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Home Source documents PCS for CS/HB 1015 — Act Relating to Flood Disclosures (Commerce Committee, 2025)

PCS for CS/HB 1015 — Act Relating to Flood Disclosures (Commerce Committee, 2025)

Summary

PCS for CS/HB 1015 2025 is a bill to be entitled an act relating to flood disclosures. A new Florida Statutes section requires a landlord to complete and provide a flood disclosure, in a document separate from the rental agreement, to a prospective tenant at or before execution of a rental agreement for a term of 1 year or longer. Similar disclosures are required of condominium and cooperative developers and mobile home park owners. A mobile home lessee who suffers substantial loss or damage from flooding may terminate the lot rental agreement by written notice no later than 30 days after the damage, and the act takes effect October 1, 2025.

Summary drafted by a model from the document's text below and checked by script against that text before publication. It is a navigation aid, not a reading of what the document proves. Where AI is used

Cite this document

“PCS for CS/HB 1015 — Act Relating to Flood Disclosures (Commerce Committee, 2025).” Archived at Pandemic Darlings, https://pandemicdarlings.com/source-documents/2025-3285-commerce-committee-proposed-committee-bills-pcbs-fn-pcs-for-91f4e22ad8/, SHA-256 d588a7d054df12af66b201cb4a4f7a8e42a2c96f3ddfabf9cd29f25d3b049d7b.

Full text

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           PCS for CS/HB 1015                                                                                   2025




    1                                         A bill to be entitled
    2              An act relating to flood disclosures; creating s.
    3              83.512, F.S.; requiring a landlord of residential real
    4              property to provide specified information to a
    5              prospective tenant at or before the time the rental
    6              agreement is executed; specifying how such information
    7              must be disclosed; defining the term "flooding";
    8              providing that if a landlord fails to disclose flood
    9              information truthfully and a tenant suffers
10                 substantial loss or damage, the tenant may terminate
11                 the rental agreement by giving a written notice of
12                 termination and surrendering possession of the
13                 premises to the landlord within a specified timeframe;
14                 defining the term "substantial loss"; requiring a
15                 landlord to refund the tenant all amounts paid in
16                 advance for any period after the effective date of the
17                 termination of the rental agreement; providing that a
18                 tenant is still liable for any sum owed to the
19                 landlord before the termination of the rental
20                 agreement; amending s. 689.302, F.S.; revising the
21                 flood information that must be disclosed to
22                 prospective purchasers of residential real property;
23                 amending ss. 718.503 and 719.503, F.S.; requiring a
24                 developer of a residential condominium unit or a
25                 residential cooperative unit to provide specified

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        PCS for CS/HB 1015                                                                                   2025




26              information to a prospective purchaser at or before
27              the time the sales contract is executed; specifying
28              how such information must be disclosed; defining the
29              term "flooding"; amending s. 723.011, F.S.; requiring
30              a mobile home park owner to provide specified
31              information to a prospective lessee at or before the
32              time the rental agreement is executed; specifying how
33              such information must be disclosed; defining the term
34              "flooding"; providing that if a mobile home park owner
35              fails to disclose flood information truthfully and a
36              lessee suffers substantial loss or damage, the lessee
37              may terminate the rental agreement by giving a written
38              notice of termination to the mobile home park owner
39              within a specified timeframe; defining the term
40              "substantial loss"; requiring a mobile home park owner
41              to refund the lessee all amounts paid in advance for
42              any period after the effective date of the termination
43              of the rental agreement; providing that a lessee is
44              still liable for any sum owed to the mobile home park
45              owner before the termination of the rental agreement;
46              providing an effective date.
47
48      Be It Enacted by the Legislature of the State of Florida:
49
50              Section 1.         Section 83.512, Florida Statutes, is created to

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        PCS for CS/HB 1015                                                                                   2025




