Fl Flood Disclosure Fd1

Florida Flood Disclosure — Mandatory Form FD-1 Exam: Real Estate Salesperson — Florida Chapter: Ch8 — Florida Practice and Property Law Legislation: SB 948 | Initial effective date: July 1, 2024 | Expanded: October 1, 2025 --- ## Overview Florida enacted mandatory flood disclosure requirements for all residential property sales. Before July 1, 2024, sellers were required to disclose flood-related history under common law (Johnson v. Davis) but no specific form was mandated. SB 948 changed that by creating a required form and specific disclosure categories. --- ## The Flood Disclosure Form (FD-1) - Form name: Flood Disclosure Form, designated FD-1 - Mandatory for: All residential property sales in Florida - When: Must be provided to the buyer before or at contract execution - Buyer's obligation: Buyer must sign FD-1 acknowledging receipt - Agent's role: Ensure seller provides FD-1; ensure buyer acknowledges receipt > Failure to provide FD-1 is a disclosure violation regardless of whether the seller has any flood-related history to report. The form must be provided even if all answers are "none." --- ## Three Required Disclosure Categories Expanded to three categories effective October 1, 2025: | # | Category | What Must Be Disclosed | |---|---|---| | 1 | Structural flooding | Any flooding that damaged the interior of the structure | | 2 | Insurance claims | Any flood insurance claims paid on the property | | 3 | Federal assistance | Any federal flood assistance received (FEMA, NFIP, or other federal programs) | - All three categories apply regardless of when the events occurred - Sellers must disclose known history — they are not required to independently investigate prior ownership records --- ## Timeline…