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Bill > A684
NJ A684
NJ A684Requires insurers that sell flood insurance to provide certain policyholders with certain information.
summary
Introduced
01/13/2026
01/13/2026
In Committee
01/13/2026
01/13/2026
Crossed Over
Passed
Dead
Introduced Session
2026-2027 Regular Session
Bill Summary
This bill requires insurers who sell flood insurance to provide to certain of their policyholders, who are claimants for damage to the insured property, information relating to claims for damage to their properties. More specifically, the bill stipulates that every insurer selling and advertising flood insurance in this State through the National Flood Insurance Program overseen by the Federal Emergency Management Agency shall provide to each of its flood insurance policyholders who held such policy on October 28, 2012, and is a claimant for damage to the insured property, copies of all reports and documents, including any drafts, redlines, markups, notes, measurements, photographs and written communications related thereto, that have been prepared, collected or taken by any engineer, adjustor or other agent or contractor affiliated with the insurer or any other defendant in a claim dispute, relating to the properties and damage at issue. The date of October 28, 2012, enumerated in the bill, corresponds to the date that Superstorm Sandy struck New Jersey and surrounding areas.
AI Summary
This bill requires insurance companies that sell flood insurance in New Jersey, specifically through the National Flood Insurance Program which is managed by the Federal Emergency Management Agency (FEMA), to provide detailed information to policyholders who experienced damage to their insured property and are filing a claim. This requirement applies to policyholders who had flood insurance on October 28, 2012, the date of Superstorm Sandy, and are now claiming damages. The insurers must give these policyholders copies of all reports, documents, including drafts and notes, measurements, photographs, and written communications that were created by engineers, adjusters, or other agents or contractors working for the insurer or any other party involved in a dispute related to the property damage. Furthermore, if the Commissioner of Banking and Insurance finds that an insurer repeatedly violates these provisions as a standard business practice, they can impose civil penalties of up to $2,500 for the first offense and up to $5,000 for each subsequent offense.
Committee Categories
Business and Industry
Sponsors (2)
Last Action
Introduced, Referred to Assembly Financial Institutions and Insurance Committee (on 01/13/2026)
Official Document
bill text
bill summary
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bill summary
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bill summary
| Document Type | Source Location |
|---|---|
| State Bill Page | https://www.njleg.state.nj.us/bill-search/2026/A684 |
| BillText | https://pub.njleg.gov/Bills/2026/A1000/684_I1.HTM |
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