,i  #aae? ,,congress  #a/ ,session  ,h4 
,r4 #bhge  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,june #ab1 #bjag,ms4  
,velzquez introduc$ ! foll[+ bill2 :i* 0
 ref]r$ to ! ,committee on ,f9ancial    
,s]vices  ,a ,,bill  ,to make           
adm9i/rative re=ms to ! ,national ,flood
 ,insurance ,program to increase        
fairness & accuracy & protect ! taxpay] 
f program fraud & abuse1 & = o!r        
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,national ,flood ,insurance
 ,program ,adm9i/rative ,re=m ,act (    
#bjag4  #b4 ,increas$ co/ ( compliance  
cov]age  7a7 ,cov]age ( prop]ties at    
high risk ( future flood damage         
,subsection 7b7 ( section #acjd ( !     
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #djaa7;b77 is am5d$--   
7#a7 9 p>agraph 7#d71 by r$esignat+     
subp>agraphs 7,a7 ?r\gh 7,d7 z clauses  
7i7 ?r\gh 7iv71 respectively1 & realign+
 su* clauses1 z s r$esignat$1 s z to be 
ind5t$ #f ems f ! left m>g92  7#b7 by   
r$esignat+ p>agraphs 7#a7 ?r\gh 7#d7 z  

subp>agraphs 7,a7 ?r\gh 7,d71           
respectively1 & realign+ su*            
subp>agraphs1 z s r$esignat$1 s z to be 
ind5t$ #d ems f ! left m>g92  7#c7 by   
/rik+ ! subsection designation & all t  
foll[s ?r\gh ,! national & ins]t+ !     
foll[+3  7b7 ,additional cov]age =      
compliance ) l& use & control measures  
7#a7 ,au?ority2 eligible prop]ties ,!   
national  2  7#d7 9 subp>agraph 7,c7 7z 
s r$esignat$ by p>agraph 7#b7 ( ?is     
subsection71 by /rik+ ,fund & all t     
foll[s & ins]t+ ,fund to require !      
implem5tation ( su* measures22  7#e7 9  
subp>agraph 7,d77iv7 7z s r$esignat$ by 
p>agraphs 7#a7 & 7#b7 ( ?is subsection71
 by /rik+ ! p]iod at ! end & ins]t+ a   
semicolon2 &  7#f7 by add+ at ! end !   
foll[+ new subp>agraphs3  7,e7 prop]ties
 t h be5 id5tifi$ by ! ,adm9i/rator1 or 
by a community 9 accordance ) su*       
requirem5ts z ! ,adm9i/rator %all       
e/abli%1 z at a high risk ( future flood
 damage2 &  7,f7 prop]ties t are locat$ 
)9 an area id5tifi$ pursuant to section 

#acfa7;e77#a77;,a7 7#db ,u4,s4,c4       
#dajb7;e77#a77;,a77 by a cov]$ community
 7z su* t]m is def9$ 9 p>agraph 7#c7 (  
su* section #acfa7;e774  4  7b7 ,cov]age
 am\nt ,section #acjd7;b7 ( ! ,national 
,flood ,insurance ,act ( #aifh 7#db     
,u4,s4,c4 #djaa7;b77 is am5d$-- 7#a7 9  
p>agraph 7#a7 7z s designat$ by         
subsection 7a77#c7 ( ?is section71 by   
/rik+ ! la/ s5t5ce 7relat+ to a         
sur*>ge72 &  7#b7 by add+ at ! end !    
foll[+ new p>agraph3  7#b7 ,cov]age     
am\nt  7,a7 ,prim>y cov]age ,ea* policy 
= flood insurance cov]age made available
 "u ?is title %all provide cov]age "u   
?is subsection hav+ an aggregate        
liability = any s+le prop]ty ( #cj1jjj4 
7,b7 ,enhanc$ cov]age ,! ,adm9i/rator   
%all make additional cov]age available  
"u ?is subsection1 9 excess ( ! limit   
specifi$ 9 subp>agraph 7,a71 hav+ an    
aggregate liability = any s+le prop]ty (
 up to #fj1jjj4  4  7c7 ,am\nt ( sur*>ge
 ,subsection 7b7 ( section #acjd ( !    
,national ,flood ,insurance ,act ( #aifh