51      read:
52              83.512         Disclosure of flood risks to prospective tenant of
53      residential real property.—
54              (1)       A landlord must complete and provide a flood
55      disclosure to a prospective tenant of residential real property
56      at or before the execution of a rental agreement for a term of 1
57      year or longer. The flood disclosure must be in a separate
58      document from the rental agreement. The flood disclosure must be
59      made in substantially the following form:
60
61                                             FLOOD DISCLOSURE
62              Flood Insurance: Renters' insurance policies do not
63              include coverage for damage resulting from floods.
64              Tenant is encouraged to discuss the need to purchase
65              separate flood insurance coverage with Tenant's
66              insurance agent.
67                        1.   Landlord is ☐ is not ☐ aware of damage to the
68              dwelling unit caused by flooding during the landlord's
69              ownership of the property.
70                        2.   Landlord has ☐ has not ☐ filed a claim with
71              an insurance provider relating to flood damage to the
72              dwelling unit, including, but not limited to, a claim
73              with the National Flood Insurance Program.
74                        3.   Landlord has ☐ has not ☐ received assistance
75              for flood damage to the dwelling unit, including, but

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         PCS for CS/HB 1015                                                                                   2025




76               not limited to, assistance from the Federal Emergency
77               Management Agency.
78                         4.   For purposes of this disclosure, the term
79               "flooding" means a general or temporary condition of
80               partial or complete inundation of the dwelling unit
81               caused by any of the following:
82                         a.   The overflow of inland or tidal waters.
83                         b.   The unusual and rapid accumulation of runoff
84               or surface waters from any established water source,
85               such as a river, stream, or drainage ditch.
86                         c.   Sustained periods of standing water resulting
87               from rainfall.
88
89               (2)       If a landlord violates this section and a tenant
90       suffers a substantial loss or damage to the tenant's personal
91       property as a result of flooding, the tenant may terminate the
92       rental agreement by giving a written notice of termination and
93       surrendering possession of the premises to the landlord no later
94       than 30 days after the date of the damage or loss. Termination
95       of a rental agreement under this section is effective upon the
96       tenant surrendering possession of the property. For purposes of
97       this section, the term "substantial loss or damage" means the
98       total cost of repairs to or replacement of the personal property
99       is 50 percent or more of the personal property's market value on
100      the date the flooding occurred.

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         PCS for CS/HB 1015                                                                                   2025




101              (3)       A landlord shall refund the tenant all rent or other
102      amounts paid in advance under the rental agreement for any
103      period after the effective date of the termination of the rental
104      agreement.
105              (4)       This section does not affect a tenant's liability for
106      delinquent, unpaid rent or other sums owed to the landlord
107      before the date the rental agreement was terminated by the
108      tenant under this section.
109              Section 2.           Section 689.302, Florida Statutes, is amended
110      to read:
111              689.302         Disclosure of flood risks to prospective
112      purchaser.—A seller must complete and provide a flood disclosure
113      to a purchaser of residential real property at or before the
114      time the sales contract is executed. The flood disclosure must
115      be made in the following form:
116
117                                               FLOOD DISCLOSURE
118              Flood Insurance: Homeowners' insurance policies do not
119              include coverage for damage resulting from floods.
120              Buyer is encouraged to discuss the need to purchase
121              separate flood insurance coverage with Buyer's
122              insurance agent.
123                        (1)       Seller is ☐ is not ☐ aware of damage to the
124              property caused by flooding during the Seller's
125              ownership of the property.

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         PCS for CS/HB 1015                                                                                   2025




