HB 1015 2025
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hb1015-00
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F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
A bill to be entitled 1
An act relating to real property and condominium flood 2
disclosures; creating s. 83.512, F.S.; requiring a 3
landlord of residential real property to provide 4
specified information to a prospective tenant at or 5
before the time the rental agreement is executed; 6
specifying how such information must be disclosed; 7
defining the term "flooding"; providing that if a 8
landlord fails to disclose flood information 9
truthfully and a tenant suffers substantial loss or 10
damage, the tenant may terminate the rental agreement 11
by giving a written notice of termination to the 12
landlord within a specified timeframe; defining the 13
term "substantial loss"; requiring a landlord to 14
refund the tenant all amounts paid in advance for any 15
period after the effective date of the termination of 16
the rental agreement; providing that a tenant is still 17
liable for any sum owed to the landlord before the 18
termination of the rental agreement; amending s. 19
689.302, F.S.; revising the flood information that 20
must be disclosed to prospective purchasers of 21
residential real property; amending s. 718.503, F.S.; 22
requiring a developer of a residential condominium 23
unit to provide specified information to a prospective 24
purchaser at or before the time the sales contract is 25
HB 1015 2025
CODING: Words stricken are deletions; words underlined are additions.
hb1015-00
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F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
executed; specifying how such information must be 26
disclosed; defining the term "flooding"; providing an 27
effective date. 28
29
Be It Enacted by the Legislature of the State of Florida: 30
31
Section 1. Section 83.512, Florida Statutes, is created to 32
read: 33
83.512 Disclosure of flood risks to prospective tenant of 34
residential real property. — 35
(1) A landlord must complete and provide a flood 36
disclosure to a prospective tenant of residential real property 37
at or before the execution of a rental agreement for a term of 1 38
year or longer. The flood disclosure must be in a separate 39
document. The flood disclosure must be made in substantially the 40
following form: 41
42
FLOOD DISCLOSURE 43
Flood Insurance: Renters' insurance policies do not include 44
coverage for damage resulting from floods. Tenant is encouraged 45
to discuss the need to purchase separate flood insurance 46
coverage with Tenant's insurance agent. 47
1. Landlord is .... is not .... aware of damage to the 48
property caused by flooding during the Landlord's ownership of 49
the property. 50
HB 1015 2025
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F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
2. Landlord has .... has not .... filed a claim with an 51
insurance provider relating to flood damage on the property, 52
including, but not limited to, a claim with the National Flood 53
Insurance Program. 54
3. Landlord has .... has not .... received assistance for 55
flood damage to the property, i ncluding, but not limited to, 56
assistance from the Federal Emergency Management Agency. 57
4. For the purposes of this disclosure, the term 58
"flooding" means a general or temporary condition of partial or 59
complete inundation of the property caused by any of t he 60
following: 61
a. The overflow of inland or tidal waters. 62
b. The unusual and rapid accumulation of runoff or surface 63
waters from any established water source, such as a river, 64
stream, or drainage ditch. 65
c. Sustained periods of standing water resulting from 66
rainfall. 67
68
(2) If a landlord violates this section and a tenant 69
suffers a substantial loss or damage to the tenant's personal 70
property as a result of flooding, the tenant may terminate the 71
rental agreement by giving a written notice of termination to 72
the landlord no later than 30 days after the date of the damage 73
or loss. Termination of a rental agreement under this section is 74
effective upon the tenant surrendering possession of the 75
HB 1015 2025
