Florida law requires a landlord to provide a separate flood disclosure before entering certain residential leases of one year or longer. The provision took effect October 1, 2025.
What it means
The disclosure is an information requirement. It does not mean every property has flooded or that a property with no known history will never flood.
What the document covers
The statute addresses the limits of a landlord's insurance for a tenant's personal property, known flooding during the landlord's ownership, and certain flood-related insurance claims or federal assistance.
Before signing
- Ask for the separate disclosure and keep it with the lease.
- Ask specific questions about prior water intrusion and repairs.
- Ask an insurer whether your renters policy covers flood losses.
- Look at parking, entrances and ground floors after heavy rain.
If you do not receive the disclosure, ask for it before signing and keep a copy of your request. If a loss has already occurred, review the law and seek appropriate advice for your situation.