,i  #aae? ,,congress  #a/ ,session  ,h4 
,r4 #adbc  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,m>* #h1 #bjag,ms4    
,velzquez introduc$ ! foll[+ bill2 :i* 0
 ref]r$ to ! ,committee on ,f9ancial    
,s]vices  ,a ,,bill  ,to reau?orize &   
improve ! national flood insurance      
program1 & = o!r purposes4  #a4 ,%ort   
title2 table ( cont5ts  7a7 ,%ort title 
,?is ,act may be cit$ z ! ,national     
,flood ,insurance ,program              
,reau?orization & ,improvem5t ,act (    
#bjag4  7b7 ,table ( cont5ts ,! table ( 
cont5ts = ?is ,act is z foll[s3  ,sec4  
#a4 ,%ort title2 table ( cont5ts4 ,sec4 
#b4 ,ext5sion ( national flood insurance
 program4 ,sec4 #c4 ,improv$ disclosure 
requirem5t = /&>d flood insurance       
policies4 ,sec4 #d4 ,prop]ties )        
preexi/+ conditions4 ,sec4 #e4          
,improvem5t ( adm9i/rative & litigation 
process = claims adjudication4 ,sec4 #f4
 ,improvem5t ( ov]sight ( eng9e]s4 ,sec4
 #g4 ,publicly se>*able onl9e regi/ry4  
,sec4 #h4 ,p5alties = fraud & false     

/atem5ts 9 ! ,national ,flood ,insurance
 ,program4 ,sec4 #i4 ,:i/lebl[]         
protection = employees4 ,sec4 #aj4      
,eng9e]+ firm indep5d5ce4 ,sec4 #aa4    
,,gao reports4 ,sec4 #ab4 ,regulations4 
#b4 ,ext5sion ( national flood insurance
 program  7a7 ,f9anc+ ,section #acji7;a7
 ( ! ,national ,flood ,insurance ,act ( 
#aifh 7#db ,u4,s4,c4 #djaf7;a77 is am5d$
 by /rik+ ,septemb] #cj1 #bjag & ins]t+ 
,septemb] #cj1 #bjbg4  7b7 ,program     
expiration ,section #acai ( ! ,national 
,flood ,insurance ,act ( #aifh 7#db     
,u4,s4,c4 #djbf7 is am5d$ by /rik+      
,septemb] #cj1 #bjag & ins]t+ ,septemb] 
#cj1 #bjbg 4  #c4 ,improv$ disclosure   
requirem5t = /&>d flood insurance       
policies ,section #ajjbcd ( !           
,bigg]t-,wat]s ,flood ,insurance ,re=m  
,act ( #bjab 7#db ,u4,s4,c4 #djac;a7 is 
am5d$ by add+ at ! end ! foll[+ new     
subsections3  7c7 ,disclosure ( cov]age 
7#a7 ,disclosure %eet ,ea* policy "u !  
,national ,flood ,insurance ,program    
%all include a disclosure %eet t sets   

=?1 9 pla9 language--  7,a7 ! def9ition 
( ! t]m flood = purposes ( cov]age "u ! 
policy2  7,b7 a description ( :at type (
 flood =ces are necess>y s t losses f an
 ev5t are cov]$ "u ! policy1 includ+    
ov]fl[ ( inl& or tidal waves1 unusual & 
rapid accumulation or run(f ( a surface 
any s\rce1 & mudfl[2  7,c7 a /atem5t ( !
 types & *>act]i/ics ( losses t are n   
cov]$ "u ! policy2  7,d7 a summ>y (     
total co/ & am\nt ( insurance cov]age2  
7,e7 a /atem5t t ! disclosure %eet      
provides g5]al in=mation ab\t !         
policyhold]'s /&>d flood insurance      
policy2  7,f7 a /atem5t t ! /&>d flood  
insurance policy1 toge!r ) !            
application1 endorsem5ts1 & decl>ations 
page1 make up ! (ficial contract & are  
controll+ 9 ! ev5t t !re is any diff]5ce
 betwe5 ! in=mation on ! disclosure %eet
 & ! in=mation 9 ! policy2 &  7,g7 a    
/atem5t t if ! policyhold] has any      
que/ions reg>d+ in=mation 9 ! disclosure
 %eet or policy he or %e %\ld contact _!
 insurance ag5t1 toge!r ) ! address &   

phone numb] at :i* to contact su* ag5t4 
7#b7 ,ackn[l$gm5t %eet ,ea* policy "u ! 
,national ,flood ,insurance ,program    
%all include an ackn[l$gm5t %eet t sets 
=?1 9 pla9 language--  7,a7 a /atem5t ( 
:e!r or n !re is a basem5t 9 ! prop]ty  
to be cov]$ by ! policy2  7,b7 a /atem5t
 ( :e!r or n ! policy provides cov]age =
 ! cont5ts ( ! prop]ty cov]$ by !       
policy2  7,c7 a /atem5t t ! /&>d flood  
insurance policy1 toge!r ) !            
application1 endorsem5ts1 & decl>ations 
page1 make up ! (ficial contract & are  
controll+ 9 ! ev5t t !re is any diff]5ce
 betwe5 ! in=mation on ! ackn[l$gm5t    
%eet & ! in=mation 9 ! policy2 &  7,d7 a
 /atem5t t if ! policyhold] has any     
que/ions reg>d+ in=mation 9 !           
ackn[l$gm5t %eet or policy he or %e %\ld
 contact _! insurance ag5t1 toge!r ) !  
address & phone numb] at :i* to contact 
su* ag5t4  7#c7 ,requir$ signatures ,a  
policy = flood insurance cov]age "u !   
,national ,flood ,insurance ,program may
 n take effect unless ! disclosure %eet 

requir$ "u p>agraph 7#a7 & ! ackn[l$gm5t
 %eet requir$ "u p>agraph 7#b71 )       
respect to ! policy1 are sign$ & dat$ by
 ! policyhold]1 ! insurance ag5t :o sold
 ! policy1 & a repres5tative ( !        
,adm9i/rator4  7d7 ,availability 9 o!r  
languages  7#a7 ,availability ,!        
,adm9i/rator %all make policies "u !    
,national ,flood ,insurance ,program1 & 
! disclosure & ackn[l$gm5t %eets requir$
 by subsection 7c71 available 9 ,spani% 
language v]sions & 9 su* o!r languages z
 ! ,adm9i/rator consid]s appropriate &  
%all provide su* a v]sion at ! reque/ ( 
! insur$ or prospective insur$4  7#b7   
,publiciz+ availability ,! ,adm9i/rator 
%all take su* actions z may be necess>y 
to in=m insur$s & prospective insures ( 
! availability ( policies 9 su*         
languages o!r ?an ,engli%4  7#c7        
,conflict+ in=mation ,9 ! case ( any    
diff]5ce betwe5 ! in=mation t is provid$
 pursuant to ?is subsection to a        
policyhold] 9 ! ,engli% language & 9 !  
,spani% or o!r language1 ! in=mation    

