Florida residents may be interested to know that the U.S. House of Representatives approved on May 30 a short-term continuation of the flood insurance program through June 14. This was after the House failed to reauthorize the program as part of a $19 billion disaster aid bill. The same broader bill has already been cleared in the Senate. If it passed the House, it would have kept the program going until Sept. 30.

Republican objection to the bill was what caused it to fail in the House as it has been voted under a unanimous consent standard. Ultimately, it only took one member voting against the proposal to prevent its approval. The objection to the bill came even as the president said that he supported it, and it was likely that it would be passed on June 3 when the House comes back to session. According to the National Association of Mutual Insurance Companies (NAMIC), the short-term extension creates a level of uncertainty as hurricane season approaches.

The short-term extension was the 10th to be approved since 2017, and NAMIC has urged lawmakers to approve a long-term extension as soon as possible. Those sentiments were echoed by the Independent Insurance Agents & Brokers of America. The group cited floods in the middle of the country as another reason why the program needs to be extended quickly.

If water damage claims or other claims are denied or not paid in full, it may be worthwhile to speak with an attorney. Water damage that is not treated quickly could lead to secondary issues, which may increase the financial loss a homeowner will face. An attorney could help a homeowner hold an insurance company liable for any damages caused because a claim was not approved in a timely manner.

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