126                        (2)(1)         Seller has ☐ has not ☐ filed a claim with
127              an insurance provider relating to flood damage on the
128              property, including, but not limited to, a claim with
129              the National Flood Insurance Program.
130                        (3)(2)         Seller has ☐ has not ☐ received federal
131              assistance for flood damage to the property,
132              including, but not limited to, assistance from the
133              Federal Emergency Management Agency.
134                        (4)(3)         For the purposes of this disclosure, the
135              term "flooding" means a general or temporary condition
136              of partial or complete inundation of the property
137              caused by any of the following:
138                        (a)       The overflow of inland or tidal waters.
139                        (b)       The unusual and rapid accumulation of runoff
140              or surface waters from any established water source,
141              such as a river, stream, or drainage ditch.
142                        (c)       Sustained periods of standing water
143              resulting from rainfall.
144
145              Section 3.            Paragraph (a) of subsection (1) of section
146      718.503, Florida Statutes, is amended to read:
147              718.503         Developer disclosure prior to sale; nondeveloper
148      unit owner disclosure prior to sale; voidability.—
149              (1)       DEVELOPER DISCLOSURE.—
150              (a)       Contents of contracts.—Any contract for the sale of a

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         PCS for CS/HB 1015                                                                                   2025




151      residential unit or a lease thereof for an unexpired term of
152      more than 5 years shall:
153              1.      Contain the following legend in conspicuous type:
154
155              THIS AGREEMENT IS VOIDABLE BY BUYER BY DELIVERING
156              WRITTEN NOTICE OF THE BUYER'S INTENTION TO CANCEL
157              WITHIN 15 DAYS AFTER THE DATE OF EXECUTION OF THIS
158              AGREEMENT BY THE BUYER, AND RECEIPT BY BUYER OF ALL OF
159              THE ITEMS REQUIRED TO BE DELIVERED TO HIM OR HER BY
160              THE DEVELOPER UNDER SECTION 718.503, FLORIDA STATUTES.
161              THIS AGREEMENT IS ALSO VOIDABLE BY BUYER BY DELIVERING
162              WRITTEN NOTICE OF THE BUYER'S INTENTION TO CANCEL
163              WITHIN 15 DAYS AFTER THE DATE OF RECEIPT FROM THE
164              DEVELOPER OF ANY AMENDMENT WHICH MATERIALLY ALTERS OR
165              MODIFIES THE OFFERING IN A MANNER THAT IS ADVERSE TO
166              THE BUYER. ANY PURPORTED WAIVER OF THESE VOIDABILITY
167              RIGHTS SHALL BE OF NO EFFECT. BUYER MAY EXTEND THE
168              TIME FOR CLOSING FOR A PERIOD OF NOT MORE THAN 15 DAYS
169              AFTER THE BUYER HAS RECEIVED ALL OF THE ITEMS
170              REQUIRED. BUYER'S RIGHT TO VOID THIS AGREEMENT SHALL
171              TERMINATE AT CLOSING. FIGURES CONTAINED IN ANY BUDGET
172              DELIVERED TO THE BUYER PREPARED IN ACCORDANCE WITH THE
173              CONDOMINIUM ACT ARE ESTIMATES ONLY AND REPRESENT AN
174              APPROXIMATION OF FUTURE EXPENSES BASED ON FACTS AND
175              CIRCUMSTANCES EXISTING AT THE TIME OF THE PREPARATION

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         PCS for CS/HB 1015                                                                                   2025




176              OF THE BUDGET BY THE DEVELOPER. ACTUAL COSTS OF SUCH
177              ITEMS MAY EXCEED THE ESTIMATED COSTS. SUCH CHANGES IN
178              COST DO NOT CONSTITUTE MATERIAL ADVERSE CHANGES IN THE
179              OFFERING.
180
181              2.      Contain the following caveat in conspicuous type on the
182      first page of the contract:
183
184              ORAL REPRESENTATIONS CANNOT BE RELIED UPON AS
185              CORRECTLY STATING THE REPRESENTATIONS OF THE
186              DEVELOPER. FOR CORRECT REPRESENTATIONS, REFERENCE
187              SHOULD BE MADE TO THIS CONTRACT AND THE DOCUMENTS
188              REQUIRED BY SECTION 718.503, FLORIDA STATUTES, TO BE
189              FURNISHED BY A DEVELOPER TO A BUYER OR LESSEE.
190
191              3.      If the unit has been occupied by someone other than the
192      buyer, contain a statement that the unit has been occupied.
193              4.      If the contract is for the sale or transfer of a unit
194      subject to a lease, include as an exhibit a copy of the executed
195      lease and shall contain within the text in conspicuous type:
196      "THE UNIT IS SUBJECT TO A LEASE (OR SUBLEASE)."
197              5.      If the contract is for the lease of a unit for a term
198      of 5 years or more, include as an exhibit a copy of the proposed
199      lease.
200              6.      If the contract is for the sale or lease of a unit that