provid$ 9 ! ,engli% language %all be    
det]m9ative4  4  #d4 ,prop]ties )       
preexi/+ conditions  ,section #acaa ( ! 
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #djah7 is am5d$ by add+ 
at ! end ! foll[+ new subsection3  7c7  
,program = inve/igation ( preexi/+      
/ructural conditions  7#a7 ,volunt>y    
program ,! ,adm9i/rator %all c>ry out a 
program to provide = companies          
p>ticipat+ 9 ! ,write ,y\r ,own program 
7z su* t]m is def9$ 9 section #ajjbjb ( 
! ,bigg]t-,wat]s ,flood ,insurance ,re=m
 ,act ( #bjab 7#db ,u4,s4,c4 #djjd77 to 
inve/igate preexi/+ /ructural conditions
 ( insur$ prop]ties & pot5tially insur$ 
prop]ties t c\ld result 9 ! d5ial ( a   
claim "u a policy = flood insurance     
cov]age "u ?is title 9 ! ev5t ( a flood 
loss to su* prop]ty4 ,p>ticipation 9 !  
program %all be volunt>y on ! "p (      
,write ,y\r ,own companies4  7#b7       
,inve/igation ( prop]ties ,"u ! program 
"u ?is subsection1 a ,write ,y\r ,own   
company p>ticipat+ 9 ! program %all--   

7,a7 provide 9 policies = flood         
insurance cov]age "u ?is title cov]$ by 
! program t1 ^u ! reque/ ( !            
policyhold]1 ! company %all provide =-- 
7i7 an inve/igation ( ! prop]ty cov]$ by
 su* policy1 us+ common me?ods1 to      
det]m9e :e!r preexi/+ /ructural         
conditions are pres5t t c\ld result 9 ! 
d5ial ( a claim "u su* policy = flood   
losses2 &  7ii7 if su* inve/igation is n
 det]m9ative1 an on-site inspection ( ! 
prop]ty to det]m9e :e!r su* preexi/+    
/ructural conditions are pres5t2  7,b7  
^u completion ( an inve/igation or      
inspection pursuant to subp>agraph 7,a7 
t det]m9es t su* a preexi/+ /ructural   
condition is pres5t or abs5t1 submit a  
report to ! policyhold] & ,adm9i/rator  
describ+ ! condition2 &  7,c7 impose a  
sur*>ge on ea* policy describ$ 9        
subp>agraph 7,a7 9 su* am\nt t !        
,adm9i/rator det]m9es is appropriate to 
cov] ! co/s ( inve/igations &           
inspections p]=m$ pursuant to su*       
policies & reimburse ,write ,y\r ,own   

companies p>ticipat+ 9 ! program "u ?is 
subsection = su* co/s4  4  #e4          
,improvem5t ( adm9i/rative & litigation 
process = claims adjudication  7a7      
,indu/ry program ) ,f$]al f9ancial      
assi/ance ,section #accc ( ! ,national  
,flood ,insurance ,act ( #aifh 7#db     
,u4,s4,c4 #djec7 is am5d$-- 7#a7 by     
/rik+ mail+ ( notice ( disall[ance or   
p>tial disall[ance by ! ,adm9i/rator &  
ins]t+ ! f9al det]m9ation by !          
,adm9i/rator disall[+ or p>tially       
disall[+ ! claim2 &  7#b7 by add+ aft] !
 p]iod at ! end ! foll[+3 ,if ! claimant
 prevails 9 an action "u ?is section1 ! 
c\rt may aw>d co/s ( litigation1 includ+
 attorneys fee1 litigation exp5ses1 &   
eng9e]+ & o!r exp]t exp5ses1 to !       
claimant4 ,any su* aw>d %all be paid by 
! ,adm9i/rator &1 ^u su* paym5t1 !      
,adm9i/rator %all be subrogat$ to !     
rights ( ! claimant to recov] su* co/s =
 :i* ! ,adm9i/rator has comp5sat$ !     
claimant f any company or o!r insur]    
responsible = ! disall[ance ( ! claim44 

7b7 ,gov]nm5t program ) indu/ry         
assi/ance ,section #acda ( ! ,national  
,flood ,insurance ,act ( #aifh 7#db     
,u4,s4,c4 #djgb7 is am5d$-- 7#a7 by     
/rik+ mail+ ( notice ( disall[ance or   
p>tial disall[ance ( & ins]t+ ! f9al    
det]m9ation disall[+ or p>tially        
disall[+2 &  7#b7 by add+ aft] ! p]iod  
at ! end ! foll[+3 ,if ! claimant       
prevails 9 an action "u ?is section1 !  
c\rt may aw>d co/s ( litigation1 includ+
 attorneys fee1 litigation exp5ses1 &   
eng9e]+ & o!r exp]t exp5ses1 to !       
claimant4 ,any su* aw>d %all be paid by 
! ,adm9i/rator &1 ^u su* paym5t1 !      
,adm9i/rator %all be subrogat$ to !     
rights ( ! claimant to recov] su* co/s =
 :i* ! ,adm9i/rator has comp5sat$ !     
claimant f any insurance company or o!r 
insur] or insurance adju/m5t            
organization t may be responsible = !   
disall[ance ( ! claim44  7c7 ,aw>ds =   
co/s 9 appeals to ,,fema ,section #acab 
( ! ,national ,flood ,insurance ,act (  
#aifh 7#db ,u4,s4,c4 #djai7 is am5d$ by 

add+ at ! end ! foll[+ new subsection3  
7d7 ,aw>ds = co/s 9 adm9i/rative        
proce$+s ,if ! claimant prevails 9 any  
appeal to ! ,adm9i/rator ( ! disall[ance
 ( a claim = losses cov]$ by flood      
insurance made available "u ?is title1 !
 ,adm9i/rator %all aw>d co/s ( ! appeal1
 includ+ attorneys fee1 any proce$+     
exp5ses1 & eng9e]+ & o!r exp]t exp5ses1 
to ! claimant4  4  7d7 ,use ( private   
c\nsel ,section #acdg ( ! ,national     
,flood ,insurance ,act ( #aifh 7#db     
,u4,s4,c4 #djhc7 is am5d$ by add+ at !  
end ! foll[+ new subsection3  7c7 ,use (
 private c\nsel  7#a7 ,fee s*$ule ,!    
,adm9i/rator %all e/abli% a fee s*$ule =
 paym5t ( private c\nsel us$ to repres5t
 ! ,adm9i/rator 9 controv]sies1 actions1
 & proce$+s 9 connection ) ! ,national  
,flood ,insurance ,program "u ?is title4
  7#b7 ,requirem5t = preau?orization ,! 
,adm9i/rator %all require any private   
c\nsel obta9$ 9 connection ) any        
controv]sy1 action1 or proce$+ 9        
connection ) ! ,national ,flood         