 7#db ,u4,s4,c4 #djaa7;b771 z am5d$ by !
 prec$+ provisions ( ?is section1 is    
fur!r am5d$ by add+ at ! end ! foll[+   
new p>agraph3  7#c7 ,sur*>ge = cov]age  
7,a7 ,prim>y cov]age ,! ,adm9i/rator    
%all impose a sur*>ge on ea* insur$ (   
su* am\nt p] policy z ! ,adm9i/rator    
det]m9es is appropriate to provide co/ (
 compliance cov]age 9 accordance )      
p>agraph 7#b77;,a74  7,b7 ,enhanc$      
cov]age ,= ea* flood policy = flood     
insurance cov]age "u ?is title "u :i*   
additional co/ ( compliance cov]age is  
provid$ pursuant to p>agraph 7#b77;,b71 
! ,adm9i/rator %all impose a sur*>ge1 9 
addition to ! sur*>ge "u subp>agraph    
7,a7 ( ?is p>agraph1 9 su* am\nt z !    
,adm9i/rator det]m9es is appropriate = !
 am\nt ( su* cov]age provid$4  4  7d7   
,use ( c]ta9 mat]ials ,subsection 7b7 ( 
section #acjd ( ! ,national ,flood      
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djaa7;b771 z am5d$ by ! prec$+         
provisions ( ?is section1 is fur!r am5d$
 by add+ at ! end ! foll[+ new p>agraph3

  7#d7 ,use ( c]ta9 mat]ials ,!         
,adm9i/rator %all require t any measures
 implem5t$ us+ am\nts made available f  
cov]age provid$ pursuant to ?is         
subsection be c>ri$ out us+ mat]ials1   
id5tifi$ by ! ,adm9i/rator1 t m9imize ! 
impact ( flood+ on ! usability ( ! cov]$
 prop]ty & r$uce ! duration t flood+    
r5d]s ! prop]ty unusable or             
un9habitable4  4  7e7 ,cont9u$ flood    
insurance requirem5t ,subsection 7b7 (  
section #acjd ( ! ,national ,flood      
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djaa7;b771 z am5d$ by ! prec$+         
provisions ( ?is section1 is fur!r am5d$
 by add+ at ! end ! foll[+ new p>agraph3
  7#e7 ,cont9u$ flood insurance         
requirem5t ,! ,adm9i/rator may require1 
z a condition ( provid+ co/ ( compliance
 cov]age "u ?is subsection = a prop]ty1 
t ! own] ( ! prop]ty ent] into su* b9d+ 
agreem5ts z ! ,adm9i/rator consid]s     
necess>y to ensure t ! own] ( ! prop]ty 
7& any subsequ5t own]s7 w ma9ta9 flood  
insurance cov]age "u ?is title = !      

prop]ty 9 su* am\nt1 & at all times dur+
 a p]iod hav+ su* duration1 z !         
,adm9i/rator consid]s appropriate to    
c>ry out ! purposes ( ?is subsection4  4
  #c4 ,pilot program = 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  
,pilot program = inve/igation ( preexi/+
 /ructural conditions  7#a7 ,volunt>y   
program ,! ,adm9i/rator %all c>ry out a 
pilot program "u ?is subsection to      
provide = companies p>ticipat+ 9 !      
,write ,y\r ,own program 7z su* t]m is  
def9$ 9 section #acgj7;a7 7#db ,u4,s4,c4
 #daba7;a777 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 ! pilot program %all be 
volunt>y on ! "p ( ,write ,y\r ,own     
companies4  7#b7 ,inve/igation (        

prop]ties ,"u ! pilot 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  7#c7 ,int]im    
report ,n lat] ?an ,decemb] #ca1 #bjba1 
! ,adm9i/rator %all submit a report to !
 ,committee on ,f9ancial ,s]vices ( !   
,h\se ( ,repres5tatives & ! ,committee  
on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! 
,s5ate describ+ ! op]ation ( ! pilot    
program to t date4  7#d7 ,sunset ,!     
,adm9i/rator may n provide any policy = 
flood insurance describ$ 9 p>agraph     
7#b77;,a7 aft] ,decemb] #ca1 #bjbb4     
7#e7 ,f9al report ,n lat] ?an ,m>* #ca1 
#bjbc1 ! ,adm9i/rator %all submit a f9al
 report reg>d+ ! pilot program "u ?is   
section to ! ,committee on ,f9ancial    
,s]vices ( ! ,h\se ( ,repres5tatives & !
 ,committee on ,bank+1 ,h\s+1 & ,urban  
,affairs ( ! ,s5ate4 ,! report %all     
include any f9d+s & recomm5dations ( !  
,adm9i/rator reg>d+ ! pilot program4  4 
#d4 ,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 seq47 is am5d$ by add+ at ! end
 ! foll[+ new section3  #acdi4 ,p5alties
 = fraud & false /atem5ts 9 ! ,national 
,flood ,insurance ,program  7a7         
,prohibit$ acts ,a p]son %all n kn[+ly  
make a false or mislead+ /atem5t1       
production1 or submission 9 connection )
 ! prov+ or adju/+ ( a claim = flood    
insurance cov]age made available "u ?is 
,act4 ,su* prohibit$ acts include--     
7#a7 kn[+ly =g+ an eng9e]+ report1      
claims adju/m5t report or te*nical      
assi/ance report us$ to support a claim 
det]m9ation2  7#b7 kn[+ly mak+ any      
mat]ially false1 fictiti\s1 or fraudul5t
 /atem5t or repres5tation 9 an eng9e]+  
report1 claims adju/m5t report1 or      
te*nical assi/ance report to support a  
claim det]m9ation2  7#c7 kn[+ly submitt+
 a mat]ially false1 fictiti\s1 or       
fraudul5t claim4  7b7 ,civil en=cem5t ,!
 ,attorney ,g5]al may br+ a civil action

