,i  #aad? ,,congress  #a/ ,session  ,h4 
,r4 #cdef  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,septemb] #i1 #bjae   
,mr4 ,donovan introduc$ ! foll[+ bill2  
:i* 0 ref]r$ to ! ,committee on         
,f9ancial ,s]vices  ,a ,,bill  ,to      
improve ! process = claims = losses "u !
 ,national ,flood ,insurance ,program1 &
 = o!r purposes4  #a4 ,%ort title ,?is  
,act may be cit$ z ! ,flood ,insurance  
,mitigation & ,policyhold] ,protection  
,act ( #bjae4  #b4 ,claims adju/m5t &   
eng9e]+ reports ,section #acab ( !      
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #djai7 is am5d$ by add+ 
at ! end ! foll[+ new subsection3  7d7  
,claims adju/m5t & eng9e]+ reports ,!   
,adm9i/rator %all require t1 9 ! case ( 
any on-site inspection ( a prop]ty by a 
claims adju/or or eng9e] = ! purpose (  
assess+ any claim = losses cov]$ by a   
policy = flood insurance cov]age provid$
 "u ?is title1 any report %all be       
provid$ to ! insur$ "u ! policy1 z      
foll[s3  7#a7 ,tim+ ,su* report may n be

 transmitt$ to any o!r p]son1 employ]1  
ag5cy1 or entity1 be=e x is transmitt$  
to ! insur$4  7#b7 ,prohibition on      
alt]ations2 c]tification ,! report may n
 include alt]ations by1 or at ! reque/  
(1 anyone o!r ?an su* prep>] & %all     
include a c]tification1 sign$ by !      
prep>] ( ! report1 t x does n conta9 any
 su* alt]ations4  7#c7 ,transmittal ,!  
report %all be transmitt$ to ! insur$ 9 
a mann] z ! ,adm9i/rator %all provide t 
provides reasonable assurance t x 0     
transmitt$ directly to ! insur$ by !    
prep>]4  7#d7 ,reports cov]$ ,= purposes
 ( ?is subsection1 ! t]m report means   
any report or docum5t 9 connection ) su*
 claim t is bas$ on su* on-site         
inspection1 includ+ any adju/m5t report1
 field report1 & eng9e]+ report or      
survey4 ,su* t]m also includes any      
draft1 prelim9>y v]sion1 or copy ( any  
su* report or survey1 any am5dm5ts or   
additions to any su* report or survey1  
4  #c4 ,judicial review  7a7 ,gov]nm5t  
program ) indu/ry assi/ance ,section    

#acda ( ! ,national ,flood ,insurance   
,act ( #aifh 7#db ,u4,s4,c4 #djgb7 is   
am5d$ by ins]t+ be=e 1 may in/itute !   
foll[+3 or1 9 ! case ( a d5ial ( a claim
 = losses t is appeal$ to !             
,adm9i/rator1 )9 "o ye> aft] ! date ( a 
f9al det]m9ation ^u appeal d5y+ su*     
claim 9 :ole or 9 "p4  7b7 ,indu/ry     
program ) ,f$]al f9ancial assi/ance     
,section #accc ( ! ,national ,flood     
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djec7 is am5d$ by ins]t+ be=e 1 may    
in/itute ! foll[+3 or1 9 ! case ( a     
d5ial ( a claim = losses t is appeal$ to
 ! ,adm9i/rator1 )9 "o ye> aft] ! date (
 a f9al det]m9ation ^u appeal d5y+ su*  
claim 9 :ole or 9 "p4  #d4 ,issuance (  
guidel9es = flood mitigation me?ods =   
build+s ,! ,adm9i/rator ( ! ,f$]al      
,em]g5cy ,managem5t ,ag5cy %all issue ! 
guidel9es requir$ "u #acfa7;d7 ( !      
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #dajb7;d771 z add$ by   
section #bf7;a77#a7 ( ! ,home[n] ,flood 
,insurance ,af=dability ,act ( #bjad    

7,public ,law #aac-hi2 #abh ,/at4       
#ajcb71 n lat] ?an ! expiration ( !     
#fj-;day p]iod beg9n+ on ! date ( !     
enactm5t ( ?is ,act4