,insurance ,program "u ?is title to     
obta9 au?orization f ! ,adm9i/rator be=e
 tak+ any major action associat$ ) su*  
controv]sy1 action1 or proce$+1 :i* %all
 include settlem5t1 hir+ exp]ts1 & su*  
o!r actions z ! ,adm9i/rator %all       
specify4  4  #f4 ,improvem5t ( ov]sight 
( eng9e]s  7a7 ,9 g5]al ,"p ,c ( *apt]  
#b ( ! ,national ,flood ,insurance ,act 
( #aifh 7#db ,u4,s4,c4 #djha et seq47 is
 am5d$ by add+ at ! end ! foll[+ new    
section3  #acdi4 ,ov]sight ( eng9e]s    
7a7 ,qualifications ,! ,adm9i/rator %all
 require t any individual t provides    
eng9e]+ s]vices 9 connection ) flood    
insurance cov]age provid$ "u ?is title1 
includ+ inspections "u section #acjf7;e7
 & s]vices 9 connection ) assess+ any   
claim = losses cov]$ by a policy = su*  
cov]age1 %all--  7#a7 h regi/]$ ) !     
,adm9i/rator & c]tifi$ to ! ,adm9i/rator
 t ! eng9e] is pr(essionally lic5s$ to  
practice z an eng9e]2  7#b7 h exp]tise 9
 a p>ticul> discipl9e ( eng9e]+ or act  
)9 ! area ( _! compet5cy1 z !           

,adm9i/rator %all require2 &  7#c7 be   
c]tifi$ by ! ,adm9i/rator pursuant to   
subsection 7b74  7b7 ,c]tification by   
,,fema  7#a7 ,requirem5t ,! ,adm9i/rator
 %all c>ry out a program "u ?is         
subsection to c]tify eng9e]s z qualifi$ 
to provide eng9e]+ s]vices 9 connection 
) flood insurance cov]age provid$ "u ?is
 title4  7#b7 ,cont5ts ,! program "u ?is
 subsection %all-- 7,a7 include an      
initial tra9+ sem9>2  7,b7 provide su*  
/&>ds & te/+ requirem5ts z !            
,adm9i/rator %all e/abli%2 &  7,c7      
require an annual r5ewal ( c]tification 
?r\gh cont9u+ education4  7c7 ,fees     
7#a7 ,s*$ule2 collection ,! ,adm9i/rator
 %all e/abli% & collect fees us+ a      
/&>diz$ fee s*$ule = all eng9e]+ s]vices
 provid$ 9 connection ) flood insurance 
cov]age provid$ "u ?is title1 :i* s*$ule
 %all be simil> to ! fee s*$ule ( !     
,adm9i/rator us$ = companies adju/+     
claims "u su* cov]age4  7#b7 ,deposit   
,any fees collect$ "u p>agraph 7#a7     
section %all be deposit$ into !         

,national ,flood ,insurance ,fund       
pursuant to section #acaj7;b77#f74  7d7 
,id5tification numb]s ,! ,adm9i/rator   
%all e/abli% a sy/em to provide a unique
 num]ical id5tifi] = ea* eng9e] t       
provides eng9e]+ s]vices 9 connection ) 
flood insurance cov]age provid$ "u ?is  
title to assi/ 9 track+ pa/ p]=mance 9 !
 provision ( su* s]vices4  7e7          
,submission ( docum5tation ,9 ! case (  
any insurance company p>ticipat+ 9 !    
,write ,y\r ,own program 7z su* t]m is  
def9$ 9 section #ajjbjb ( !             
,bigg]t-,wat]s ,flood ,insurance ,re=m  
,act ( #bjab 7#db ,u4,s4,c4 #djjd773    
7#a7 ,to ,write ,y\r ,own insur]s ,!    
,adm9i/rator %all-- 7,a7 require all su*
 p>ticipat+ insurance companies to obta9
 f provid]s ( eng9e]+ s]vices provid$ 9 
connection ) flood insurance cov]age    
provid$ "u ?is title1 includ+ any       
sub-contractors1  7i7 docum5tation      
suffici5t to itemize & disaggregate !   
co/s & fees = su* s]vices1 includ+ !    
co/s & fees = any subcontractors2 &     

7ii7 all photos1 notes1 draft reports1 &
 o!r docum5tation relat+ to provid+ su* 
s]vices 9 connection ) a claim "u su*   
cov]age2  7,b7 make available to su*    
p>ticipat+ insurance companies ! fee    
s*$ule e/abli%$ "u subsection 7c7 & su* 
o!r in=mation z may be necess>y to      
enable su* p>ticipat+ insurance         
companies to det]m9e :e!r ! co/s & fees 
*>g$ by provid]s ( eng9e]+ s]vices are  
reasonable 9 relation to ! s]vices      
provid$4  7#b7 ,to ,,fema ,!            
,adm9i/rator %all require ea* su*       
insurance company to submit to !        
,adm9i/rator1 be=e any reimbursem5t or  
o!r all[ance1 paym5t1 or comp5sation is 
provid$ "u ! ,write ,y\r ,own program 9 
connection ) eng9e]+ s]vices provid$1   
all support+ docum5tation relat+ to su* 
eng9e]+ s]vices4  4  7b7 ,use ( fees    
,subsection 7a7 ( section #acaj ( !     
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #djag7;a77 is am5d$--   
7#a7 by r$esignat+ p>agraphs 7#g7 & 7#h7
 z p>agraphs 7#i7 & 7#aj71 respectively2

