,,ii  #aad? ,,congress  #a/ ,session    
,s4 #bcbd  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,novemb] #ai1 #bjae    
,mrs4 ,gillibr& 7= h]self & ,mr4 ,s*um]7
 introduc$ ! foll[+ bill2 :i* 0 read    
twice & ref]r$ to ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to provide = transp>5cy1       
acc\ntability1 & re=m ( ! ,national     
,flood ,insurance ,program4  #a4 ,%ort  
title ,?is ,act may be cit$ z ! ,flood  
,insurance ,transp>5cy & ,acc\ntability 
,act ( #bjae4  #b4 ,flood insurance     
transp>5cy1 acc\ntability1 & re=m  7a7  
,reports & o!r claim-,relat$ docum5ts   
,section #acab ( ! ,national ,flood     
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djai7 is am5d$ by add+ at ! end !      
foll[+3  7d7 ,f9al eng9e]+ reports ,!   
,adm9i/rator %all require t1 9 ! case ( 
any on-site inspection ( a prop]ty by an
 eng9e] = ! purpose ( assess+ any claim 
= losses cov]$ by a policy = flood      
insurance cov]age provid$ "u ?is title1 
! f9al eng9e]+ report %all be provid$ to

 ! insur$ "u ! policy1 z foll[s3  7#a7  
,tim+ ,! f9al eng9e]+ report may n be   
transmitt$ to any o!r p]son1 employ]1   
ag5cy1 or entity1 be=e x is transmitt$  
to ! insur$4  7#b7 ,prohibition on      
alt]ations2 c]tification ,! f9al eng9e]+
 report may n include alt]ations by1 or 
at ! reque/ (1 anyone o!r ?an !         
responsible 9 *>ge = su* report & %all  
include a c]tification1 sign$ by !      
responsible 9 *>ge = ! report1 t x does 
n conta9 any su* alt]ations4  7#c7      
,transmittal ,! f9al eng9e]+ 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 ! responsible 9 
*>ge4  7#d7 ,reports cov]$ ,= purposes (
 ?is subsection1 ! t]m f9al eng9e]+     
report means an eng9e]+ report1 survey1 
or o!r docum5t 9 connection ) su* claim 
t-- 7,a7 is bas$ on su* on-site         
inspection2  7,b7 conta9s f9al          
conclusions ) respect to an eng9e]+     
issue or issues involv$ 9 su* claim2 &  

7,c7 is sign$ by ! responsible 9 *>ge or
 affix$ ) ! seal ( su* responsible 9    
*>ge1 or bo?4  7e7 ,claims adju/m5t     
reports ,! ,adm9i/rator %all require t1 
9 ! case ( any on-site inspection ( a   
prop]ty by a claims adju/or = ! 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         
inspection by ! claims adju/or1 includ+ 
any adju/m5t report & field report4 ,su*
 t]m also includes any draft1 prelim9>y 
v]sion1 or copy ( any su* report & any  
am5dm5ts or additions to any su* report4
 ,su* t]m does n include any eng9e]+    
report1 z su* t]m is def9$ = purposes ( 
subsection 7d74  7f7 ,o!r claim-,relat$ 
docum5ts  7#a7 ,def9ition ( claim-relat$
 docum5t ,9 ?is subsection1 ! t]m       
claim-relat$ docum5t means any docum5t1 
o!r ?an a f9al eng9e]+ report 7z def9$ 9
 subsection 7d77 or a report 7z def9$ 9 
subsection 7e771 t 0 prep>$ = ! purposes
 ( assess+ a claim = losses cov]$ by    
flood insurance made available "u ?is   
title1 includ+--  7,a7 a repair &       
replacem5t e/imate or bid2  7,b7 an     
appraisal2  7,c7 a scope ( loss2  7,d7 a
 draw+2  7,e7 a plan2  7,f7 a report1   
includ+ a draft report prep>$ bas$ on an
 on-site inspection ( a prop]ty conduct$

