{"version":"1.0","type":"card","id":"6ad74059-bae3-4dd4-9a9a-defa2f16408f","url":"https://stacklist.com/card/6ad74059-bae3-4dd4-9a9a-defa2f16408f","title":"New Florida Flood Disclosure Law","source_url":"https://loggerhead.insurance/blog/home-insurance-florida-2025-changes/","note":"A Florida law effective October 1, 2025 requires sellers and landlords to provide clearer flood insurance risk disclosures to buyers and renters upfront — a meaningful shift for anyone purchasing in a coastal market like Ponte Vedra Beach, Jacksonville Beach, or along the Intracoastal corridor in St. Johns County. Standard homeowners policies in Florida exclude flood damage entirely, meaning a separate flood insurance policy is required for full protection, and the cost of that policy varies significantly by FEMA flood zone designation. Ika makes sure his buyers get address-specific flood zone information and insurance quotes early in the due diligence period — not as a surprise at closing.\n","image":{"url":"https://ucarecdn.com/6619e929-5246-4fbd-b0d8-6ff42d859f27/","alt":"New Florida Flood Disclosure Law","width":2560,"height":1709},"stack":{"id":"8f1d05d1-5979-4069-bc55-2a1d0760ee44","title":"What Home Buyers in Northeast Florida Need to Know","url":"https://stacklist.com/stack/8f1d05d1-5979-4069-bc55-2a1d0760ee44"},"created_at":"2026-06-01T14:33:56.491Z","updated_at":null,"aco":null,"_links":{"self":"/api/public/card/6ad74059-bae3-4dd4-9a9a-defa2f16408f.json","html":"https://stacklist.com/card/6ad74059-bae3-4dd4-9a9a-defa2f16408f","md":"/api/public/card/6ad74059-bae3-4dd4-9a9a-defa2f16408f.md","stack_json":"/api/public/stack/8f1d05d1-5979-4069-bc55-2a1d0760ee44.json"}}