Section 407:23-a - Flood Damage; Notice to PolicyholderI. Every insurer issuing a homeowner, condominium unit owner, residential tenant, and residential fire insurance policy that does not cover damage caused by flood shall notify the policyholder that the policy does not cover damage caused by flood. The notice shall also inform the policyholder how to contact the National Flood Insurance Program (NFIP) or the NFIP's agents. The notice may be included with other materials sent to the policyholder, as a separate document or included on the declarations page of the policy. The notice shall be provided: (a) At the time the policy is issued; and(b) At the time the policy is renewed.II. The following statement, or language substantially similar, when combined with current information about how to contact the NFIP or its agent, satisfies the notice requirements of this section: "This policy does not cover damage to your property caused by flooding. The federal government offers flood insurance through the National Flood Insurance Program to residents of communities that participate in its program. You can learn more about the National Flood Insurance Program at www.floodsmart.gov or by calling (888)379-9531."
III. The failure to comply with this section shall not invalidate a flood exclusion, or any other exclusion, in an insurance policy subject to this section.Added by 2014, 52:1, eff. 1/1/2015. 2014, 52:1, eff. Jan. 1, 2015.