Topic
flood insurance
329 published works
Zalma on Insurance
NFIP Suit Barred Because of Late Filing
By Barry Zalma
National Flood Insurance Policy Limits Suit to One Year After Partial Denial Post number 5391 NFIP Claims are Governed by Federal Law Because the NFIP is a Federal Program In…
Zalma on Insurance
Flood Policy Condition Effective
By Barry Zalma
Flood Policy Limitation of Action Provision Destroys Bad Faith Suit Post number 5376 Flood Policy Limitation of Action Provision Followed Strictly In Wayne Gularte, et al. v. Wright National Flood…
Zalma on Insurance
NFPA Strictly Enforces Conditions
By Barry Zalma
Denial of Flood Claim Starts the Limitation Period Running Post number 5324 See the video at https://rumble.com/v78t566-nfpa-strictly-enforces-conditions.html and at https://youtu.be/UyUPPtbZWOk Unlike Insurance Companies the NFPA is Enforced Strictly…
Florida Condo & HOA Law Blog
Important Differences Between Flood and Windstorm Insurance. Is Your Association Adequately Protected When the Next Major Storm Hits?
Boards of Directors of community associations have a fiduciary duty to its members, and one of the Board’s duties is the protection of the association’s physical assets. In Florida, the…
Insurance Law Hawaii
Substantial Evidence of Flood Loss is Not a Substitute for Required Proof of Loss
The court found that the insurer properly denied the insured's claim for loss due to flood because a proof of loss was never submitted. Bay Haven at Coco Bay Condominium…
Florida Condo & HOA Law Blog
New Law Requires Flood History Disclosure
By Joseph Adams
Q: I own a condominium unit in Florida that I rent out. I heard there is a new law about disclosing flood history to my tenants. I personally have not…
Zalma on Insurance
FEMA Is Not an Insurance Company
By Barry Zalma
The National Flood Insurance Program is not Insurance but is a Government Entity Post 5235 See the video at https://rumble.com/v72chd4-fema-is-not-an-insurance-company.html and at https://youtu.be/-fBPc0vzFNw A Suit Against the NFPA Must be…
Consumer Finance Monitor
NFIP reauthorization included in spending bill
The legislation reopening the government signed by President Trump, H.R. 5731, also reauthorizes the National Flood Insurance Program (NFIP) until January 30, 2026, the same day the spending measure lapses.…
Zalma on Insurance
One Year Suit Limitation Defeats Suit Filed Two Years After Denial of Claim
By Barry Zalma
National Flood Policy Bars Late Filed Suit Post 5221 See the video at https://rumble.com/v7162w6-one-year-suit-limitation-defeats-suit-filed-two-years-after-denial-of-claim.html and at https://youtu.be/ZG-tshtSe7U No Excuse for Late Flood Suit After Claim Denial In Domenico D’ambrosio, Michele…
Consumer Finance Monitor
Banks may still make loans that would otherwise be subject to flood insurance even though program has lapsed, regulators say
By Richard J. Andreano, Jr., John L. Culhane, Jr.
Financial institutions may continue to make loans that would otherwise be subject to federal flood insurance statutes even though the authorization for the National Flood Insurance Program (NFIP) has lapsed,…