,,ii  #aah? ,,congress  #a/ ,session    
,s4 #caec  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,octob] #bf1 #bjbc,mr4 
,k5n$y introduc$ ! foll[+ bill2 :i* 0   
read twice & ref]r$ to ! ,committee on  
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to am5d ! ,national ,flood     
,insurance ,act ( #aifh to e/abli% a    
pilot program to increase ! all[able    
am\nts ( advance paym5ts "u ! ,national 
,flood ,insurance ,program1 & = o!r     
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,em]g5cy ,advance ,paym5ts 
,mod]nization ,act4  #b4 ,s5se (        
,congress ,x is ! s5se ( ,congress t--  
7#a7 advance paym5ts made by ! ,f$]al   
,em]g5cy ,managem5t ,ag5cy 7ref]r$ to 9 
?is section z ,,fema7 h prov5 to be     
b5eficial to ^? impact$ by disa/]s2     
7#b7 ,,fema has provid$ millions (      
doll>s 9 advance paym5ts to policyhold]s
 "u ! ,national ,flood ,insurance       
,program :o h />t$ ! claims process "u t
 ,program2  7#c7 ! paym5ts describ$ 9   
p>agraph 7#b7 are critical 9 help+      

policyhold]s z !y beg9 to clean up &    
repair homes t h be5 deva/at$ by natural
 disa/]s2  7#d7 :ile advance paym5ts h  
prov5 to be b5eficial to ^? impact$ by  
disa/]s1 !re are /ill significant       
limitations to ! process2 &  7#e7 !re   
are te*nological advances t c enhance ! 
advance paym5ts program1 & ,,fema %\ld  
h>ness ^? advances to improve ! cu/om]  
exp]i5ce & /reaml9e ,,fema's paym5ts    
program ) ! ov]all goal ( eas+ burd5s on
 ^? ^: lives h be5 %att]$ by natural    
disa/]s4  #c4 ,pilot program = remote   
,national ,flood ,insurance ,program    
claims ,"p ,c ( *apt] ,,ii ( ! ,national
 ,flood ,insurance ,act ( #aifh 7#db    
,u4,s4,c4 #djha et seq47 is am5d$ by    
add+ at ! end ! foll[+3  #acdi4 ,advance
 paym5ts pilot program  7a7 ,def9itions 
,9 ?is section3 7#a7 ,cov]$ data ,! t]m 
cov]$ data means real-"t1 rapid monitor+
 data1 includ+ data obta9$ ?r\gh remote 
s5s+ te*nology4  7#b7 ,cov]$ prop]ty ,! 
t]m cov]$ prop]ty means a prop]ty = :i* 
! ,adm9i/rator has receiv$ cov]$ data   

indicat+ t flood+ has occurr$4  7#c7    
,eligible policyhold] ,! t]m eligible   
policyhold] means a p]son hold+ cov]age 
made available "u ! national flood      
insurance program1 :]e ! prop]ty t is ! 
subject ( t cov]age is a cov]$ prop]ty4 
7b7 ,pilot program  7#a7 ,e/abli%m5t ,n 
lat] ?an #ahj days aft] ! date (        
enactm5t ( ?is section1 ! ,adm9i/rator  
%all e/abli% a pilot program t uses     
cov]$ data to-- 7,a7 increase ! spe$ )  
:i* claims paym5ts "u ! national flood  
insurance program are deliv]$ to        
eligible policyhold]s2  7,b7 increase ! 
am\nt1 & enhance ! deliv]y1 ( advance   
claims paym5ts "u ! national flood      
insurance program made to eligible      
policyhold]s2 &  7,c7 fur!r explore h[  
cov]$ data c be us$ to enhance cu/om]   
s]vice & effici5cy ) respect to ! claims
 process "u ! national flood insurance  
program4  7#b7 ,t]m9ation ,! pilot      
program e/abli%$ "u p>agraph 7#a7 %all  
t]m9ate on ! date t is #a ye> aft] !    
date on :i* ! ,adm9i/rator e/abli%es !  

pilot program4  7c7 ,report ,n lat] ?an 
#ahj days aft] ! date on :i* ! pilot    
program e/abli%$ "u subsection 7b7      
t]m9ates1 ! ,adm9i/rator %all submit to 
,congress a report t describes any      
measurable *anges t su* pilot program   
has _h on-- 7#a7 adm9i/rative co/s )    
respect to ! national flood insurance   
program2 or  7#b7 ! timel9ess ) :i* !   
,adm9i/rator pays claims "u ! national  
flood insurance program4  7d7 ,ov]paym5t
 =giv5ess ,not)/&+ any provision (      
section #acaj1 ! ,adm9i/rator may use   
am\nts 9 ! ,national ,flood ,insurance  
,fund to =give any am\nts ov]paid to an 
eligible policyhold] z a result ( a     
pre-inspection advance paym5t provid$ "u
 ?is section4  4