What does APPEAL OF DECISIONS RELATING TO FLOOD INSURANCE COVERAGE. of National Flood Insurance Program Reauthorization and Reform Act of 2025 do?

This section amends the National Flood Insurance Act of 1968 by adding Section 1349, establishing an Independent Office for Policyholder Appeals. The Administrator is required to establish the Independent Office for Policyholder Appeals within 180 days of the Act's enactment. Policyholders may appeal flood insurance claim denials in writing to the Office within one year of receiving the denial. Policyholders must exhaust the appeals process before filing a civil action in district court. The Office is responsible for issuing final appeal decisions, disseminating information to appellants, and providing opportunities to discuss issues with claims experts. The Office must publish final appeal decisions on a public-facing website to inform the public and support transparency. The Administrator may promulgate regulations to implement the appeals process, but cannot deem an appeal ineligible if submitted within the one-year timeframe. If the Office fails to make a final decision within 90 days after receiving all necessary information, the Administrator shall pay interest on the claim to the policyholder. Section 205 of the Bunning-Bereuter-Blumenauer Flood Insurance Reform Act of 2004 is repealed, and pending appeals under that section are transferred to the Independent Office for Policyholder Appeals.

What does FLOOD INSURANCE CONTINUING EDUCATION AND TRAINING. of National Flood Insurance Program Reauthorization and Reform Act of 2025 do?

This section amends the Bunning-Bereuter-Blumenauer Flood Insurance Reform Act of 2004. It establishes continuing education requirements for insurance agents who sell flood insurance policies under the Program. Agents are required to complete a 3-hour continuing education course every 2 years, approved by the state insurance commissioner. Agents who fail to complete the course may not sell flood insurance policies or perform duties related to the Program. If an agent is licensed in multiple states, they must submit proof of completion to each state's insurance commissioner. A state's insurance commissioner can determine if a course taken in another state meets their minimum standards. If a commissioner deems a course inadequate, the agent must satisfy the rejecting commissioner's requirements before selling flood insurance.

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National Flood Insurance Program Reauthorization and Reform Act of 2025

Q: What does DEFINITIONS. of National Flood Insurance Program Reauthorization and Reform Act of 2025 do?

This section defines terms used within the Act. The term 'Administrator' refers to the Administrator of the Federal Emergency Management Agency. The 'National Flood Insurance Program' is defined as the program established under the National Flood Insurance Act of 1968. The 'National Flood Mitigation Fund' is the fund established under section 1367 of the National Flood Insurance Act of 1968. The term 'Write Your Own Company' is defined by section 1370(a) of the National Flood Insurance Act of 1968, as amended by section 109 of this Act.

Last updated: 9/19/2025 · Introduced: 9/18/2025

Author: Frank Pallone (D-NJ)

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119th Congressin committeeOfficial page

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