 &  7#b7 by ins]t+ aft] p>agraph 7#f7 ! 
foll[+ new p>agraph3  7#g7 to ! ext5t t 
fees are deposit$ 9 ! ,fund pursuant to 
section #acdi7;c77#b71 = co/s associat$ 
) c>ry+ out sy/ems = c]tification &     
id5tification "u subsections 7b7 & 7d71 
respectively1 ( section #acdi2  4  #g4  
,publicly se>*able onl9e regi/ry ,"p ,c 
( *apt] #b ( ! ,national ,flood         
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djha et seq471 z am5d$ by ! prec$+     
provisions ( ?is ,act1 is fur!r am5d$ by
 add+ at ! end ! foll[+ new section3    
#acej4 ,publicly se>*able onl9e regi/ry 
7a7 ,e/abli%m5t & ma9t5ance ,!          
,adm9i/rator %all provide = ! e/abli%m5t
 & ma9t5ance ( a national regi/ry1      
organiz$ by ,/ate ( resid5ce1 ( all     
companies & individuals provid+ s]vices 
relat+ to ! sell+1 writ+1 or s]vic+ (   
flood insurance made available "u ?is   
title or relat+ to ! adju/+ ( claims "u 
su* flood insurance1 :i* %all include   
all insurance companies p>ticipat+ 9 !  
,write ,y\r ,own program 7z su* t]m is  

def9$ 9 section #ajjbjb ( !             
,bigg]t-,wat]s ,flood ,insurance ,re=m  
,act ( #bjab 7#db ,u4,s4,c4 #djjd77 &   
all individuals p>ticipat+ 9 ! direct   
s]vic+ program1 includ+--  7#a7 all     
individuals sell+ & writ+ policies =    
flood insurance cov]age "u ?is title2   
7#b7 all companies & individuals provid+
 adju/+ s]vices 9 connection ) su* flood
 insurance2  7#c7 all companies &       
individuals provid+ eng9e]+ s]vices 9   
connection ) su* flood insurance1       
id5tification ( eng9e]s us+ ! unique    
num]ical id5tifi] assign$ pursuant to   
section #acdi7;d71 & in=mation reg>d+   
pa/ p]=mance 9 provid+ su* s]vices1     
includ+ id5tification ( cases work$ on1 
cases t involv$ litigation1 & any       
association ( ! eng9e] ) any company    
convict$ ( fraud2  7#d7 in=mation       
id5tify+ all p5alties1 f9es1 & crim9al  
convictions ( all su* companies &       
individuals relat+ to ! op]ation ( !    
national flood insurance program2 &     
7#e7 in=mation id5tify+ any conviction  

or p5alty assess$ = fraud p]ta9+ to any 
su* company or individual4  7b7 ,public 
availability ,! ,adm9i/rator %all ensure
 t ! regi/ry requir$ to be e/abli%$ &   
ma9ta9$ "u ?is section is publicly      
available onl9e 9 a mann] t provides !  
capacity to se>* ! regi/ry by ! "n ( !  
company or individual4  7c7 ,annual     
review ,! ,comptroll] ,g5]al ( ! ,unit$ 
,/ates %all conduct a review ( ! regi/ry
 e/abli%$ & ma9ta9$ "u ?is section on a 
bi5nial basis to ensure its accuracy &  
curr5cy4  7d7 ,adm9i/ration  7#a7       
,nonpr(it organization ,! ,adm9i/rator  
%all ent] into a contract ) an          
appropriate nonpr(it organization to    
e/abli% & ma9ta9 ! regi/ry "u ?is       
section4  7#b7 ,au?orization (          
appropriations ,!re is au?oriz$ to be   
appropriat$ = paym5ts "u ! contract "u  
p>agraph 7#a7 su* sums z may be necess>y
 = e/abli%m5t & ma9t5ance ( ! national  
regi/ry "u ?is section4  4  #h4         
,p5alties = fraud & false /atem5ts 9 !  
,national ,flood ,insurance ,program ,"p

 ,c ( *apt] #b ( ! ,national ,flood     
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djha et seq471 z am5d$ by ! prec$+     
provisions ( ?is ,act1 is fur!r am5d$ by
 add+ at ! end ! foll[+ new section3    
#acea4 ,p5alties = fraud & false        
/atem5ts 9 ! ,national ,flood ,insurance
 ,program  7a7 ,(f5se ,x %all be        
unlawful1 9 ! prep>ation1 production1 or
 submission ( any report 9 connection ) 
! prov+ or adju/+ ( a claim = flood     
insurance cov]age made available "u ?is 
title1 includ+ any eng9e]+ report or    
claims adju/m5t report1 to kn[+ly engage
 9 ! practice ( eng9e]+ )\t a lic5se1 to
 kn[+ly =ge any su* report1 or to kn[+ly
 make any mat]ially false1 fictiti\s1 or
 fraudul5t /atem5t or repres5tation 9   
su* a report4  7b7 ,p5alties ,:oev]     
violates subsection 7a7 %all be subject 
to any "o or m ( ! foll[+ p5alties3 7#a7
 ,crim9al ,9 ! case ( a p]son :o is an  
individual1 imprisonm5t = n m ?an #ah   
mon?s4  7#b7 ,civil ,su* civil p5alties 
z ! ,adm9i/rator1 ! ,secret>y ( ,homel& 

,security1 & ! ,attorney ,g5]al %all1 by
 regulation1 e/abli%1 :i* may include   
civil monet>y p5alties & f9es1 susp5sion
 & deb>m5t f p>ticipation 9 ! ,national 
,flood ,insurance ,program1 & su* o!r   
civil sanctions z su* (ficials consid]  
appropriate4 ,9 ! case ( any f9e or     
monet>y p5alty collect$ pursuant to ?is 
p>agraph1 su* am\nts collect$ %all be   
paid to ! own] ( ! prop]ty = :i* ! claim
 involv$ 0 made4  7c7 ,exemption ,!     
(f5se "u subsection 7a7 is exempt$ f !  
applicability ( ! f9e provid$ "u section
 #cega ( title #ah1 ,unit$ ,/ates ,code4
  4  #i4 ,:i/lebl[] protection =        
employees  7a7 ,9 g5]al ,"p ,c ( *apt]  
#b ( ! ,national ,flood ,insurance ,act 
( #aifh 7#db ,u4,s4,c4 #djha et seq471 z
 am5d$ by ! prec$+ provisions ( ?is     
,act1 is fur!r am5d$ by add+ at ! end ! 
foll[+ new section3  #aceb4 ,:i/lebl[]  
protection = employees  7a7 ,9 g5]al ,no
 p]son %all t]m9ate or 9 any o!r way    
discrim9ate aga9/1 or cause to be       
t]m9at$ or discrim9at$ aga9/1 any cov]$ 