 = su* relief z may be appropriate :5ev]
 x appe>s t any p]son has violat$ or is 
ab\t to violate any provision ( ?is     
section4 ,su* action may be br\ght 9 an 
appropriate ,unit$ ,/ates di/rict c\rt4 
7c7 ,ref]ral to ,attorney ,g5]al ,!     
,adm9i/rator %all exp$iti\sly ref] to ! 
,attorney ,g5]al = appropriate action   
any evid5ce develop$ 9 ! p]=mance (     
functions "u ?is ,act t may w>rant      
consid]ation = crim9al or civil         
prosecution4  7d7 ,p5alties  7#a7 ,civil
 monet>y p5alty ,any p]son :o violates  
subsection 7a7 %all be subject to a     
civil p5alty ( n m ?an #aj1jjj = ea*    
violation1 :i* %all be deposit$ into !  
,national ,flood ,insurance ,fund       
e/abli%$ "u section #acaj 7#db ,u4,s4,c4
 #djag74  7#b7 ,susp5sion & deb>m5t ,any
 p]son :o violates subsection 7a7 %all n
 be eligible1 = a p]iod ( n less ?an #b 
ye>s & n to exce$ #e ye>s1 to--  7,a7   
receive flood insurance cov]age pursuant
 to ?is title2 or  7,b7 provide s]vices 
9 connection ) ! sell+1 s]vic+1 or h&l+ 

( claims = flood insurance policies     
provid$ pursuant to ?is title4  7#c7    
,o!r p5alties ,! p5alties provid$ = 9   
?is subsection %all be 9 addition to any
 o!r civil or crim9al p5alty available  
"u law4  4  #e4 ,enhanc$ policyhold]    
appeals process rights  7a7 ,e/abli%m5t 
,"p ,c ( *apt] ,,ii ( ! ,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 ,approval ( decisions relat+ to  
flood insurance cov]age  7a7 ,9 g5]al ,!
 ,adm9i/rator %all e/abli% an appeals   
process to enable hold]s ( a flood      
insurance policy provid$ "u ?is title to
 appeal ! decisions ( _! insur]1 )      
respect to ! disall[ance1 9 :ole or 9   
"p1 ( any claims = prov$ & approv$      
losses cov]$ by flood insurance4 ,su*   
appeals %all be limit$ to ! claim or    
portion ( ! claim disall[$ by ! insur]4 
7b7 ,appeal decision ,^u a decision 9 an
 appeal "u subsection 7a71 !            

,adm9i/rator %all provide ! policyhold] 
) a writt5 appeal decision4 ,! appeal   
decision %all expla9 ! ,adm9i/rator's   
det]m9ation to uphold or ov]turn !      
decision ( ! flood insur]4 ,!           
,adm9i/rator may direct ! flood insur]  
to take action necess>y to resolve !    
appeal1 to include re-inspection1       
re-adju/m5t1 or paym5t1 z appropriate4  
7c7 ,rules ( con/ruction ,?is section   
%all n be con/ru$ z-- 7#a7 mak+ ! ,f$]al
 ,em]g5cy ,managem5t ,ag5cy or !        
,adm9i/rator a p>ty to ! flood insurance
 contract2 or  7#b7 creat+ any action or
 rem$y n o!rwise provid$ by ?is title4  
4  7b7 ,repeal ,section #bje ( !        
,bunn+-,blum5au]-,b]eut] ,flood         
,insurance ,re=m ,act ( #bjjd 7#db      
,u4,s4,c4 #djaa note7 is h]eby repeal$4 
#f4 ,deadl9e = approval ( claims  7a7 ,9
 g5]al ,section #acab ( ! ,national     
,flood ,insurance ,act ( #aifh 7#db     
,u4,s4,c4 #djai7 is am5d$-- 7#a7 9      
subsection 7a71 by /rik+ ,! ,adm9i/rator
 & ins]t+ ,subject to o!r provisions (  

