On June 3, 2025, the Massachusetts Division of Insurance issued Filing Guidance Notice 2025-R regarding the submission of new mandatory disclosures relating to flood coverage.

The notice states that effective for all policies issued or renewing January 1, 2026, carriers must submit a separate disclosure notice to the Division for review, clearly stating that the home or dwelling policy does not cover loss from flooding. The disclosure should be included as a stand-alone document with the delivery of the policy, or included as its own page in the policy packet, immediately after the declarations page. The notice provides language that should be included in the disclosure. All disclosures must be submitted to the Division via SERFF by September 1, 2025.

Please see Filing Guidance Notice 2025-R for more information. For any questions regarding the notice, please contact masspc@mass.gov.