On June 10, 2025, Governor Lamont signed Senate Bill No. 9 into law. In light of the passage of the bill, on July 8, 2025, the Connecticut Insurance Department (Department) issued Bulletin PC-93-25, addressed to “all companies licensed to write homeowners and renters insurance.” The bulletin “provides guidance to property/casualty insurers concerning the flood insurance policy disclosures required under [the bill].” Specifically, the bulletin instructs that the bill “requires insurers to include a clear, conspicuous, and plain language notice in homeowners and renters insurance policies (including dwelling fire and condominium policies) stating that losses caused by flood are not covered under such policies and that insurance is available for purchase under a separate flood insurance policy” (notice). Moreover, per the bill, the notice must include information regarding how the insured may purchase flood insurance. While the Department is not prescribing a form of the notice, insurers must file the notice intended for use through SERFF. The bulletin also provides insurers with filing requirements regarding the notice, including: (1) location/placement of the notice; and (2) wording the insurer intends to use regarding the availability of flood insurance through the National Flood Insurance Program or private flood insurer. Insurers are required to file the notice via SERFF on or before January 31, 2026, for new or renewal policies effective on or after July 1, 2026.