?is section1 ! ,adm9i/rator2 &  7#b7 by 
add+ at ! end ! foll[+ new subsection3  
7d7 ,deadl9e = approval ( claims  7#a7  
,9 g5]al ,! ,adm9i/rator %all provide t1
 9 ! case ( any claim = damage to or    
loss ( prop]ty "u flood insurance       
cov]age made available "u ?is title1 a  
f9al det]m9ation reg>d+ approval ( a    
claim = paym5t or disapproval ( ! claim 
be made1 & notification ( su*           
det]m9ation be provid$ to ! insur$ mak+ 
su* claim1 n lat] ?an ! expiration ( !  
#ij-;day p]iod 7z su* p]iod may be      
ext5d$ pursuant to p>agraph 7#b77 beg9n+
 ^u ! day on :i* su* claim 0 made4      
,paym5t ( approv$ claims %all be made z 
soon z possible aft] su* approval4  7#b7
 ,ext5sion ( deadl9e ,! ,adm9i/rator    
%all provide t ! p]iod ref]r$ to 9      
p>agraph 7#a7 may be ext5d$ by a s+le   
additional p]iod ( #ae days 9 cases :]e 
extraord9>y circum/ances are demon/rat$4
 ,! ,adm9i/rator %all1 by regulation1   
e/abli% crit]ia = demon/rat+ su*        
extraord9>y circum/ances & = det]m9+ to 

:i* claims su* extraord9>y circum/ances 
apply4  4  7b7 ,applicability ,!        
am5dm5ts made by subsection 7a7 %all    
apply to any claim "u flood insurance   
cov]age made available "u ! ,national   
,flood ,insurance ,act ( #aifh 7#db     
,u4,s4,c4 #djja et seq47 p5d+ on ! date 
( ! enactm5t ( ?is ,act & any claims    
made aft] su* date ( enactm5t4  #g4     
,litigation process ov]sight & re=m  7a7
 ,9 g5]al ,"p ,c ( *apt] ,,ii ( !       
,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 ,ov]sight (        
litigation  7a7 ,ov]sight ,!            
,adm9i/rator %all monitor & ov]see      
litigation conduct$ by ,write ,y\r ,own 
companies aris+ "u contracts = flood    
insurance sold pursuant to ?is title1 to
 ensure t--  7#a7 litigation exp5ses are
 reasonable1 appropriate1 &             
co/-effective2 &  7#b7 ,write ,y\r ,own 
companies comply ) guidance & proc$ures 

e/abli%$ by ! ,adm9i/rator reg>d+ !     
conduct ( litigation4  7b7 ,d5ial (     
reimbursem5t = exp5ses ,! ,adm9i/rator  
may d5y reimbursem5t = litigation       
exp5ses t are det]m9$ to be             
unreasonable1 excessive1 contr>y to     
guidance issu$ by ! ,adm9i/rator1 or    
outside ! scope ( any arrangem5t ent]$  
into ) a ,write ,y\r ,own company4  7c7 
,litigation /rategy ,! ,adm9i/rator may 
direct litigation /rategy = claims aris+
 "u a contract = flood insurance sold by
 a ,write ,y\r ,own company4  7d7       
,sub/itution ,if at any "t1 !           
,adm9i/rator det]m9es !re is a conflict 
( int]e/ betwe5 ! ,write ,y\r ,own      
company & ! ,national ,flood ,insurance 
,program1 or x is 9 ! be/ int]e/ ( !    
,unit$ ,/ates1 ! ,adm9i/rator may       
promptly take any necess>y action to be 
sub/itut$ = ! ,,wyo company 9 any action
 aris+ out ( any claim aris+ "u a       
contract = flood insurance sold by a    
,write ,y\r ,own company4  4  7b7       
,implem5tation ,! ,adm9i/rator ( !      

