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Scalise Co-sponsors Bipartisan Bill to include Wind Coverage in NFIP

Press Release

Location: Washington, DC

Congressman Steve Scalise is an original cosponsor of a bipartisan insurance reform bill that was introduced this week. The Multiple Peril Insurance Act, H.R. 1264, introduced by Congressmen Gene Taylor (D-MS), Steve Scalise (R-LA) and others, will add wind coverage to the National Flood Insurance Program (NFIP) so homeowners can purchase both wind coverage and flood coverage in one policy.

"Since Hurricane Katrina, high insurance rates have continued to hinder our recovery," Scalise said. "When someone purchases an insurance policy, they need to know they are truly covered for all threats. There were far too many insurance claims that got held up in the debate between flood versus wind. This bill resolves that debate by combining both perils into one policy. I am happy to reach across the aisle and work with Congressman Taylor to present a solution to a problem that affects all coastal states in our country."

Following Hurricane Katrina, wind versus flood disputes left homeowners with difficulty receiving payments through their policies. Private insurers had to pay for wind damage but FEMA was covering flood damage. Many private insurers were not willing to take on the risk of wind damage for coastal areas, which left many homeowners in Southeast Louisiana scrambling to find companies willing to write wind coverage to protect their homes.

The National Flood Insurance Program reauthorization (HR 3121) was introduced in the 110th Congress with a provision to allow wind coverage. The wind provision passed the House, but failed to pass the Senate.

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