employee or any au?oriz$ repres5tative (
 cov]$ employees by reason ( ! fact t   
su* employee or repres5tative1 :e!r at !
 initiative ( ! employee or 9 ! ord9>y  
c\rse ( ! duties ( ! employee 7or any   
p]son act+ pursuant to a reque/ ( !     
employee71 has--  7#a7 provid$1 caus$ to
 be provid$1 or is ab\t to provide or   
cause to be provid$1 in=mation to !     
employ]1 ! ,ag5cy1 ! ,f$]al ,bureau (   
,inve/igation1 or any o!r ,/ate1 local1 
or ,f$]al1 gov]nm5t au?ority or law     
en=cem5t ag5cy relat+ to any violation  
(1 or any act or omission t !re are     
reasonable gr\nds to believe 7:e!r or n 
! employee actually has su* belief7 to  
be a violation (1 any provision ( any   
law relat+ to ! ,national ,flood        
,insurance ,program or any rule1 ord]1  
/&>d1 or prohibition prescrib$ by !     
,ag5cy 9 connection ) ! ,national ,flood
 ,insurance ,program2  7#b7 te/ifi$ or w
 te/ify 9 any proce$+ result+ f !       
adm9i/ration or en=cem5t ( any provision
 ( any law relat+ to ! ,national ,flood 

,insurance ,program or any rule1 ord]1  
/&>d1 or prohibition prescrib$ by !     
,ag5cy 9 connection ) ! ,national ,flood
 ,insurance program2  7#c7 fil$1        
in/itut$1 or caus$ to be fil$ or        
in/itut$ any proce$+ "u ! ,national     
,flood ,insurance ,program2 or  7#d7    
object$ to1 or refus$ to p>ticipate 91  
any activity1 policy1 practice1 or      
assign$ task t ! employee 7or o!r su*   
p]son7 reasonably believ$ to be 9       
violation ( any law1 rule1 ord]1 /&>d1  
or prohibition1 subject to !            
jurisdiction (1 or en=ceable by1 !      
,ag5cy 9 connection ) ! ,national ,flood
 ,insurance ,program4  7b7 ,proc$ures & 
,timetables  7#a7 ,compla9t  7,a7 ,9    
g5]al ,a p]son :o believes t he or %e   
has be5 dis*>g$ or o!rwise discrim9at$  
aga9/ by any p]son 9 violation (        
subsection 7a7 may1 n lat] ?an #ahj days
 aft] ! date on :i* su* alleg$ violation
 occurs1 file 7or h any p]son file on 8 
or h] behalf7 a compla9t ) !            
,adm9i/rator alleg+ su* dis*>ge or      

discrim9ation & id5tify+ ! p]son        
responsible = su* act4  7,b7 ,actions ( 
,adm9i/rator ,^u receipt ( su* a        
compla9t1 ! ,adm9i/rator %all notify1 9 
writ+1 ! p]son nam$ 9 ! compla9t :o is  
alleg$ to h committ$ ! violation1 (--   
7i7 ! fil+ ( ! compla9t2  7ii7 !        
allegations conta9$ 9 ! compla9t2  7iii7
 ! sub/ance ( evid5ce support+ !        
compla9t2 &  7iv7 opportunities t w be  
af=d$ to su* p]son "u p>agraph 7#b74    
7#b7 ,inve/igation by ,adm9i/rator  7,a7
 ,9 g5]al ,n lat] ?an #fj days aft] !   
date ( receipt ( a compla9t fil$ "u     
p>agraph 7#a71 & aft] af=d+ ! compla9ant
 & ! p]son nam$ 9 ! compla9t :o is      
alleg$ to h committ$ ! violation t is ! 
basis = ! compla9t an opportunity to    
submit to ! ,adm9i/rator a writt5       
response to ! compla9t & an opportunity 
to meet ) a repres5tative ( !           
,adm9i/rator to pres5t /atem5ts f       
witnesses1 ! ,adm9i/rator %all--  7i7   
initiate an inve/igation & det]m9e :e!r 
!re is reasonable cause to believe t !  

compla9t has m]it2 &  7ii7 notify !     
compla9ant & ! p]son alleg$ to h        
committ$ ! violation ( subsection 7a71 9
 writ+1 ( su* det]m9ation4  7,b7 ,notice
 ( relief available ,if ! ,adm9i/rator  
concludes t !re is reasonable cause to  
believe t a violation ( subsection 7a7  
has occurr$1 ! ,adm9i/rator %all1 toge!r
 ) ! notice "u subp>agraph 7,a77ii71    
issue a prelim9>y ord] provid+ ! relief 
prescrib$ by p>agraph 7#d77;,b74  7,c7  
,reque/ = he>+ ,n lat] ?an #cj days aft]
 ! date ( receipt ( notification ( a    
det]m9ation ( ! ,adm9i/rator "u ?is     
p>agraph1 ei!r ! p]son alleg$ to h      
committ$ ! violation or ! compla9ant may
 file objections to ! f9d+s or prelim9>y
 ord]1 or bo?1 & reque/ a he>+ on !     
record4 ,! fil+ ( su* objections %all n 
op]ate to /ay any re9/atem5t rem$y      
conta9$ 9 ! prelim9>y ord]4 ,any su*    
he>+ %all be conduct$ exp$iti\sly1 & if 
a he>+ is n reque/$ 9 su* #cj-;day      
p]iod1 ! prelim9>y ord] %all be deem$ a 
f9al ord] t is n subject to judicial    

review4  7#c7 ,gr\nds = det]m9ation (   
compla9ts  7,a7 ,9 g5]al ,! ,adm9i/rator
 %all dismiss a compla9t fil$ "u ?is    
subsection1 & %all n conduct an         
inve/igation o!rwise requir$ "u p>agraph
 7#b71 unless ! compla9ant makes a prima
 facie %[+ t any behavior describ$ 9    
p>agraphs 7#a7 ?r\gh 7#d7 ( subsection  
7a7 0 a contribut+ factor 9 !           
unfavorable p]sonnel action alleg$ 9 !  
compla9t4  7,b7 ,rebuttal evid5ce       
,not)/&+ a f9d+ by ! ,adm9i/rator t !   
compla9ant has made ! %[+ requir$ "u    
subp>agraph 7,a71 no inve/igation       
o!rwise requir$ "u p>agraph 7#b7 %all be
 conduct$1 if ! employ] demon/rates1 by 
cle> & conv9c+ evid5ce1 t ! employ] w\ld
 h tak5 ! same unfavorable p]sonnel     
action 9 ! abs5ce ( t behavior4  7,c7   
,evid5ti>y /&>ds ,! ,adm9i/rator may    
det]m9e t a violation ( subsection 7a7  
has occurr$ only if ! compla9ant        
demon/rates t any behavior describ$ 9   
p>agraphs 7#a7 ?r\gh 7#d7 ( subsection  
7a7 0 a contribut+ factor 9 !           