,f$]al ,em]g5cy ,managem5t ,ag5cy %all  
initiate compliance ) section #aceb7;d7 
( ! ,national ,flood ,insurance ,act (  
#aifh1 z add$ by ! am5dm5t made by      
subsection 7a7 ( ?is section1 n lat] ?an
 ! expiration ( ! #ab-mon? p]iod beg9n+ 
on ! date ( ! enactm5t ( ?is ,act4  #h4 
,prohibition on hir+ disb>r$ attorneys  
,"p ,c ( *apt] ,,ii ( ! ,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 ,prohibition on hir+ disb>r$     
attorneys ,! ,adm9i/rator may n at any  
"t newly employ 9 connection ) ! flood  
insurance program "u ?is title any      
attorney :o has be5 susp5d$ or disb>r$  
by any c\rt1 b>1 or ,f$]al or ,/ate     
ag5cy to :i* ! individual 0 previ\sly   
admitt$ to practice4  4  #i4 ,und]paym5t
 ( claims by ,write ,y\r ,own companies 
,section #acde ( ! ,national ,flood     
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djha7 is am5d$ by add+ at ! end !      

foll[+ new subsection3  7f7 ,und]paym5t 
( claims by ,,wyo companies ,!          
,adm9i/rator %all e/abli% p5alties =    
companies p>ticipat+ 9 ! ,write ,y\r    
,own program kn[+ly und]pay+ claims =   
losses cov]$ by flood insurance made    
available "u ?is title1 :i* p5alties    
%all be comm5surate1 ) respect to !     
am\nt ( ! p5alty1 to ! p5alties         
applicable to ov]paym5t ( su* claims by 
a simil> am\nt by su* companies4  4     
#aj4 ,te*nical assi/ance reports  7a7   
,use ,section #acab ( ! ,national ,flood
 ,insurance ,act ( #aifh 7#db ,u4,s4,c4 
#djai71 z am5d$ by ! prec$+ provisions (
 ?is ,act1 is fur!r am5d$ by add+ at !  
end ! foll[+ new subsection3  7e7 ,use (
 te*nical assi/ance reports ,:5 adju/+  
claims = any damage to or loss ( prop]ty
 :i* is cov]$ by flood insurance made   
available "u ?is title1 ! ,adm9i/rator  
may rely ^u te*nical assi/ance reports1 
z su* t]m is def9$ 9 section #acab;,a1  
only if su* reports are f9al & are      
prep>$ 9 compliance ) applicable ,/ate &

 ,f$]al laws reg>d+ pr(essional lic5sure
 & conduct4  4  7b7 ,disclosure ,!      
,national ,flood ,insurance ,act ( #aifh
 is am5d$ by ins]t+ aft] section #acab  
7#db ,u4,s4,c4 #djai7 ! foll[+ new      
section3  #acab;,a4 ,disclosure (       
te*nical assi/ance reports  7a7 ,9 g5]al
 ,not)/&+ section #eeb;a ( title #e1    
,unit$ ,/ates ,code1 ^u reque/ by a     
policyhold]1 ! ,adm9i/rator %all provide
 a true1 complete1 & unr$act$ copy ( any
 te*nical assi/ance report t !          
,adm9i/rator reli$ ^u 9 adju/+ & pay+ = 
any damage to or loss ( prop]ty insur$  
by ! policyhold] & cov]$ by flood       
insurance made available "u ?is title4  
,su* disclosures %all be 9 addition to  
any o!r "r ( disclosure o!rwise made    
available pursuant su* section #eeb;a or
 any o!r provision ( law4  7b7 ,direct  
disclosure by ,write ,y\r ,own companies
 & direct s]vic+ ag5ts ,a ,write ,y\r   
,own company or direct s]vic+ ag5t 9    
possession ( a te*nical assi/ance report
 subject to disclosure "u subsection 7a7

 may disclose su* te*nical assi/ance    
report )\t fur!r review or approval by !
 ,adm9i/rator4  7c7 ,def9itions ,=      
purposes ( ?is section1 ! foll[+        
def9itions %all apply3 7#a7 ,policyhold]
 ,! t]m policyhold] means a p]son or    
p]sons %[n z an insur$ on ! decl>ations 
page ( a policy = flood insurance       
cov]age sold pursuant to ?is title4     
7#b7 ,te*nical assi/ance report ,! t]m  
te*nical assi/ance report means a report
 creat$ = ! purpose ( furni%+ te*nical  
assi/ance to an insurance claims adju/] 
assign$ by ! ,national ,flood ,insurance
 ,program1 includ+ by eng9e]s1          
surveyors1 salvors1 ar*itects1 & c]tifi$
 public acc\nts4  4  #aa4 ,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]age1 &
 any o!r in=mation relat+ to su* cov]age
 requir$ to be disclos$ "u section      
#acjh7l7 ( ! ,national ,flood ,insurance
 ,act ( #aifh 7#db ,u4,s4,c4 #djae7l772 
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 ! 
entity sell+ ! policy on behalf ( !     
,program1 toge!r ) contact in=mation    
suffici5t to all[ ! policyhold] to      
contact su* entity4  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 ! entity sell+ ! 
policy on behalf ( ! ,program1 toge!r ) 
contact in=mation suffici5t to all[ !   
policyhold] to contact su* entity4  7#c7
 ,requir$ signatures ,not)/&+ section   
#acjf7;c7 ( ! ,national ,flood          
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djac7;c771 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] & !   
sell] ( ! policy :o is act+ on behalf ( 
! ,program4  4  #ab4 ,res]ve ,fund      
am\nts ,section #acaj ( ! ,national     
,flood ,insurance ,act ( #aifh 7#db     
,u4,s4,c4 #djag7 is am5d$ by add+ at !  
end ! foll[+ new subsection3  7g7       
,cr$it+ ( ,res]ve ,fund am\nts ,funds   
collect$ pursuant to section #acaj;,a   
may be cr$it$ to ! ,fund "u ?is section 
to be available = ! purpose describ$ 9  
subsection 7d77#a74  4  #ac4 ,suffici5t 

