Both New York and New Jersey have adopted laws requiring the sellers of residential properties to tell buyers, and landlords to tell tenants, about known flood risks.
Multiple types of insurance may cover liabilities arising from climate change cases, but the focus of coverage battles to date is on current and historic general liability policies.
The home insurance policy contains exclusions for 'criminal acts' and 'sexual molestation,' even if the insured is charged with or found guilty of a crime.