Fla. Stat. 627.7155
Wind and flood coverage in residential and commercial property insurance policies

(1)

If a residential or commercial property insurer requires that an insured or applicant have coverage for the peril of flood when the insurer issues a policy covering the peril of wind, unless the insurer verifies that the insured or applicant has coverage for the peril of flood at the time the policy was issued or renewed, the insurer may not deny a claim for wind solely because the insured does not have coverage for the peril of flood, unless flood coverage that was verified at the time of application or renewal, or equivalent coverage, is not in force at the time of the loss.

(2)

In addition to coverage for the peril of flood directly secured by the insured or applicant, a master flood policy that is issued to someone other than the insured or applicant and that includes the insured or applicant as an intended or third-party beneficiary under the master flood policy is acceptable proof of coverage for the peril of flood for the purposes of this section.

Source: Section 627.7155 — Wind and flood coverage in residential and commercial property insurance policies, https://www.­flsenate.­gov/Laws/Statutes/2024/0627.­7155 (accessed Aug. 7, 2025).

627.701
Liability of insureds 627.702
Valued policy law 627.705
Return of unearned premium on overinsured personal property 627.706
Sinkhole insurance 627.707
Investigation of sinkhole claims 627.711
Notice of premium discounts for hurricane loss mitigation 627.712
Residential windstorm coverage required 627.713
Report of hurricane loss data 627.714
Residential condominium unit owner coverage 627.715
Flood insurance 627.7011
Homeowners’ policies 627.7015
Alternative procedure for resolution of disputed property insurance claims 627.7016
Insurer contracts with building contractors 627.7017
Hurricane loss mitigation projects 627.7018
Standards for determining risk of coverage 627.7019
Standardization of requirements applicable to insurers after natural disasters 627.7061
Coverage inquiries 627.7063
Building code effectiveness grading schedule 627.7072
Testing standards for sinkholes 627.7073
Sinkhole reports 627.7074
Alternative procedure for resolution of disputed sinkhole insurance claims 627.7142
Homeowner Claims Bill of Rights 627.7151
Limited sinkhole coverage insurance 627.7152
Assignment agreements 627.7153
Policies restricting assignment of post-loss benefits under a property insurance policy 627.7154
Property Insurer Stability Unit 627.7155
Wind and flood coverage in residential and commercial property insurance policies 627.70121
Payment of claims for dual interest property 627.70131
Insurer’s duty to acknowledge communications regarding claims 627.70132
Notice of property insurance claim 627.70151
Appraisal 627.70152
Suits arising under a property insurance policy 627.70153
Consolidation of residential property insurance actions 627.70154
Mandatory binding arbitration 627.70161
Family day care insurance

Current through Fall 2025

§ 627.7155. Wind & flood coverage in residential and commercial property insurance policies's source at flsenate​.gov