Connecticut Insurance Department Issues Carrier Flood Disclosure Bulletin
The Connecticut Insurance Department (CID) has issued Bulletin PC-93-25, which instructs carriers, pursuant to Public Act No, 25-33, to include a flood insurance policy disclosure notice in homeowners and renters policies. Policies must state that flood losses are not covered by such policies and that flood insurance coverage is available via a separate policy.
The statement is required for new and renewal policies effective on or after July 1, 2026. The CID encourages carriers to include the notice on the declarations page but allows the notice to be placed elsewhere in policies, if it is prominent and in a larger type size than surrounding text.
Big I Connecticut took a leading role in working with policy makers to strategize on ways to better inform consumers about flood insurance availability. Agents and brokers are encouraged to continue engaging customers about flood insurance. The recent tragic flooding in Texas and the approaching 1-year anniversary of serious flooding in Connecticut serve as a stark reminder that flooding can affect a variety of properties, regardless of proximity to water.
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