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         PCS for CS/HB 1015                                                                                   2025




201      is subject to a lien for rent payable under a lease of a
202      recreational facility or other commonly used facility, contain
203      within the text the following statement in conspicuous type:
204
205              THIS CONTRACT IS FOR THE TRANSFER OF A UNIT THAT IS
206              SUBJECT TO A LIEN FOR RENT PAYABLE UNDER A LEASE OF
207              COMMONLY USED FACILITIES. FAILURE TO PAY RENT MAY
208              RESULT IN FORECLOSURE OF THE LIEN.
209
210              7.      State the name and address of the escrow agent required
211      by s. 718.202 and state that the purchaser may obtain a receipt
212      for his or her deposit from the escrow agent upon request.
213              8.      If the contract is for the sale or transfer of a unit
214      in a condominium in which timeshare estates have been or may be
215      created, contain within the text in conspicuous type: "UNITS IN
216      THIS CONDOMINIUM ARE SUBJECT TO TIMESHARE ESTATES." The contract
217      for the sale of a fee interest in a timeshare estate shall also
218      contain, in conspicuous type, the following:
219
220              FOR THE PURPOSE OF AD VALOREM TAXES OR SPECIAL
221              ASSESSMENTS LEVIED BY TAXING AUTHORITIES AGAINST A FEE
222              INTEREST IN A TIMESHARE ESTATE, THE MANAGING ENTITY IS
223              GENERALLY CONSIDERED THE TAXPAYER UNDER FLORIDA LAW.
224              YOU HAVE THE RIGHT TO CHALLENGE AN ASSESSMENT BY A
225              TAXING AUTHORITY RELATING TO YOUR TIMESHARE ESTATE

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         PCS for CS/HB 1015                                                                                   2025




226              PURSUANT TO THE PROVISIONS OF CHAPTER 194, FLORIDA
227              STATUTES.
228
229              9.      Contain within the text the following statement in
230      conspicuous type:
231
232              HOMEOWNERS' INSURANCE POLICIES DO NOT INCLUDE COVERAGE
233              FOR DAMAGE RESULTING FROM FLOODING. BUYER IS
234              ENCOURAGED TO DISCUSS THE NEED TO PURCHASE SEPARATE
235              FLOOD INSURANCE COVERAGE WITH BUYER'S INSURANCE AGENT.
236
237              DEVELOPER IS ☐ IS NOT ☐. AWARE OF DAMAGE TO THE
238              PROPERTY CAUSED BY FLOODING DURING THE DEVELOPER'S
239              OWNERSHIP OF THE PROPERTY.
240
241              DEVELOPER HAS ☐ HAS NOT ☐ FILED A CLAIM WITH AN
242              INSURANCE PROVIDER RELATING TO FLOOD DAMAGE ON THE
243              PROPERTY OR COMMON ELEMENTS, INCLUDING, BUT NOT
244              LIMITED TO, A CLAIM WITH THE NATIONAL FLOOD INSURANCE
245              PROGRAM.
246
247              DEVELOPER HAS ☐ HAS NOT ☐ RECEIVED ASSISTANCE FOR
248              FLOOD DAMAGE TO THE PROPERTY OR COMMON ELEMENTS,
249              INCLUDING, BUT NOT LIMITED TO, ASSISTANCE FROM THE
250              FEDERAL EMERGENCY MANAGEMENT AGENCY.