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F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
property. For the purpose of this section, the term "substantial 76
loss or damage" mean s the total cost of repairs to or 77
replacement of the personal property is 50 percent or more of 78
the personal property's market value on the date the flooding 79
occurred. 80
(3) A landlord shall refund the tenant all rent or other 81
amounts paid in advance under the rental agreement for any 82
period after the effective date of the termination of the rental 83
agreement. 84
(4) This section does not affect a tenant's liability for 85
delinquent, unpaid rent or other sums owed to the landlord 86
before the date the rental agre ement was terminated by the 87
tenant under this section. 88
Section 2. Section 689.302, Florida Statutes, is amended 89
to read: 90
689.302 Disclosure of flood risks to prospective 91
purchaser.—A seller must complete and provide a flood disclosure 92
to a purchaser of residential real property at or before the 93
time the sales contract is executed. The flood disclosure must 94
be made in the following form: 95
FLOOD DISCLOSURE 96
Flood Insurance: Homeowners' insurance policies do not include 97
coverage for damage resulting from f loods. Buyer is encouraged 98
to discuss the need to purchase separate flood insurance 99
coverage with Buyer's insurance agent. 100
HB 1015 2025
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F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
(1) Seller has ☐ has not ☐ filed a claim with an insurance 101
provider relating to flood damage on the property, including, 102
but not limited to, a claim with the National Flood Insurance 103
Program. 104
(2) Seller has ☐ has not ☐ received federal assistance for 105
flood damage to the property, including, but not limited to, 106
assistance from the Federal Emergency Management Agency. 107
(3) Seller is ☐ is not ☐ aware of damage to the property caused 108
by flooding during the Seller's ownership of the property. 109
(4)(3) For the purposes of this disclosure, the term "flooding" 110
means a general or temporary condition of partial or complete 111
inundation of the prope rty caused by any of the following: 112
(a) The overflow of inland or tidal waters. 113
(b) The unusual and rapid accumulation of runoff or surface 114
waters from any established water source, such as a river, 115
stream, or drainage ditch. 116
(c) Sustained periods of st anding water resulting from 117
rainfall. 118
Section 3. Paragraph (a) of subsection (1) of section 119
718.503, Florida Statutes, is amended to read: 120
718.503 Developer disclosure prior to sale; nondeveloper 121
unit owner disclosure prior to sale; voidability. — 122
(1) DEVELOPER DISCLOSURE. — 123
(a) Contents of contracts. —Any contract for the sale of a 124
residential unit or a lease thereof for an unexpired term of 125
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F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
more than 5 years shall: 126
1. Contain the following legend in conspicuous type: THIS 127
AGREEMENT IS VOIDABLE BY BUYER BY DELIVERING WRITTEN NOTICE OF 128
THE BUYER'S INTENTION TO CANCEL WITHIN 15 DAYS AFTER THE DATE OF 129
EXECUTION OF THIS AGREEMENT BY THE BUYER, AND RECEIPT BY BUYER 130
OF ALL OF THE ITEMS REQUIRED TO BE DELIVERED TO HIM OR HER BY 131
THE DEVELOPER UNDER SECTION 718.503, FLORIDA STATUTES. THIS 132
AGREEMENT IS ALSO VOIDABLE BY BUYER BY DELIVERING WRITTEN NOTICE 133
OF THE BUYER'S INTENTION TO CANCEL WITHIN 15 DAYS AFTER THE DATE 134
OF RECEIPT FROM THE DEVELOPER OF ANY AMENDMENT WHICH MATERIALLY 135
ALTERS OR MODIFIES THE OFFERI NG IN A MANNER THAT IS ADVERSE TO 136
THE BUYER. ANY PURPORTED WAIVER OF THESE VOIDABILITY RIGHTS 137
SHALL BE OF NO EFFECT. BUYER MAY EXTEND THE TIME FOR CLOSING FOR 138
A PERIOD OF NOT MORE THAN 15 DAYS AFTER THE BUYER HAS RECEIVED 139
ALL OF THE ITEMS REQUIRED. BUYER'S RIGHT TO VOID THIS AGREEMENT 140
SHALL TERMINATE AT CLOSING. FIGURES CONTAINED IN ANY BUDGET 141
DELIVERED TO THE BUYER PREPARED IN ACCORDANCE WITH THE 142
CONDOMINIUM ACT ARE ESTIMATES ONLY AND REPRESENT AN 143
APPROXIMATION OF FUTURE EXPENSES BASED ON FACTS AND 144
CIRCUMSTANCES EXISTING AT THE TIME OF THE PREPARATION OF THE 145