unfavorable p]sonnel action alleg$ 9 !  
compla9t4 ,relief may n be ord]$ "u     
subp>agraph 7,a7 if ! employ]           
demon/rates by cle> & conv9c+ evid5ce t 
! employ] w\ld h tak5 ! same unfavorable
 p]sonnel action 9 ! abs5ce ( t         
behavior4  7#d7 ,issuance ( f9al ord]s2 
review proc$ures  7,a7 ,tim+ ,n lat] ?an
 #abj days aft] ! date ( conclusion (   
any he>+ "u p>agraph 7#b71 !            
,adm9i/rator %all issue a f9al ord]     
provid+ ! relief prescrib$ by ?is       
p>agraph or d5y+ ! compla9t4 ,at any "t 
be=e issuance ( a f9al ord]1 a proce$+  
"u ?is subsection may be t]m9at$ on !   
basis ( a settlem5t agreem5t ent]$ into 
by ! ,adm9i/rator1 ! compla9ant1 & !    
p]son alleg$ to h committ$ ! violation4 
7,b7 ,p5alties  7i7 ,ord] ( ,adm9i/rator
 ,if1 9 response to a compla9t fil$ "u  
p>agraph 7#a71 ! ,adm9i/rator det]m9es t
 a violation ( subsection 7a7 has       
occurr$1 ! ,adm9i/rator %all ord] !     
p]son :o committ$ su* violation--  7,i7 
to take affirmative action to abate !   

violation2  7,,ii7 to re9/ate !         
compla9ant to 8 or h] =m] position1     
toge!r ) comp5sation1 includ+ twice !   
am\nt ( back pay due1 & re/ore ! t]ms1  
conditions1 & privileges associat$ ) 8  
or h] employm5t2 &  7,,iii7 to provide  
comp5satory damages to ! compla9ant4    
7ii7 ,p5alty ,if an ord] is issu$ "u    
clause 7i71 ! ,adm9i/rator1 at ! reque/ 
( ! compla9ant1 %all assess aga9/ !     
p]son aga9/ :om ! ord] is issu$1 a sum  
equal to ! aggregate am\nt ( all co/s & 
exp5ses 7includ+ attorney fees & exp]t  
witness fees7 reasonably incurr$1 z     
det]m9$ by ! ,adm9i/rator1 by !         
compla9ant =1 or 9 connection )1 ! br++ 
( ! compla9t ^u :i* ! ord] 0 issu$4     
7,c7 ,p5alty = frivol\s claims ,if !    
,adm9i/rator f9ds t a compla9t "u       
p>agraph 7#a7 is frivol\s or has be5    
br\ght 9 bad fai?1 ! ,adm9i/rator may   
aw>d to ! prevail+ employ] a reasonable 
attorney fee1 n exce$+ #a1jjj1 to be    
paid by ! compla9ant4  7,d7 ,de novo    
review  7i7 ,failure ( ! ,adm9i/rator to

 act ,if ! ,adm9i/rator has n issu$ a   
f9al ord] )9 #baj days aft] ! date (    
fil+ ( a compla9t "u ?is subsection1 or 
)9 #ij days aft] ! date ( receipt ( a   
writt5 det]m9ation1 ! compla9ant may br+
 an action at law or equity = de novo   
review 9 ! appropriate di/rict c\rt ( ! 
,unit$ ,/ates hav+ jurisdiction1 :i*    
%all h jurisdiction ov] su* an action   
)\t reg>d to ! am\nt 9 controv]sy1 & :i*
 action %all1 at ! reque/ ( ei!r p>ty to
 su* action1 be tri$ by ! c\rt ) a jury4
  7ii7 ,proc$ures ,a proce$+ "u clause  
7i7 %all be gov]n$ by ! same legal      
burd5s ( pro( specifi$ 9 p>agraph 7#c74 
,! c\rt %all h jurisdiction to grant all
 relief necess>y to make ! employee     
:ole1 includ+ injunctive relief &       
comp5satory damages1 includ+--  7,i7    
re9/atem5t ) ! same s5iority /atus t !  
employee w\ld h _h1 b = ! dis*>ge or    
discrim9ation2  7,,ii7 comp5sation 9 !  
am\nt equal to twice ! am\nt ( back pay 
due1 ) int]e/2 &  7,,iii7 comp5sation = 
any special damages su/a9$ z a result ( 

! dis*>ge or discrim9ation1 includ+     
litigation co/s1 exp]t witness fees1 &  
reasonable attorney fees4  7,e7 ,o!r    
appeals ,unless ! compla9ant br+s an    
action "u subp>agraph 7,d71 any p]son   
adv]sely affect$ or aggriev$ by a f9al  
ord] issu$ "u subp>agraph 7,a7 may file 
a petition = review ( ! ord] 9 ! ,unit$ 
,/ates ,c\rt ( ,appeals = ! circuit 9   
:i* ! violation ) respect to :i* ! ord] 
0 issu$1 alleg$ly occurr$ or ! circuit 9
 :i* ! compla9ant resid$ on ! date ( su*
 violation1 n lat] ?an #fj days aft] !  
date ( ! issuance ( ! f9al ord] ( !     
,adm9i/rator "u subp>agraph 7,a74       
,review %all con=m to *apt] #g ( title  
#e1 ,unit$ ,/ates ,code4 ,! comm5cem5t (
 proce$+s "u ?is subp>agraph %all n1    
unless ord]$ by ! c\rt1 op]ate z a /ay (
 ! ord]4 ,an ord] ( ! ,adm9i/rator )    
respect to :i* review c\ld h be5 obta9$ 
"u ?is subp>agraph %all n be subject to 
judicial review 9 any crim9al or o!r    
civil proce$+4  7#e7 ,failure to comply 
) ord]  7,a7 ,actions by ! ,adm9i/rator 