 by a claims adju/or or eng9e]2  7,g7 a 
?ird-p>ty f9d+ on ! am\nt ( loss1 am\nt 
( cov]$ damage1 or co/ ( repairs2 &     
7,h7 any o!r valuation1 measurem5t1 or  
loss adju/m5t calculation ( ! am\nt (   
loss1 am\nt ( cov]$ damage1 or co/ (    
repairs4  7#b7 ,availability ( docum5ts 
,any entity s]vic+ a claim "u ! national
 flood insurance program-- 7,a7 %all    
reta9 ea* claim-relat$ docum5t prep>$ by
 or = ! entity2  7,b7 ^u reque/ by a    
claimant or an au?oriz$ repres5tative ( 
a claimant1 %all provide to ! claimant  
or repres5tative a copy ( any           
claim-relat$ docum5t describ$ 9         
subp>agraph 7,a7 t p]ta9s to ! claimant2
 &  7,c7 n lat] ?an #cj days aft]       
receiv+ notice ( a claim1 %all notify ! 
claimant t ! claimant or an au?oriz$    
repres5tative ( ! claimant may obta91 ^u
 reque/1 a copy ( any claim-relat$      
docum5t describ$ 9 subp>agraph 7,a7 t   
p]ta9s to ! claimant4  4  7b7 ,judicial 
review  7#a7 ,gov]nm5t program ) indu/ry
 assi/ance ,section #acda ( ! ,national 

,flood ,insurance ,act ( #aifh 7#db     
,u4,s4,c4 #djgb7 is am5d$ by /rik+ )9 "o
 ye> aft] ! date ( mail+ ( notice (     
disall[ance or p>tial disall[ance by !  
,adm9i/rator & ins]t+ ! foll[+3 n lat]  
?an ! expiration ( ! #b-ye> p]iod beg9n+
 ^u ! date ( ! occurr5ce ( ! losses     
involv$ 9 su* claim or1 9 ! case ( a    
d5ial ( a claim = losses t is appeal$ to
 ! ,adm9i/rator1 n lat] ?an 7#a7 !      
expiration ( ! #ij-;day p]iod beg9n+ ^u 
! date ( a f9al det]m9ation ^u appeal   
d5y+ su* claim 9 :ole or 9 "p1 or 7#b7 !
 expiration ( su* #b-ye> p]iod1 :i*ev]  
is lat]4  7#b7 ,indu/ry program ) ,f$]al
 f9ancial assi/ance ,section #accc ( !  
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #djec7 is am5d$ by /rik+
 )9 "o ye> aft] ! date ( mail+ ( notice 
( disall[ance or p>tial disall[ance ( ! 
claim & ins]t+ ! foll[+3 n lat] ?an !   
expiration ( ! #b-ye> p]iod beg9n+ ^u ! 
date ( ! occurr5ce ( ! losses involv$ 9 
su* claim or1 9 ! case ( a d5ial ( a    
claim = losses t is appeal$ to !        

,adm9i/rator1 n lat] ?an 7#a7 !         
expiration ( ! #ij-;day p]iod beg9n+ ^u 
! date ( a f9al det]m9ation ^u appeal   
d5y+ su* claim 9 :ole or 9 "p1 or 7#b7 !
 expiration ( su* #b-ye> p]iod1 :i*ev]  
is lat]4  7c7 ,flood ,insurance         
,advocate ,section #bd7;b7 ( ! ,home[n] 
,flood ,insurance ,af=dability ,act (   
#bjad 7#db ,u4,s4,c4 #djcc7;b77 is      
am5d$--  7#a7 9 p>agraph 7#d71 by /rik+ 
& at ! end2  7#b7 9 subp>agraph 7#e71 by
 /rik+ ! p]iod at ! end & ins]t+ 2 &2 & 
7#c7 by add+ at ! end ! foll[+3  7#f7   
provide a direct po9t ( contact =       
policyhold]s "u ! ,national ,flood      
,insurance ,program to discuss ! /atus (
 _! claim appeals & ! basis ( ! decision
 to initially d5y _! claims4  4  7d7    
,records & reviews ,section #acdh ( !   
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #djhd7 is am5d$ by add+ 
at ! end ! foll[+3  7c7 ,annual review  
,! ,adm9i/rator %all conduct an annual  
review ( ea* private entity p>ticipat+ 9
 ! national flood insurance program1    