/aff+ = ,(fice ( ,flood ,insurance      
,advocate  7a7 ,9 g5]al ,section #bd ( !
 ,home[n] ,flood ,insurance ,af=dability
 ,act ( #bjad 7#db ,u4,s4,c4 #djcc7 is  
am5d$ by add+ at ! end ! foll[+ new     
subsection3  7c7 ,/aff ,! ,adm9i/rator  
%all ensure t ! ,flood ,insurance       
,advocate has suffici5t /aff to c>ry out
 all ( ! duties & responsibilities ( !  
,advocate "u ?is section4  4  7b7 ,tim+ 
,! ,adm9i/rator ( ! ,f$]al ,em]g5cy     
,managem5t ,ag5cy %all take su* actions 
z may be necess>y to provide = full     
compliance ) section #bd7;c7 ( !        
,home[n] ,flood ,insurance ,af=dability 
,act ( #bjad1 z add$ by ! am5dm5t made  
by subsection 7a7 ( ?is section1 n lat] 
?an ! expiration ( ! #ahj-;day p]iod    
beg9n+ on ! date ( ! enactm5t ( ?is     
,act4  #ad4 ,f$]al ,flood ,insurance    
,advisory ,committee  7a7 ,e/abli%m5t   
,!re is e/abli%$ an advisory committee  
to be kn[n z ! ,f$]al ,flood ,insurance 
,advisory ,committee 79 ?is section     
ref]r$ to z ! ,committee74  7b7         

,memb]%ip  7#a7 ,memb]s ,! ,committee   
%all consi/ (-- 7,a7 ! ,adm9i/rator ( ! 
,f$]al ,em]g5cy ,managem5t ,ag5cy 79 ?is
 section ref]r$ to z ! ,adm9i/rator71 or
 ! designee !re(2  7,b7 ! ,secret>y ( ! 
,treasury1 or ! designee !re(2 &  7,c7  
additional memb]s appo9t$ by !          
,adm9i/rator or ! designee ( !          
,adm9i/rator1 :o %all be--  7i7 two     
repres5tatives ( ! prop]ty & casualty   
insurance sector2  7ii7 "o individual :o
 s]v$ 9 ! pa/1 or is curr5tly s]v+1 z an
 insurance regulator ( a ,/ate1 !       
,di/rict ( ,columbia1 ! ,commonweal? (  
,pu]to ,rico1 ,guam1 ! ,commonweal? ( ! 
,nor!rn ,m>iana ,isl&s1 ! ,virg9 ,isl&s1
 ,am]ican ,samoa1 or any                
f$]ally-recogniz$ ,indian tribe2  7iii7 
"o repres5tative ( ! f9ancial or        
insurance sectors :o is involv$ 9 risk  
transf]s1 includ+ re9surance1 resili5ce 
bonds1 & o!r insurance-l9k$ securities2 
7iv7 "o actu>y ) demon/rat$ high-level k
 ( cata/rophic risk insurance2  7v7 two 
insurance pr(essionals ) demon/rat$     

exp]i5ce ) ! sale ( flood insurance "u !
 ,national ,flood ,insurance ,program2  
7vi7 two repres5tatives ( cata/rophic   
risk insurance programs2  7vii7 "o      
insurance claims speciali/2  7viii7 "o  
repres5tative ( a recogniz$ consum]     
advocacy organization2  7ix7 "o         
individual hav+ demon/rat$ exp]tise 9 ! 
*all5ges 9 insur+ l[-income communities2
  7x7 "o repres5tative f an academic    
in/itution :o has demon/rat$ exp]tise 9 
insurance2 &  7xi7 su* o!r recogniz$    
exp]ts 9 ! field ( insurance z !        
,adm9i/rator consid]s necess>y4  7#b7   
,qualifications ,9 appo9t+ memb]s "u    
p>agraph 7#a77;,c71 ! ,adm9i/rator %all1
 to ! maximum ext5t practicable1 ensure 
! memb]%ip ( ! ,committee has a balance 
( memb]s reflect+ geographic div]sity1  
includ+ repres5tation f areas inl& or ) 
coa/l9e id5tifi$ by ! ,adm9i/rator z at 
high risk = flood+ or z areas hav+      
special flood haz>ds4  7c7 ,duties ,!   
,committee %all review1 & make          
recomm5dations to ! ,adm9i/rator1 ^u    