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         PCS for CS/HB 1015                                                                                   2025




251
252              FOR THE PURPOSES OF THIS DISCLOSURE, THE TERM
253              "FLOODING" MEANS A GENERAL OR TEMPORARY CONDITION OF
254              PARTIAL OR COMPLETE INUNDATION OF THE PROPERTY OR
255              COMMON ELEMENTS CAUSED BY THE OVERFLOW OF INLAND OR
256              TIDAL WATERS; THE UNUSUAL AND RAPID ACCUMULATION OF
257              RUNOFF OR SURFACE WATERS FROM ANY ESTABLISHED WATER
258              SOURCE, SUCH AS A RIVER, STREAM, OR DRAINAGE DITCH; OR
259              SUSTAINED PERIODS OF STANDING WATER RESULTING FROM
260              RAINFALL.
261
262              Section 4.         Paragraph (a) of subsection (1) of section
263      719.503, Florida Statutes, is amended to read:
264              719.503       Disclosure prior to sale.—
265              (1)       DEVELOPER DISCLOSURE.—
266              (a)       Contents of contracts.—Any contracts for the sale of a
267      unit or a lease thereof for an unexpired term of more than 5
268      years shall contain:
269              1.      The following legend in conspicuous type:
270
271              THIS AGREEMENT IS VOIDABLE BY BUYER BY DELIVERING
272              WRITTEN NOTICE OF THE BUYER'S INTENTION TO CANCEL
273              WITHIN 15 DAYS AFTER THE DATE OF EXECUTION OF THIS
274              AGREEMENT BY THE BUYER, AND RECEIPT BY BUYER OF ALL OF
275              THE ITEMS REQUIRED TO BE DELIVERED TO HIM OR HER BY

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         PCS for CS/HB 1015                                                                                   2025




276              THE DEVELOPER UNDER SECTION 719.503, FLORIDA STATUTES.
277              THIS AGREEMENT IS ALSO VOIDABLE BY BUYER BY DELIVERING
278              WRITTEN NOTICE OF THE BUYER'S INTENTION TO CANCEL
279              WITHIN 15 DAYS AFTER THE DATE OF RECEIPT FROM THE
280              DEVELOPER OF ANY AMENDMENT WHICH MATERIALLY ALTERS OR
281              MODIFIES THE OFFERING IN A MANNER THAT IS ADVERSE TO
282              THE BUYER. ANY PURPORTED WAIVER OF THESE VOIDABILITY
283              RIGHTS SHALL BE OF NO EFFECT. BUYER MAY EXTEND THE
284              TIME FOR CLOSING FOR A PERIOD OF NOT MORE THAN 15 DAYS
285              AFTER THE BUYER HAS RECEIVED ALL OF THE ITEMS
286              REQUIRED. BUYER'S RIGHT TO VOID THIS AGREEMENT SHALL
287              TERMINATE AT CLOSING. FIGURES CONTAINED IN ANY BUDGET
288              DELIVERED TO THE BUYER PREPARED IN ACCORDANCE WITH THE
289              COOPERATIVE ACT ARE ESTIMATES ONLY AND REPRESENT AN
290              APPROXIMATION OF FUTURE EXPENSES BASED ON FACTS AND
291              CIRCUMSTANCES EXISTING AT THE TIME OF THE PREPARATION
292              OF THE BUDGET BY THE DEVELOPER. ACTUAL COSTS OF SUCH
293              ITEMS MAY EXCEED THE ESTIMATED COSTS. SUCH CHANGES IN
294              COST DO NOT CONSTITUTE MATERIAL ADVERSE CHANGES IN THE
295              OFFERING.
296
297              2.      The following caveat in conspicuous type shall be
298      placed upon the first page of the contract:
299
300              ORAL REPRESENTATIONS CANNOT BE RELIED UPON AS

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         PCS for CS/HB 1015                                                                                   2025