includ+ any company t has ent]$ into a  
contract ) a ,write ,y\r ,own insurance 
company to provide any s]vice relat$ to 
a policy or claim "u ! national flood   
insurance program1 includ+ adju/+1      
eng9e]+1 & legal s]vices1 to ensure     
compliance ) ?is title & ) all policies 
& proc$ures e/abli%$ by ! ,adm9i/rator  
to prev5t fraud & protect policyhold]s4 
4  7e7 ,publication ( claims data       
,section #acab ( ! ,national ,flood     
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djai71 z am5d$ by subsection 7a71 is   
am5d$ by add+ at ! end ! foll[+3  7g7   
,publication ( claims data ,n lat] ?an  
#a ye> aft] ! date ( enactm5t ( ! ,flood
 ,insurance ,transp>5cy & ,acc\ntability
 ,act ( #bjae1 ! ,adm9i/rator %all      
create & ma9ta9 a publically se>*able   
onl9e database t includes1 ) respect to 
claims fil$ "u ! national flood         
insurance program aft] t date (         
enactm5t--  7#a7 ! numb] ( claims fil$  
ea* mon?1 brok5 d[n by ,/ate2  7#b7 !   
numb] ( claims paid 9 "p or 9 full2     

7#c7 ! numb] ( claims d5i$ & ! reasons  
cit$ = ea* d5ial2 &  7#d7 ! numb] (     
claim d5ials appeal$1 ! numb] ( claim   
d5ials upheld on appeal1 & ! numb] (    
claim d5ials ov]turn$ on appeal4  4  7f7
 ,eng9e]+ & litigation co/s ,section    
#acaa ( ! ,national ,flood ,insurance   
,act ( #aifh 7#db ,u4,s4,c4 #djah7 is   
am5d$ by add+ at ! end ! foll[+3  7c7   
,eng9e]+ & litigation co/s ,!           
,adm9i/rator %all-- 7#a7 9 ord] to      
ensure t taxpay] funds are be+          
appropriately exp5d$1 e/abli% cle>      
guidel9es & /&>ds to require t any      
eng9e]+ or litigation co/ bill$ to !    
national flood insurance program by a   
,write ,y\r ,own insurance company is   
ju/ifi$ on a case-by-case basis1 bo? by 
! entity t orig9ally incurs ! co/ & by !
 ,write ,y\r ,own ,company2 &  7#b7     
en=ce compliance ) ! guidel9es & /&>ds  
e/abli%$ "u p>agraph 7#a74  4  7g7 ,e>? 
movem5t ,section #acjf ( ! ,national    
,flood ,insurance ,act ( #aifh 7#db     
,u4,s4,c4 #djac7 is am5d$ by add+ at !  

end ! foll[+3  7e7 ,e>? movem5t ,a flood
 insurance claim fil$ "u ?is title =    
damage to or loss ( prop]ty %all n be   
d5i$ bas$ on ! e>? movem5t exclusion 9 !
 ,/&>d ,flood ,insurance ,policy if !   
claim is fil$ z ! result ( a flood1     
includ+ a claim = damage to or loss or  
prop]ty caus$ by e>? movem5t t 0 caus$  
by a flood4  4  7h7 ,appeals process    
,section #bje ( !                       
,bunn+-,b]eut]-,blum5au] ,flood         
,insurance ,re=m ,act ( #bjjd 7#db      
,u4,s4,c4 #djaa note7 is am5d$--  7#a7  
by /rik+ ,n lat] ?an & ins]t+ 7a7 ,9    
g5]al4--,n lat] ?an2 &  7#b7 by add+ at 
! end ! foll[+3  7b7 ,review ( appeals  
7#a7 ,cl>ity ,! ,director %all ensure t 
! appeals process e/abli%$ "u subsection
 7a7 has cle> rules1 =ms1 & deadl9es4   
7#b7 ,notification ^u initial d5ial (   
claim ,! ,director %all ensure t a      
claimant is provid$ ) ! rules1 =ms1 &   
deadl9es describ$ 9 p>agraph 7#a7 at !  
"t a claim is fir/ d5i$ 9 full or 9 "p1 
includ+--  7,a7 ! effective date ( !    

