News & Analysis as of

Flood Insurance

Cozen O'Connor

Certain Residential Leases Must Now Disclose Flood History and Risk

Cozen O'Connor on

Effective immediately, Section 231-B of New York Real Property Law (Section 231-B) has been amended to require that every existing and prospective residential lease provide a notice to the tenant related to the leased...more

Faegre Drinker Biddle & Reath LLP

National Flood Insurance Program: 2023 Refresher and Updates

As we enter the last quarter of a year that saw historic flooding across the country, including most recently in New York City, it is a good time to review the National Flood Insurance Program (NFIP) and highlight a few...more

Harris Beach PLLC

New York Revises Property Disclosure Forms to Address Flood Risk

Harris Beach PLLC on

New York home sellers now must disclose information about flood risk, flood history and flood insurance to potential buyers under legislation recently signed by Gov. Kathy Hochul, further amending the requirements of the...more

Ward and Smith, P.A.

The Aftermath: Recovering From a Hurricane - Update

Ward and Smith, P.A. on

Hope for the best and prepare for the worst—that's the best advice to protect yourself from hurricanes.  Despite our best efforts, there's no telling what these storms will bring when they blow through town....more

Hahn Loeser & Parks LLP

Lessons Learned from Hurricane Ian Can Maximize Idalia Insurance Recovery Efforts

The communities of Southwest Florida suffered a catastrophic blow in September of 2022 when Hurricane Ian decimated so much in its path. Now Hurricane Idalia brings yet another set of challenges to Southwest Floridians, who...more

Pillsbury - Gravel2Gavel Construction & Real...

Real Estate & Construction News Roundup (05/10/23) – Wobbling Real Estate, Booming (and Busting) Construction, and Eye-Watering...

In our latest roundup, the commercial real estate sector continues to wobble, construction booms and busts, flood insurance premiums reach eye-watering levels, and more. In its latest Financial Stability report, the Federal...more

Orrick, Herrington & Sutcliffe LLP

FDIC releases March enforcement actions

On April 28, the FDIC released a list of administrative enforcement actions taken against banks and individuals in March. The FDIC made public 11 orders including “four prohibition orders, three orders terminating deposit...more

Orrick, Herrington & Sutcliffe LLP

FDIC issues January enforcement actions

On February 24, the FDIC released a list of administrative enforcement actions taken against banks and individuals in January. The FDIC made public 11 orders, including “four combined orders of prohibition and orders to pay...more

McDermott Will & Emery

Insurance Protection Gaps: Searching for Solutions

McDermott Will & Emery on

Given the vast number of proposals to close “the protection gap” offered by regulators, reinsurers, insurers, brokers and other industry participants in recent years, it is a wonder that it persists. But to many observers, it...more

Orrick, Herrington & Sutcliffe LLP

FDIC issues December enforcement actions

On January 27, the FDIC released a list of administrative enforcement actions taken against banks and individuals in December. The FDIC made public nine orders, including “one order to pay civil money penalty, two consent...more

Woodruff Sawyer

Flood and Water Damage: Which Insurance Policy Do You Turn To?

Woodruff Sawyer on

The new year brought a series of ferocious storms that ravaged the California coast for weeks. By mid-January, this so-called “atmospheric river” caused at least eight million Californians to be under flood watch as wind and...more

Woodruff Sawyer

Managing the Risk of Floods

Woodruff Sawyer on

In the face of winter—and all the wet weather that comes with it—FEMA’s National Flood Insurance Program would like everyone to understand the risks of flooding. Flooding has occurred across many parts of the country (yes,...more

Woodruff Sawyer

Water, Water Everywhere: How to Prevent the Avoidable Home Flood

Woodruff Sawyer on

You’ve gone away on vacation, and return home to standing water, musty smells, and damaged property. A burst pipe has flooded your home—what do you do?...more

Adams and Reese LLP

Louisiana Issues Construction Code Changes, Effective Jan. 1, 2023

Adams and Reese LLP on

Businesses across the construction industry need to be aware that Louisiana has implemented updates and changes to its Louisiana State Uniform Construction Code, effective Jan. 1, 2023. The purpose of adopting and...more

Orrick, Herrington & Sutcliffe LLP

FDIC issues November enforcement actions

On December 30, the FDIC released a list of orders of administrative enforcement actions taken against banks and individuals in November. The FDIC made public nine orders consisting of “two consent orders; two orders...more

Bradley Arant Boult Cummings LLP

HUD Authorizes Acceptance of Private Flood Insurance for FHA-Insured Mortgages

Effective December 21, 2022, the Federal Housing Administration (FHA) amended its regulation at 24 C.F.R. § 203.16a to allow FHA borrowers to purchase private flood insurance for properties located in Special Flood Hazard...more

Mitchell, Williams, Selig, Gates & Woodyard,...

Flood History/Flood Risk: Southern Environmental Law Center Petition to North Carolina Real Estate Commission Addressing...

The Southern Environmental Law Center (“SELC”) submitted a Petition to the North Carolina Real Estate Commission asking that the North Carolina Residential Property and Owners’ Association Disclosure Statement (“Disclosure...more

Cozen O'Connor

Florida Begins New Era with Major Property Insurance Reforms

Cozen O'Connor on

For the fourth time since 2019, the Florida Legislature has enacted property insurance reforms aimed towards stabilizing a beleaguered insurance market. The bill, S.B. 2-A, creates a reinsurance assistance program,...more

Butler Weihmuller Katz Craig LLP

Wind v. Flood in the Wake of Hurricane Ian

In late September, 2022, Hurricane Ian made landfall in Southwest Florida and traveled across the state.  The storm brought with it significant storm surge that caused substantial flooding.  The storm also was accompanied by...more

Baker Donelson

Hurricane Ian: An Anticipated Flood and Windstorm of Litigation Over Flood and Windstorm

Baker Donelson on

In late September of 2022, Florida was again at the center of a historic natural disaster when Hurricane Ian made landfall along the Lee Island Coast as a strong Category 4 storm, leaving behind a wake of devastation....more

Alston & Bird

FHA Issues Final Rule on Acceptance of Private Flood Insurance Policies

Alston & Bird on

A&B ABstract: On November 21, 2022, the Federal Housing Administration (“FHA”) announced a final rule to provide for the acceptance of private flood insurance in connection with FHA-insured loans....more

Ballard Spahr LLP

HUD Issues Final Rule Permitting Private Flood Insurance with FHA Loans

Ballard Spahr LLP on

The U.S. Department of Housing Urban Development (HUD) recently issued a final rule permitting the use of private flood insurance policies with FHA-insured mortgage loans. HUD also issued Mortgagee Letter 2022-18 addressing...more

White and Williams LLP

Hurricane Ian: Discussing Wind-Water Disputes

White and Williams LLP on

Most of the Florida homes in the path of Hurricane Ian lack flood insurance, posing a major challenge to rebuilding efforts, new data show. In the counties whose residents were told to evacuate, just 18.5 percent of homes...more

White and Williams LLP

ISO’s Flood Exclusion Amendments and Hurricane Ian Claims

White and Williams LLP on

I understand that it may seem early to be addressing possible coverage issues, under homeowner’s policies, for the devastation in Florida caused by Hurricane Ian. At the moment, those affected are dealing with a major...more

J.S. Held

Flooding & Storm Surge: Understanding the Differences & Impacts

J.S. Held on

Flooding is the most common natural disaster in the United States, with every state having experienced some aspect of it in recent years1. Storm surge flooding, which occurs particularly in coastal areas as the result of...more

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