301              CORRECTLY STATING THE REPRESENTATIONS OF THE
302              DEVELOPER. FOR CORRECT REPRESENTATIONS, REFERENCE
303              SHOULD BE MADE TO THIS CONTRACT AND THE DOCUMENTS
304              REQUIRED BY SECTION 719.503, FLORIDA STATUTES, TO BE
305              FURNISHED BY A DEVELOPER TO A BUYER OR LESSEE.
306
307              3.      If the unit has been occupied by someone other than the
308      buyer, a statement that the unit has been occupied.
309              4.      If the contract is for the sale or transfer of a unit
310      subject to a lease, the contract shall include as an exhibit a
311      copy of the executed lease and shall contain within the text in
312      conspicuous type: "THE UNIT IS SUBJECT TO A LEASE (OR
313      SUBLEASE)."
314              5.      If the contract is for the lease of a unit for a term
315      of 5 years or more, the contract shall include as an exhibit a
316      copy of the proposed lease.
317              6.      If the contract is for the sale or lease of a unit that
318      is subject to a lien for rent payable under a lease of a
319      recreational facility or other common areas, the contract shall
320      contain within the text the following statement in conspicuous
321      type: "THIS CONTRACT IS FOR THE TRANSFER OF A UNIT THAT IS
322      SUBJECT TO A LIEN FOR RENT PAYABLE UNDER A LEASE OF COMMON
323      AREAS. FAILURE TO PAY RENT MAY RESULT IN FORECLOSURE OF THE
324      LIEN."
325              7.      The contract shall state the name and address of the

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         PCS for CS/HB 1015                                                                                   2025




326      escrow agent required by s. 719.202 and shall state that the
327      purchaser may obtain a receipt for his or her deposit from the
328      escrow agent, upon request.
329              8.      If the contract is for the sale or transfer of a unit
330      in a cooperative in which timeshare estates have been or may be
331      created, the following text in conspicuous type: "UNITS IN THIS
332      COOPERATIVE ARE SUBJECT TO TIMESHARE ESTATES." The contract for
333      the sale of a timeshare estate must also contain, in conspicuous
334      type, the following:
335
336              FOR THE PURPOSE OF AD VALOREM TAXES OR SPECIAL
337              ASSESSMENTS LEVIED BY TAXING AUTHORITIES AGAINST A
338              TIMESHARE ESTATE, THE MANAGING ENTITY IS GENERALLY
339              CONSIDERED THE TAXPAYER UNDER FLORIDA LAW. YOU HAVE
340              THE RIGHT TO CHALLENGE AN ASSESSMENT BY A TAXING
341              AUTHORITY RELATING TO YOUR TIMESHARE ESTATE PURSUANT
342              TO THE PROVISIONS OF CHAPTER 194, FLORIDA STATUTES.
343
344              9.      Contain within the text the following statement in
345      conspicuous type:
346
347              HOMEOWNERS' INSURANCE POLICIES DO NOT INCLUDE COVERAGE
348              FOR DAMAGE RESULTING FROM FLOODING. BUYER IS
349              ENCOURAGED TO DISCUSS THE NEED TO PURCHASE SEPARATE
350              FLOOD INSURANCE COVERAGE WITH BUYER'S INSURANCE AGENT.

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         PCS for CS/HB 1015                                                                                   2025




351
352              DEVELOPER IS ☐ IS NOT ☐ AWARE OF DAMAGE TO THE
353              PROPERTY CAUSED BY FLOODING DURING THE DEVELOPER'S
354              OWNERSHIP OF THE PROPERTY.
355
356              DEVELOPER HAS ☐ HAS NOT ☐ FILED A CLAIM WITH AN
357              INSURANCE PROVIDER RELATING TO FLOOD DAMAGE ON THE
358              PROPERTY OR COMMON ELEMENTS, INCLUDING, BUT NOT
359              LIMITED TO, A CLAIM WITH THE NATIONAL FLOOD INSURANCE
360              PROGRAM.
361
362              DEVELOPER HAS ☐ HAS NOT ☐ RECEIVED ASSISTANCE FOR
363              FLOOD DAMAGE TO THE PROPERTY OR COMMON ELEMENTS,
364              INCLUDING, BUT NOT LIMITED TO, ASSISTANCE FROM THE
365              FEDERAL EMERGENCY MANAGEMENT AGENCY.
366
367              FOR THE PURPOSES OF THIS DISCLOSURE, THE TERM
368              "FLOODING" MEANS A GENERAL OR TEMPORARY CONDITION OF
369              PARTIAL OR COMPLETE INUNDATION OF THE PROPERTY OR
370              COMMON ELEMENTS CAUSED BY THE OVERFLOW OF INLAND OR
371              TIDAL WATERS; THE UNUSUAL AND RAPID ACCUMULATION OF
372              RUNOFF OR SURFACE WATERS FROM ANY ESTABLISHED WATER
373              SOURCE, SUCH AS A RIVER, STREAM, OR DRAINAGE DITCH; OR
374              SUSTAINED PERIODS OF STANDING WATER RESULTING FROM
375              RAINFALL.