reque/1 on matt]s relat$ to ! insurance 
aspects ( ! ,national ,flood ,insurance 
,program1 includ+ ratemak+1 te*nology to
 adm9i/] insurance1 risk assessm5t1     
actu>ial practices1 claims practices1   
sales & insurance deliv]y1 comp5sation &
 all[ances1 g5]ally & bas$ on !         
complexities ( ! program1 & be/         
insurance practices4  7d7 ,*airp]son ,! 
memb]s ( ! ,committee %all elect "o     
memb] to s]ve z ! *airp]son ( !         
,committee 79 ?is section ref]r$ to z ! 
,*airp]son74  7e7 ,comp5sation ,memb]s (
 ! ,committee %all receive no additional
 comp5sation by reason ( _! s]vice on ! 
,committee4  7f7 ,meet+s & actions  7#a7
 ,9 g5]al ,! ,committee %all meet n less
 frequ5tly ?an twice ea* ye> at ! reque/
 ( ! ,*airp]son or a majority ( its     
memb]s1 & may take action by a vote ( ! 
majority ( ! memb]s 9 accordance ) !    
,committee's *>t]4  7#b7 ,initial meet+ 
,! ,adm9i/rator1 or a p]son designat$ by
 ! ,adm9i/rator1 %all reque/ & coord9ate
 ! initial meet+ ( ! ,committee4  7g7   

,/aff ( ,,fema ,^u ! reque/ ( !         
,*airp]son1 ! ,adm9i/rator may detail1  
on a nonreimbursable basis1 p]sonnel ( !
 ,f$]al ,em]g5cy ,managem5t ,ag5cy to   
assi/ ! ,committee 9 c>ry+ out its      
duties4  7h7 ,p[]s ,9 c>ry+ out ?is     
section1 ! ,committee may hold he>+s1   
receive evid5ce & assi/ance1 provide    
in=mation1 & conduct rese>*1 z x        
consid]s appropriate4  7i7 ,reports to  
,congress ,! ,adm9i/rator1 on an annual 
basis1 %all report to ! ,committee on   
,f9ancial ,s]vices ( ! ,h\se (          
,repres5tatives1 ! ,committee on ,bank+1
 ,h\s+1 & ,urban ,affairs ( ! ,s5ate1 & 
! ,(fice ( ,managem5t & ,budget on--    
7#a7 ! recomm5dations made by !         
,committee2  7#b7 actions tak5 by !     
,f$]al ,em]g5cy ,managem5t ,ag5cy to    
address su* recomm5dations to improve ! 
insurance aspects ( ! national flood    
insurance program2 &  7#c7 any          
recomm5dations made by ! ,committee t h 
be5 def]r$ or n act$ ^u1 toge!r ) an    
explanatory /atem5t4  #ae4 ,int]ag5cy   

guidance on compliance ,! ,f$]al        
entities = l5d+ regulation 7z su* t]m is
 def9$ 9 section #c7;a7 ( ! ,flood      
,disa/] ,protection ,act ( #aigc 7#db   
,u4,s4,c4 #djjc7;a7771 9 consultation ) 
! ,adm9i/rator ( ! ,f$]al ,em]g5cy      
,managem5t ,ag5cy1 %all update & reissue
 ! docum5t entitl$ ,int]ag5cy ,que/ions 
& ,answ]s ,reg>d+ ,flood ,insurance n   
lat] ?an ! expiration ( ! #ab-mon? p]iod
 beg9n+ on ! date ( ! enactm5t ( ?is    
,act & n less frequ5tly ?an bi5nially   
!reaft]4  #af4 ,,gao /udy ( claims      
adju/m5t practices ,! ,comptroll] ,g5]al
 ( ! ,unit$ ,/ates %all conduct a /udy (
 ! policies & practices = adju/m5t (    
claims = losses "u flood insurance      
cov]age made available "u ! ,national   
,flood ,insurance ,act1 :i* %all        
include--  7#a7 a comp>ison ( su*       
policies & practices ) ! policies &     
practices = adju/m5t ( claims = losses  
"u o!r insurance cov]age2  7#b7 an      
assessm5t ( ! quality ( ! adju/m5ts     
conduct$ & ! effects ( su* policies &   

