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Getting to the finish line on a five-year extension of the National Flood Insurance Program (NFIP)—a top priority of personal-lines insurers—has just been further complicated.

The problem: the decision of members of the Senate Banking Committee to provide bipartisan support for adding a provision in the NFIP that would split the difference on the sensitive “wind-vs.-water issue.”

While the provision is being promoted as a positive for consumers, and some personal-lines insurers are expected to strongly oppose it, independent insurance lawyers don’t buy it as a big win for consumers.

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