BUDGET BY THE DEVELOPER. ACTUAL COSTS OF SUCH ITEMS MAY EXCEED 146
THE ESTIMATED COSTS. SUCH CHANGES IN COST DO NOT CONSTITUTE 147
MATERIAL ADVERSE CHANGES IN THE OFFERING. 148
2. Contain the following caveat in conspicuous type on the 149
first page of the contract: ORAL REPRESENTATIONS CANNOT BE 150
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F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
RELIED UPON AS CORRECTLY STATING THE REPRESENTATIONS OF THE 151
DEVELOPER. FOR CORRECT REPRESENTATIONS, REFERENCE SHOULD BE MADE 152
TO THIS CONTRACT AND THE DOCUMENTS REQUIRED BY S ECTION 718.503, 153
FLORIDA STATUTES, TO BE FURNISHED BY A DEVELOPER TO A BUYER OR 154
LESSEE. 155
3. If the unit has been occupied by someone other than the 156
buyer, contain a statement that the unit has been occupied. 157
4. If the contract is for the sale or transfer of a unit 158
subject to a lease, include as an exhibit a copy of the executed 159
lease and shall contain within the text in conspicuous type: THE 160
UNIT IS SUBJECT TO A LEASE (OR SUBLEASE). 161
5. If the contract is for the lease of a unit for a term 162
of 5 years or more, include as an exhibit a copy of the proposed 163
lease. 164
6. If the contract is for the sale or lease of a unit that 165
is subject to a lien for rent payable under a lease of a 166
recreational facility or other commonly used facility, contain 167
within the text the following statement in conspicuous type: 168
THIS CONTRACT IS FOR THE TRANSFER OF A UNIT THAT IS SUBJECT TO A 169
LIEN FOR RENT PAYABLE UNDER A LEASE OF COMMONLY USED FACILITIES. 170
FAILURE TO PAY RENT MAY RESULT IN FORECLOSURE OF THE LIEN. 171
7. State the name and address of the escrow agent required 172
by s. 718.202 and state that the purchaser may obtain a receipt 173
for his or her deposit from the escrow agent upon request. 174
8. If the contract is for the sale or transfer of a unit 175
HB 1015 2025
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F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
in a condominium in which timeshare estates have been or may be 176
created, contain within the text in conspicuous type: UNITS IN 177
THIS CONDOMINIUM ARE SUBJECT TO TIMESHARE ESTATES. The contract 178
for the sale of a fee interest in a timeshare estate shall also 179
contain, in conspicuous type, the fol lowing: FOR THE PURPOSE OF 180
AD VALOREM TAXES OR SPECIAL ASSESSMENTS LEVIED BY TAXING 181
AUTHORITIES AGAINST A FEE INTEREST IN A TIMESHARE ESTATE, THE 182
MANAGING ENTITY IS GENERALLY CONSIDERED THE TAXPAYER UNDER 183
FLORIDA LAW. YOU HAVE THE RIGHT TO CHALLENGE AN ASS ESSMENT BY A 184
TAXING AUTHORITY RELATING TO YOUR TIMESHARE ESTATE PURSUANT TO 185
THE PROVISIONS OF CHAPTER 194, FLORIDA STATUTES. 186
9. Contain within the text the following statement in 187
conspicuous type: 188
189
HOMEOWNERS' INSURANC E POLICIES DO NOT IN CLUDE COVERAGE FOR 190
DAMAGE RESULTING FRO M FLOODING. BUYER IS ENCOURAGED TO DISCUSS 191
THE NEED TO PURCHASE SEPARATE FLOOD INSURANCE COVERAGE WITH 192
BUYER'S INSURANCE AG ENT. 193
194
DEVELOPER IS .... IS NOT .... AWARE OF DAMAGE TO T HE PROPERTY 195
CAUSED BY FLOODING D URING THE DEVELOPER' S OWNERSHIP OF THE 196
PROPERTY. 197
198
DEVELOPER HAS .... H AS NOT .... FILED A CLAIM WITH AN INSURA NCE 199
PROVIDER RELATING TO FLOOD DAMAGE ON THE PROPERTY OR COMMON 200
HB 1015 2025
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F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
ELEMENTS, INCLUDING, BUT NOT LIMITED TO, A CLAIM WITH THE 201
NATIONAL FLOOD INSUR ANCE PROGRAM. 202
203
DEVELOPER HAS .... HAS NOT ... . RECEIVED ASSISTANC E FOR FLOOD 204
DAMAGE TO THE PROPER TY OR COMMON ELEMENT S, INCLUDING, BUT NO T 205
LIMITED TO, ASSISTAN CE FROM THE FEDERAL EMERGENCY MANAGEMENT 206
AGENCY. 207
208
FOR THE PURPOSES OF THIS DISCLOSURE, THE TERM "FLOODING" MEANS A 209
GENERAL OR TEMPORARY CONDITION OF PARTIAL OR CO MPLETE INUNDATION 210
OF THE PROPERTY OR C OMMON ELEMENTS CAUSE D BY THE OVERFLOW OF 211
INLAND OR TIDAL WATE RS; THE UNUSUAL AND RAPID ACCUMULATION O F 212
RUNOFF OR SURFACE WA TERS FROM ANY ESTABL ISHED WATER SOURCE, SUCH 213
AS A RIVER, STREAM, OR DRAINAG E DITCH; OR SUSTAINE D PERIODS OF 214
STANDING WATER RESUL TING FROM RAINFALL. 215
Section 4. This act shall take effect October 1, 2025. 216