Bill > A06807

This bill requires insurance companies that provide coverage for properties located in floodplains to include damages caused by windblown waves or wave action in their homeowners insurance policies for single-family homes. The bill defines "windblown waves" or "wave action" as a condition where high water exists in a floodplain area, even if the water is below the floodplain level, and wind or other conditions cause waves that crest above the floodplain level. The insurance coverage must include the residence and related structures such as garages, boat docks, restraining walls, boat houses, and break walls that are used to prevent or minimize wave or water damage. This legislation aims to provide more comprehensive flood-related insurance protection for homeowners in floodplain areas, ensuring they are covered for wave-related damages that might not have been previously included in standard policies. The bill will go into effect 90 days after it becomes law.

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https://www.nysenate.gov/legislation/bills/2025/A6807