Free Contingency Template

Florida Flood & Hurricane Insurance Contingency Addendum

Free Florida-specific property insurance contingency clause for Far-Bar contracts. Protect your earnest money when hurricane or flood insurance costs exceed expectations.

State-Specific AddendumFLFloodFar-Bar As-Is Contract (or FAR/BAR Standard)

Preview — first sections only

CLIMATE & NATURAL HAZARD RISK CONTINGENCY ADDENDUM

ADDENDUM TO Far-Bar As-Is Contract (or FAR/BAR Standard) FLORIDA RESIDENTIAL PURCHASE AGREEMENT

SECTION 1: PURPOSE AND SCOPE

The Buyer acknowledges that Florida properties may be subject to natural hazards including but not limited to flooding (coastal storm surge, rainfall-driven ponding, tidal inundation), hurricanes (wind damage, power outage, evacuation), and extreme heat, and that such hazards may materially affect (a) property insurability, (b) insurance premium costs, (c) mortgage qualification, and (d) long-term financial viability of ownership.

Key protections

Florida-specific due diligence period for climate and insurance review
Insurance premium cap with earnest money protection
Citizens Property Insurance Corporation or Florida FAIR Plan eligibility disclosure requirements
Hazard zone reclassification contingency
Seller disclosure obligations for prior damage and mitigation

What's inside

1Purpose and Scope
2Climate & Insurance Due Diligence Period
3Insurance Premium Contingency
4Hazard Zone Reclassification Contingency
5Florida-Specific PROVISIONS
6Limitations and Disclaimers
7Execution

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Frequently asked questions

Educational template only

This template is provided for educational and drafting purposes. It is not legal advice. Always have a licensed real estate attorney in your jurisdiction review and customize any contract language before using it in a transaction.

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