR PRINTER'S NO. 2114 PRINTER'S NO. 2822
THE GENERAL ASSEMBLY OF PENNSYLVANIA
HOUSE BILL
No. 1718
Session of
2025
INTRODUCED BY RUSNOCK, PROBST, GUZMAN, SANCHEZ, SAMUELSON,
RIVERA, WEBSTER, HILL-EVANS, CEPEDA-FREYTIZ, NEILSON, WARREN
AND GREEN, JULY 10, 2025
AS REPORTED FROM COMMITTEE ON INSURANCE, HOUSE OF
REPRESENTATIVES, AS AMENDED, JANUARY 28, 2026
AN ACT
Amending Title 40 (Insurance) of the Pennsylvania Consolidated
Statutes, providing for flood insurance notification;
imposing duties on the Insurance Department; and imposing a
penalty.
The General Assembly of the Commonwealth of Pennsylvania
hereby enacts as follows:
Section 1. Title 40 of the Pennsylvania Consolidated
Statutes is amended by adding a chapter to read:
CHAPTER 52
FLOOD INSURANCE NOTIFICATION
Sec.
5201. Purpose of chapter.
5202. Definitions.
5203. Duties of insurers.
5204. Duties of department SURPLUS LINES LICENSEES .
5205. Enforcement REGULATIONS .
5206. Penalties.
§ 5201. Purpose of chapter.
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The purpose of this chapter is to require insurers to inform
individuals purchasing or renewing a homeowner's insurance
policy of the availability and cost of flood insurance coverage
to ensure that individuals are informed of the potential risks
and availability and cost of flood insurance coverage. AND
SURPLUS LINES LICENSEES TO SHARE INFORMATION ABOUT FLOOD RISKS
AND FLOOD INSURANCE WITH INDIVIDUALS PURCHASING OR RENEWING A
HOMEOWNER'S INSURANCE POLICY.
§ 5202. Definitions.
The following words and phrases when used in this chapter
shall have the meanings given to them in this section unless the
context clearly indicates otherwise:
"Department." The Insurance Department of the Commonwealth.
"Flood insurance policy ." An insurance policy which provides
coverage for damage to real or personal property that is caused
by flooding A NATURAL FLOOD EVENT .
"Homeowner's insurance policy." An insurance policy which
provides coverage for damage to real or personal property should
an event considered a covered loss occur. Homeowner's insurance
policies may be required by a mortgage lender. The term does not
include flood insurance.
"HOMEOWNER'S INSURANCE POLICY." A POLICY OF INSURANCE
COVERING AN OWNER-OCCUPIED PRIVATE RESIDENTIAL PROPERTY THAT
DOES NOT PROVIDE COVERAGE FOR DAMAGE CAUSED BY A NATURAL FLOOD
EVENT.
"Insurer." An entity licensed by the department that offers,
issues or renews a homeowner's insurance policy.
"Mortgage lender." As defined in 7 Pa.C.S. § 6102 (relating
to definitions).
"NATURAL FLOOD EVENT." A GENERAL AND TEMPORARY CONDITION OF
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PARTIAL OR COMPLETE INUNDATION OF TWO OR MORE ACRES OF NORMALLY
DRY LAND AREA OR OF TWO OR MORE PARCELS OF REAL PROPERTY, AT
LEAST ONE OF WHICH IS THE SUBJECT PROPERTY, FROM ANY OF THE
FOLLOWING:
(1) OVERFLOW OF INLAND OR TIDAL WATERS.
(2) UNUSUAL AND RAPID ACCUMULATION OR RUNOFF OF SURFACE
WATERS FROM ANY SOURCE.
(3) MUDFLOW.
(4) COLLAPSE OR SUBSIDENCE OF LAND ALONG THE SHORE OF A
LAKE OR SIMILAR BODY OF WATER AS A RESULT OF EROSION OR
UNDERMINING CAUSED BY WAVES OR CURRENTS OF WATER EXCEEDING
ANTICIPATED CYCLICAL LEVELS.
"SURPLUS LINES HOMEOWNER'S INSURANCE POLICY." A HOMEOWNER'S
INSURANCE POLICY ISSUED BY A NONADMITTED INSURER, AS DEFINED IN
SECTION 1602 OF THE ACT OF MAY 17, 1921 (P.L.682, NO.284), KNOWN
AS THE INSURANCE COMPANY LAW OF 1921.
"S URPLUS LINES LICENSEE." A PERSON LICENSED AS A SURPLUS
LINES PRODUCER UNDER SECTION 1615 OF THE INSURANCE COMPANY LAW
OF 1921 TO PLACE SURPLUS LINES INSURANCE WITH NONADMITTED
INSURERS ELIGIBLE TO ACCEPT THE INSURANCE.
§ 5203. Duties of insurers.
(a) Notice.--Beginning six months after the effective date
of this section, DISCLOSURE REQUIRED.--SUBJECT TO SUBSECTION
(B), an insurer that issues or renews a homeowner's insurance
policy in this Commonwealth shall, contemporaneously with the
issuance or renewal of the policy, provide written notice to the
policyholder regarding the availability of flood insurance.
Written notice under this section shall be provided via mail or
electronic communication.
(b) Contents.--The communication provided under this section
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must be sent in a stand-alone manner and not with any other
documents or policy-related materials.
§ 5204. Duties of department.
(a) Model disclosure.--The department shall create and
distribute a model disclosure form that insurers may use for the
purpose of notifying an individual purchasing or renewing a
homeowner's insurance policy of the ability to purchase flood
insurance. The form provided by the department shall include:
(1) A statement indicating that homeowner's insurance
policies do not typically include flood insurance.
(2) A general explanation of the potential risk of
flooding, even o