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         PCS for CS/HB 1015                                                                                   2025




376
377              Section 5.         Subsection (6) is added to section
378      723.011, Florida Statutes, to read:
379              723.011         Disclosure prior to rental of a mobile home
380      lot; prospectus, filing, approval.—
381              (6)(a)         A mobile home park owner must complete and
382      provide a flood disclosure to a prospective lessee of a
383      mobile home lot. Delivery must be made before execution of
384      the lot rental agreement or at the time of occupancy,
385      whichever occurs first. The flood disclosure must be in a
386      separate document from the lot rental agreement. The flood
387      disclosure must be made in substantially the following
388      form:
389
390                                         FLOOD DISCLOSURE
391              Flood Insurance: Homeowners' and renters' insurance
392              policies do not include coverage for damage resulting
393              from floods. You are encouraged to discuss the need to
394              purchase separate flood insurance coverage with your
395              insurance agent.
396                        1.   The mobile home park owner is ☐ is not ☐
397              aware of damage to the property caused by flooding
398              during the mobile home park owner's ownership of the
399              property.
400                        2.   The mobile home park owner has ☐ has not ☐

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         PCS for CS/HB 1015                                                                                   2025




401              filed a claim with an insurance provider relating to
402              flood damage to the property, including, but not
403              limited to, a claim with the National Flood Insurance
404              Program.
405                        3.   The mobile home park owner has ☐ has not ☐
406              received assistance for flood damage to the property,
407              including, but not limited to, assistance from the
408              Federal Emergency Management Agency.
409                        4.   For purposes of this disclosure, the term
410              "flooding" means a general or temporary condition of
411              partial or complete inundation of the dwelling unit
412              caused by any of the following:
413                        a.   The overflow of inland or tidal waters.
414                        b.   The unusual and rapid accumulation of runoff
415              or surface waters from any established water source,
416              such as a river, stream, or drainage ditch.
417                        c.   Sustained periods of standing water resulting
418              from rainfall.
419
420              (b)       If a mobile home park owner violates this section and
421      a lessee suffers a substantial loss or damage to the lessee's
422      mobile home or personal property as a result of flooding, the
423      lessee may terminate the lot rental agreement by giving a
424      written notice of termination to the mobile home park owner no
425      later than 30 days after the date of the damage or loss.

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         PCS for CS/HB 1015                                                                                   2025




426      Termination of a lot rental agreement under this section is
427      effective when the requiremements of s. 723.023(5) are met. For
428      purposes of this paragraph, the term "substantial loss or
429      damage" means the total cost of repairs to or replacement of the
430      mobile home and personal property is 50 percent or more of the
431      mobile home's and personal property's market value on the date
432      the flooding occurred.
433              (c)       A mobile home park owner shall refund the lessee all
434      rent or other amounts paid in advance under the lot rental
435      agreement for any period after the effective date of the
436      termination of the lot rental agreement.
437              (d)       This section does not affect a lessee's liability for
438      delinquent, unpaid rent or other sums owed to the mobile home
439      park owner before the date the lot rental agreement was
440      terminated by the lessee under this subsection.
441              Section 6.         This act shall take effect October 1, 2025.




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