practices on su* quality2  7#c7         
id5tification ( any inc5tives "u su*    
policies & practices t affect ! spe$ )  
:i* su* adju/m5ts are conduct$2 &  7#d7 
id5tification ( ! affects ( su* policies
 & practices on insur$s submitt+ su*    
claims = losses4  ,n lat] ?an !         
expiration ( ! #ah-mon? p]iod beg9n+ on 
! date ( ! enactm5t ( ?is ,act1 !       
,comptroll] ,g5]al %all submit a report 
to ! ,committee on ,f9ancial ,s]vices ( 
! ,h\se ( ,repres5tatives & ! ,committee
 on ,bank+1 ,h\s+1 & ,urban ,affairs ( !
 ,s5ate reg>d+ ! f9d+s & conclusions ( !
 /udy conduct$ pursuant to ?is section4 
#ag4 ,,gao /udy ( flood insurance       
cov]age treatm5t ( e>? movem5t ,!       
,comptroll] ,g5]al ( ! ,unit$ ,/ates    
%all conduct a /udy ( ! treatm5t1 "u    
flood insurance cov]age made available  
"u ! ,national ,flood ,insurance ,act1 (
 e>? movem5t & subsid5ce1 includ+ e>?   
movem5t & subsid5ce caus$ by flood+1 :i*
 %all include--  7#a7 id5tification &   
analysis ( ! effects ( su* treatm5t on !

 ,national ,flood ,insurance ,program & 
insur$s "u ! program2  7#b7 an assessm5t
 ( ! availability & af=dability (       
cov]age 9 ! private insurance m>ket =   
e>? movem5t & subsid5ce caus$ by flood+2
  7#c7 an assessm5t ( ! effects on !    
,national ,flood ,insurance ,program (  
cov]+ e>? movem5t & subsid5ce caus$ by  
flood+2 &  7#d7 a projection ( !        
increas$ premiums t w\ld be requir$ to  
make cov]age = e>? movem5t losses       
actu>ially s\nd & n fiscally detrim5tal 
to ! cont9uation ( ! ,national ,flood   
,insurance ,program4  ,n lat] ?an !     
expiration ( ! #ah-mon? p]iod beg9n+ on 
! date ( ! enactm5t ( ?is ,act1 !       
,comptroll] ,g5]al %all submit a report 
to ! ,committee on ,f9ancial ,s]vices ( 
! ,h\se ( ,repres5tatives & ! ,committee
 on ,bank+1 ,h\s+1 & ,urban ,affairs ( !
 ,s5ate reg>d+ ! f9d+s & conclusions ( !
 /udy conduct$ pursuant to ?is section4 
#ah4 ,def9itions  7a7 ,national ,flood  
,insurance ,act ( #aifh ,subsection 7a7 
( section #acgj ( ! ,national ,flood    

,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#daba7;a77 is am5d$--  7#a7 9 p>agraph  
7#ad71 by /rik+ & at ! end2  7#b7 9     
p>agraph 7#ae71 by /rik+ ! p]iod at !   
end & ins]t+ a semicolon2 &  7#c7 by    
add+ at ! end ! foll[+ new p>agraphs3   
7#af7 ! t]m ,write ,y\r ,own ,program   
means ! program "u :i* ! ,f$]al ,em]g5cy
 ,managem5t ,ag5cy ent]s into a /&>d    
arrangem5t ) private prop]ty insurance  
companies to sell contracts = flood     
insurance cov]age "u ?is title "u _! own
 bus9ess l9es ( insurance1 & to adju/ & 
pay claims aris+ "u su* contracts2 &    
7#ag7 ! t]m ,write ,y\r ,own company    
means a private prop]ty insurance       
company t p>ticipates 9 ! ,write ,y\r   
,own ,program4  4  7b7 ,bigg]t-,wat]s   
,flood ,insurance ,re=m ,act ( #bjab    
,subsection 7a7 ( section #ajjbjb ( !   
,bigg]t-,wat]s ,flood ,insurance ,re=m  
,act ( #bjab 7#db ,u4,s4,c4 #djjd7;a77  
is am5d$ by /rik+ p>agraph 7#e7 & ins]t+
 ! foll[+ new p>agraph3  7#e7 ,write    
,y\r ,own ,! t]ms ,write ,y\r ,own      

,program & ,write ,y\r ,own company h ! 
mean+s giv5 su* t]ms 9 section #acgj7;a7
 ( ! ,national ,flood ,insurance ,act ( 
#aifh 7#db ,u4,s4,c4 #daba7;a774  4