d5ial2  7,b7 a ju/ification = ! d5ial1  
includ+ support+ docum5tation2  7,c7 !  
date on :i* ! p]iod ( limitation =      
in/itut+ an action aga9/ ! ,adm9i/rator 
on ! claim "u section #acda w end2 &    
7,d7 a po9t ( contact ?r\gh :i* !       
claimant c directly discuss an appeal ) 
a repres5tative ( ! ,f$]al ,em]g5cy     
,managem5t ,ag5cy4  7#c7 ,notification  
^u d5ial ( appeal ,if ! ,adm9i/rator    
d5ies an appeal fil$ by a policyhold]1 !
 ,adm9i/rator %all include ) ! notice ( 
d5ial an explanation ( ! policyhold]'s  
legal options = fur!r *all5g+ ! d5ial4  
4  7i7 ,def9ition ( ,write ,y\r ,own    
,section #acgj7;a7 ( ! ,national ,flood 
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#daba7;a77 is am5d$-- 7#a7 9 p>agraph   
7#ad71 by /rik+ & at ! end2  7#b7 9     
p>agraph 7#ae71 by /rik+ ! p]iod at !   
end & ins]t+ 2 &2 &  7#c7 by add+ at !  
end ! foll[+3  7#af7 ! t]m ,write ,y\r  
,own means ! coop]ative und]tak+ betwe5 
! insurance indu/ry & ! ,f$]al          
,insurance & ,mitigation ,adm9i/ration  

:i* all[s p>ticipat+ prop]ty & casualty 
insurance companies to write & s]vice   
/&>d flood insurance policies4  4  #c4  
,reports to ,congress  7a7 ,def9itions  
,9 ?is section-- 7#a7 ! t]m ,national   
,flood ,insurance ,program means !      
program e/abli%$ "u ! ,national ,flood  
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djja et seq472  7#b7 ! t]m ,task ,=ce  
means ! ,national ,flood ,insurance     
,program ,trans=mation ,task ,=ce       
e/abli%$ by ! ,f$]al ,em]g5cy ,managem5t
 ,ag5cy2 &  7#c7 ! t]m ,write ,y\r ,own 
has ! mean+ giv5 ! t]m 9 section        
#acgj7;a7 ( ! ,national ,flood          
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#daba7;a771 z am5d$ by section #b7;i74  
7b7 ,report to ,congress on             
acc\ntability = defraud+ policyhold]s ,n
 lat] ?an #ij days aft] ! date (        
enactm5t ( ?is ,act1 ! ,secret>y (      
,homel& ,security %all submit to        
,congress a report on specific actions !
 ,dep>tm5t ( ,homel& ,security w take to
 id5tify individuals & private entities 

t h engag$ 9 activities to defraud      
policyhold]s "u ! ,national ,flood      
,insurance ,program foll[+ ,sup]/orm    
,s&y & prev5t ^? individuals & private  
entities f cont9u+ to receive ,f$]al    
fund+ ?r\gh--  7#a7 contracts )1 or     
employm5t by1 a ,write ,y\r ,own        
insurance company2 or  7#b7 employm5t by
 ! ,f$]al ,em]g5cy ,managem5t ,ag5cy4   
7c7 ,report to ,congress on             
recomm5dations ( ! ,,nfip ,trans=mation 
,task ,=ce ,n lat] ?an #a ye> aft] !    
date ( enactm5t ( ?is ,act1 !           
,adm9i/rator ( ! ,f$]al ,em]g5cy        
,managem5t ,ag5cy %all submit to        
,congress a report t describes--  7#a7 !
 recomm5dations ( ! ,task ,=ce = re=m+ !
 ,national ,flood ,insurance ,program2  
7#b7 a timel9e = implem5t+ !            
recomm5dations ( ! ,task ,=ce2 &  7#c7  
any recomm5dations ( ! ,task ,=ce t     
require additional legislation4