Assembly BillIntroduced
A 6807: Requires insurers insuring property in floodplains to include damages done by wave action or windblown waves and make available to all insureds who reside in single family homes in a floodplain homeowners insurance covering such damage.
What A 6807 does, verified January 8, 2026
The proposed law aims to require floodplain insurance policies to cover damages caused by windblown waves or wave action in floodplains. Insurers must provide coverage under homeowners' insurance policies for single-family homes in floodplains, including residences and attached structures such as garages, boat docks, and break walls. The law defines "windblown waves" or "wave action" as water stirred by wind or other conditions to cause waves that crest above floodplain level, even when the water is below the floodplain level. The law will take effect 90 days after it becomes a law.
Bill journey
1IntroducedCurrent
2In CommitteePending
3First Chamber FloorPending
4Second ChamberPending
5GovernorPending
6ChapteredPending
Last action: referred to insurance (2026-01-07)Alert me
Quick answers about A 6807
- What is the current status of A 6807?
- As of January 8, 2026, A 6807 is recorded as "Introduced": it has been introduced and is waiting for its first committee hearing or floor vote. The last recorded action, on January 7, 2026, was "referred to insurance".
- Did A 6807 pass?
- Not yet. A 6807 has been introduced and has not passed either house.
- Who wrote A 6807, and where is it now?
- A 6807 was authored by Asm. James Pretlow. Its committee of record is Assembly Insurance.
Author and sponsors
Full contact details, staff, and committees with Connect, $16/moUnlockRecent actions2 total · showing 2
| Jan. 07, 2026 | referred to insurance |
| Mar. 14, 2025 | referred to insurance |
Latest bill textIntroduced version, March 14, 2025 · 281 words
STATE OF NEW YORK ________________________________________________________________________ 6807 2025-2026 Regular Sessions IN ASSEMBLY March 14, 2025 ___________ Introduced by M. of A. PRETLOW -- read once and referred to the Commit- tee on Insurance AN ACT to amend the insurance law, in relation to requiring floodplain insurance to cover damages caused by waves The People of the State of New York, represented in Senate and Assem- bly, do enact as follows: 1 Section 1. The insurance law is amended by adding a new section 2351-a 2 to read as follows: 3 § 2351-a. Floodplain insurance, wave damage. (a) Any insurer which 4 insures property in a floodplain shall make available to all insureds 5 who reside in single family homes in the floodplain coverage under their 6 homeowners' insurance policy for damages caused by windblown waves or 7 wave action. Such policies shall cover the residence and any appurte- 8 nances thereto, including, but not limited to, garages, boat docks, 9 restraining walls, boat houses, break walls and any other device used to 10 prevent or minimize wave or water damage to real property. 11 (b) As used in this section, "windblown waves" or "wave action" shall 12 mean the condition which exists when a floodplain area has high water 13 conditions, even though below the floodplain level, and the water is 14 stirred by wind or other conditions to cause waves which crest above 15 floodplain level. 16 § 2. This act shall take effect on the ninetieth day after it shall 17 have become a law. EXPLANATION--Matter in italics (underscored) is new; matter in brackets [] is old law to be omitted. LBD05903-01-5
Text of A 6807 as introduced, from the official record. Connect Plus keeps every version and highlights what changed.Compare versions