,if any p]son has fail$ to comply ) a   
f9al ord] issu$ "u p>agraph 7#d71 !     
,adm9i/rator may file a civil action 9 !
 ,unit$ ,/ates di/rict c\rt = ! di/rict 
9 :i* ! violation 0 f\nd to h occurr$1  
or 9 ! ,unit$ ,/ates di/rict c\rt = !   
,di/rict ( ,columbia1 to en=ce su* ord]4
 ,9 actions br\ght "u ?is p>agraph1 !   
di/rict c\rts %all h jurisdiction to    
grant all appropriate relief includ+    
injunctive relief & comp5satory damages4
  7,b7 ,civil actions to compel         
compliance ,a p]son on ^: behalf an ord]
 0 issu$ "u p>agraph 7#d7 may comm5ce a 
civil action aga9/ ! p]son to :om su*   
ord] 0 issu$ to require compliance ) su*
 ord]4 ,! appropriate ,unit$ ,/ates     
di/rict c\rt %all h jurisdiction1 )\t   
reg>d to ! am\nt 9 controv]sy or !      
citiz5%ip ( ! p>ties1 to en=ce su* ord]4
  7,c7 ,aw>d ( co/s au?oriz$ ,! c\rt1 9 
issu+ any f9al ord] "u ?is p>agraph1 may
 aw>d co/s ( litigation 7includ+        
reasonable attorney & exp]t witness     
fees7 to any p>ty1 :5ev] ! c\rt det]m9es

 su* aw>d is appropriate4  7,d7 ,m&amus 
proce$+s ,any nondiscretion>y duty      
impos$ by ?is section %all be en=ceable 
9 a m&amus proce$+ br\ght "u section    
#acfa ( title #bh1 ,unit$ ,/ates ,code4 
7c7 ,un5=ceability ( ,c]ta9 ,agreem5ts  
7#a7 ,no waiv] ( rights & rem$ies       
,except z provid$ "u p>agraph 7#c71 &   
not)/&+ any o!r provision ( law1 !      
rights & rem$ies provid$ = 9 ?is section
 may n be waiv$ by any agreem5t1 policy1
 =m1 or condition ( employm5t1 includ+  
by any pre-dispute arbitration agreem5t4
  7#b7 ,no pre-dispute arbitration      
agreem5ts ,except z provid$ "u p>agraph 
7#c71 & not)/&+ any o!r provision ( law1
 no pre-dispute arbitration agreem5t    
%all be valid or en=ceable to ! ext5t t 
x requires arbitration ( a dispute aris+
 "u ?is section4  7#c7 ,exception       
,not)/&+ p>agraphs 7#a7 & 7#b71 an      
arbitration provision 9 a collective    
b>ga9+ agreem5t %all be en=ceable z to  
disputes aris+ "u subsection 7a77#d71   
unless ! ,adm9i/rator det]m9es1 by rule1

 t su* provision is inconsi/5t ) !      
purposes ( ?is title4  7d7 ,def9itions  
,= purposes ( ?is section1 ! foll[+     
def9itions %all apply3 7#a7 ,adm9i/rator
 ,! t]m ,adm9i/rator means !            
,adm9i/rator ( ! ,f$]al ,em]g5cy        
,managem5t ,ag5cy4  7#b7 ,ag5cy ,! t]m  
,ag5cy means ! ,f$]al ,em]g5cy          
,managem5t ,ag5cy4  7#c7 ,cov]$ employee
 ,! t]m cov]$ employee means any        
individual p]=m+ tasks relat$ to !      
,national ,flood ,insurance ,program1   
includ+ su* employees (--  7,a7 !       
,ag5cy2  7,b7 ! ,dep>tm5t ( ,homel&     
,security2  7,c7 an insurance company   
p>ticipat+ 9 ! ,write ,y\r ,own program 
7z su* t]m is def9$ 9 section #ajjbjb ( 
! ,bigg]t-,wat]s ,flood ,insurance ,re=m
 ,act ( #bjab 7#db ,u4,s4,c4 #djjd772   
7,d7 a ?ird-p>ty adm9i/rator = an       
insurance company describ$ 9 subp>agraph
 7,c72  7,e7 an eng9e]1 or eng9e]+      
company1 engag$ 9 provid+ eng9e]+       
s]vices 9 connection ) ! ,national      
,flood ,insurance ,program1 or a        

sub-contractor ( su* an eng9e] or       
company2 &  7,f7 a claims adju/]1 or    
claims adju/+ company1 engag$ 9 provid+ 
claims adju/+ s]vices 9 connection ) !  
,national ,flood ,insurance ,program1 or
 a sub-contractor ( su* an claims adju/]
 or company4  4  7b7 ,availability (    
,flood ,insurance ,fund ,subsection 7a7 
( section #acaj ( ! ,national ,flood    
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djag7;a771 z am5d$ by section #f7;b7 ( 
?is ,act1 is fur!r am5d$ by ins]t+ aft] 
p>agraph 7#g7 ! foll[+ new p>agraph3    
7#g7 = p5alties1 relief1 & co/s "u      
section #aceb7;b71 to ! ext5t ord]$ to  
be paid by ! ,adm9i/rator or any (fic]  
or employee ( ! ,f$]al ,em]g5cy         
,managem5t ,ag5cy2  4  #aj4 ,eng9e]+    
firm indep5d5ce ,"p ,c ( *apt] #b ( !   
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #djha et seq471 z am5d$ 
by ! prec$+ provisions ( ?is ,act1 is   
fur!r am5d$ by add+ at ! end ! foll[+   
new sections3  #acec4 ,selection &      
replacem5t ( claims adju/+ & eng9e]+    

companies  7a7 ,9 ! case ( an insurance 
company p>ticipat+ 9 ! ,write ,y\r ,own 
program 7z su* t]m is def9$ 9 section   
#ajjbjb ( ! ,bigg]t-,wat]s ,flood       
,insurance ,re=m ,act ( #bjab 7#db      
,u4,s4,c4 #djjd77 t engages any adju/+  
company or eng9e]+ company 9 ! adju/m5t 
( a claim = losses result+ f /ructural  
damage to a prop]ty "u a policy = flood 
insurance cov]age made available "u ?is 
title--  7#a7 no repres5tative ( !      
adju/+ company or eng9e]+ company may   
visit ! prop]ty be=e ! expiration ( !   
#cj-;day p]iod beg9n+ ^u ! date t !     
insurance company provides notice to !  
own] ( ! prop]ty t su* adju/+ or eng9e]+
 company has be5 engag$1 unless ! own]1 
9 writ+1 cons5ts to an e>li] visit2 &   
7#b7 if ! policyhold] submits to !      
insurance company writt5 notice (       
disapproval ( ! adju/+ or eng9e]+       
company select$ by su* insurance company
 be=e a repres5tative ( ! adju/+ or     
eng9e]+ company fir/ visits ! prop]ty1  
su* insurance company %all--  7,a7 )9   

#cj days aft] ! policyhold]'s           
notification ( su* disapproval-- 7i7    
submit to ! ,adm9i/rator notice ( !     
policyhold]s notification ( su*         
disapproval2 &  7ii7 submit to !        
policyhold] a li/ ( n less ?an ?ree o!r 
adju/+ or eng9e]+ companies1 z ! case   
may be1 t are unaffiliat$ ) ! disapprov$
 company to conduct ! activities involv$
 9 adju/+ su* claim2 &  7,b7 replace !  
orig9al adju/+ or eng9e]+ company ) !   
company f su* li/ select$ by !          
policyhold]1 if ! policyhold] notifies !
 insurance company & ! ,adm9i/rator1 9  
writ+1 ( ! policyhold]'s select$ company
 )9 #cj days aft] receiv+ ! li/ requir$ 
"u subp>agraph 7,a74  #aced4 ,eng9e]+   
firm indep5d5ce  7a7 ,9 g5]al ,x %all be
 unlawful1 9 p>ticipat+ 9 ! ,write ,y\r 
,own program 7z su* t]m is def9$ 9      
section #ajjbjb ( ! ,bigg]t-,wat]s      
,flood ,insurance ,re=m ,act ( #bjab    
7#db ,u4,s4,c4 #djjd771 to engage 9 any 
act or practice t violates ! indep5d5ce 
( an eng9e]+ company or individual      

eng9e] provid+ eng9e]+ s]vices 9        
connection ) flood insurance cov]age    
made available "u ?is title4  7b7       
,violations ,= purposes ( subsection    
7a71 acts or practices t violate !      
indep5d5ce ( an eng9e]+ company or      
individual eng9e] %all include--  7#a7 !
 prep>ation or submission ( any eng9e]+ 
report 9 connection ) a claim = damages 
"u flood insurance cov]age 9 :i* a p]son
 ) an int]e/ 9 ! aw>d ( su* damages     
comp5sates1 co]ces1 extorts1 colludes1  
in/ructs1 induces1 bribes1 or           
intimidates a p]son1 eng9e]+ firm1 or   
o!r entity responsible = assess+ damages
 = ! purpose ( caus+ ! damages assign$  
to be bas$ on any factor o!r ?an !      
indep5d5t judgm5t ( ! eng9e]+ company or
 individual eng9e]2  7#b7 mis*>act]iz+1 
or suborn+ any mis*>act]ization (1 !    
damages involv$ 9 any su* claim2  7#c7  
seek+ to influ5ce an eng9e] or o!rwise  
to enc\rage a t>get$ value ( damages 9  
ord] to facilitate ! mak+ ( a report2 & 
7#d7 )hold+ or ?reat5+ to )hold timely  

paym5t = an eng9e]+ report or = eng9e]+ 
s]vices r5d]$4  7c7 ,exceptions ,!      
requirem5ts ( subsection 7b7 %all n be  
con/ru$ z prohibit+ an insurance company
 p>ticipat+ 9 ! ,write ,y\r ,own        
program1 a claims adju/+ company1 or an 
eng9e]+ company f ask+ an eng9e] to     
und]take "o or m ( ! foll[+3  7#a7      
,consid] additional in=mation4  7#b7    
,provide fur!r detail1 sub/antiation1 or
 explanation = an assessm5t ( damages4  
7#c7 ,correct errors 9 an eng9e]+       
report4  7d7 ,prohibitions on conflicts 
( int]e/ ,no eng9e] engag$ by an        
insurance company p>ticipat+ 9 ! ,write 
,y\r ,own program to assess flood       
damages to a prop]ty cov]$ by flood     
insurance made available "u ?is title   
may h an own]%ip or f9ancial int]e/ 9-- 
7#a7 su* insurance company1 any claims  
adju/+ company1 or any o!r company1 o!r 
?an ! company t employs su* eng9e]1 t is
 connect$ ) assess+ su* damages2 or     
7#b7 ! prop]ty be+ assess$4  7e7        
,m&atory report+ ,an insurance company  

p>ticipat+ 9 ! ,write ,y\r ,own program 
:i* kn[s1 ^u or be=e submitt+ to !      
,adm9i/rator a claim = damages "u flood 
insurance cov]age made available "u ?is 
title1 ( a violation ( ! indep5d5ce     
/&>ds "u ?is section1 may n submit su* a
 claim unless ! insurance company       
includes1 toge!r ) su* claim1 a         
c]tification t ! violation involv$ does 
n mat]ially mi/ake ! value ( ! damages &
 docum5tation to support su* claim4  4  
#aa4 ,,gao reports  7a7 ,report on      
effects ( global w>m+ on flood insurance
 program solv5cy ,n lat] ?an !          
expiration ( ! #ah-mon? p]iod beg9n+ on 
! date ( ! enactm5t ( ?is ,act1 !       
,comptroll] ,g5]al ( ! ,unit$ ,/ates    
%all submit to ! ,congress a report     
analyz+ ! effects ( global w>m+ on !    
fiscal solv5cy ( ! ,national ,flood     
,insurance ,program4  7b7 ,report on    
,,wyo companies ,! ,comptroll] ,g5]al ( 
! ,unit$ ,/ates %all conduct a /udy (   
claims "u flood insurance cov]age       
provid$ ?r\gh insurance companies       

p>ticipat+ 9 ! ,write ,y\r ,own program 
( ! ,national ,flood ,insurance ,program
 pursuant to losses result+ f ,hurricane
 ,s&y ( #bjab1 :i* %all det]m9e--  7#a7 
h[ mu* pr(it su* insur]s made pursuant  
to su* claims2  7#b7 h[ _m ( su* claims 
7 made & process$2 &  7#c7 ! am\nt ( ea*
 su* claim t 0 approv$ & paid4  ,n lat] 
?an ! expiration ( ! #ab-mon? p]iod     
beg9n+ on ! date ( ! enactm5t ( ?is     
,act1 ! ,comptroll] ,g5]al %all submit a
 report to ! ,congress reg>d+ !         
conclusions ( ! /udy conduct$ pursuant  
to ?is subsection4  #ab4 ,regulations ,n
 lat] ?an ! expiration ( ! #ab-mon?     
p]iod beg9n+ on ! date ( ! enactm5t (   
?is ,act1 ! ,adm9i/rator ( ! ,f$]al     
,em]g5cy ,managem5t ,ag5cy %all issue   
regulations necess>y to c>ry out ?is    
,act & ! am5dm5ts made by ?is ,act4