I 
111TH CONGRESS 
1ST SESSION H. R. 1264 
To amend the National Flood Insurance Act of 1968 to provide for the 
national flood insurance program to make available multiperil coverage 
for damage resulting from windstorms or floods, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
MARCH 3, 2009 
Mr. TAYLOR (for himself, Ms. WATERS, Mr. MELANCON, Mr. SCALISE, Mr. 
CHILDERS, Mr. HASTINGS of Florida, Ms. ROS-LEHTINEN, Ms. JACK-
SON-LEE of Texas, Mr. BARROW, Mrs. MALONEY, Mrs. CHRISTENSEN, 
Mr. BERRY, Mr. CLEAVER, Mr. COHEN, and Ms. KILPATRICK of Michi-
gan) introduced the following bill; which was referred to the Committee 
on Financial Services 
A BILL 
To amend the National Flood Insurance Act of 1968 to 
provide for the national flood insurance program to make 
available multiperil coverage for damage resulting from 
windstorms or floods, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Multiple Peril Insur-
ance Act of 2009’’. 
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SEC. 2. COVERAGE FOR WINDSTORMS. 
Section 1304 of the National Flood Insurance Act of 
1968 (42 U.S.C. 4011) is amended— 
(1) by redesignating subsection (c) as sub-
section (d); and 
(2) by inserting after subsection (b) the fol-
lowing new subsection: 
‘‘(c) MULTIPERIL COVERAGE FOR DAMAGE FROM 
FLOOD OR WINDSTORM AND SEPARATE COVERAGE FOR 
WINDSTORM.— 
‘‘(1) IN GENERAL.—The national flood insur-
ance program established pursuant to subsection (a) 
shall enable the purchase of the following coverages: 
‘‘(A) MULTIPERIL
COVERAGE.—Optional 
insurance against loss resulting from physical 
damage to or loss of real property or personal 
property related thereto located in the United 
States arising from any flood or windstorm, 
subject to the limitations in this subsection and 
section 1306(b); and 
‘‘(B) SEPARATE WINDSTORM COVERAGE.— 
Optional insurance against loss resulting from 
physical damage to or loss of real property or 
personal property related thereto located in the 
United States arising from any windstorm, sub-
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ject to the limitations in this subsection and 
section 1306(b). 
‘‘(2) COMMUNITY
PARTICIPATION
REQUIRE-
MENT.—Multiperil coverage pursuant to paragraph 
(1)(A) and windstorm coverage pursuant to para-
graph (1)(B) may not be provided in any area (or 
subdivision thereof) unless an appropriate public 
body shall have adopted adequate mitigation meas-
ures (with effective enforcement provisions) which 
the Director finds are consistent with the criteria for 
construction described in the International Code 
Council building codes relating to wind mitigation. 
‘‘(3) RELATIONSHIP
TO
FLOOD
INSURANCE 
COVERAGE.— 
‘‘(A) PROHIBITION AGAINST DUPLICATIVE 
COVERAGE.—Multiperil coverage pursuant to 
paragraph (1)(A) may not be provided with re-
spect to any structure (or the personal property 
related thereto) for any period during which 
such structure is covered, at any time, by flood 
insurance coverage made available under this 
title. 
‘‘(B) REQUIREMENT TO MAINTAIN FLOOD 
INSURANCE
COVERAGE.—Windstorm coverage 
pursuant to paragraph (1)(B) may be provided 
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only with respect to a structure (and the per-
sonal property related thereto) that is covered 
by flood insurance coverage made available 
under this title and only during the period that 
such structure (and personal property) are so 
covered. 
‘‘(4) NATURE OF COVERAGE.— 
‘‘(A) MULTIPERIL COVERAGE.—Multiperil 
coverage pursuant to paragraph (1)(A) shall— 
‘‘(i) cover losses only from physical 
damage resulting from flooding or wind-
storm; and 
‘‘(ii) provide for approval and pay-
ment of claims under such coverage upon 
proof that such loss must have resulted 
from either windstorm or flooding, but 
shall not require for approval and payment 
of a claim that the specific cause of the 
loss, whether windstorm or flooding, be 
distinguished or identified. 
‘‘(B) SEPARATE WINDSTORM COVERAGE.— 
Windstorm coverage pursuant to paragraph 
(1)(B) shall— 
‘‘(i) cover losses only from physical 
damage resulting from windstorm; and 
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‘‘(ii) provide for approval and pay-
ment of claims under such coverage or 
under the flood insurance coverage re-
quired to be maintained under paragraph 
(3)(B) upon a determination that such loss 
from windstorm or flooding, respectively, 
but shall not require for approval and pay-
ment of a claim that the insured distin-
guish or identify the specific cause of the 
loss, whether windstorm or flooding. 
‘‘(5) ACTUARIAL
RATES.—Multiperil coverage 
pursuant to paragraph (1)(A) and windstorm cov-
erage pursuant to paragraph (1)(B) shall be made 
available for purchase for a property only at charge-
able risk premium rates that, based on consideration 
of the risks involved and accepted actuarial prin-
ciples, and including operating costs and allowance 
and administrative expenses, are required in order to 
make such coverage available on an actuarial basis 
for the type and class of properties covered. 
‘‘(6) TERMS
OF
COVERAGE.—The Director 
shall, after consultation with persons and entities re-
ferred to in section 1306(a), provide by regulation 
for the general terms and conditions of insurability 
applicable to properties eligible for multiperil cov-
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erage pursuant to paragraph (1)(A) and such terms 
and conditions applicable to properties eligible for 
windstorm coverage pursuant to paragraph (1)(B), 
subject to the provisions of this subsection, includ-
ing— 
‘‘(A) the types, classes, and locations of 
any such properties which shall be eligible for 
such coverages, which shall include residential 
and nonresidential properties; 
‘‘(B) subject to paragraph (7), the nature 
and limits of loss or damage in any areas (or 
subdivisions thereof) which may be covered by 
such coverages; 
‘‘(C) the classification, limitation, and re-
jection of any risks which may be advisable; 
‘‘(D) appropriate minimum premiums; 
‘‘(E) appropriate loss deductibles; and 
‘‘(F) any other terms and conditions relat-
ing to insurance coverage or exclusion that may 
be necessary to carry out this subsection. 
‘‘(7) LIMITATIONS
ON
AMOUNT
OF
COV-
ERAGE.— 
‘‘(A) MULTIPERIL COVERAGE.—The regu-
lations issued pursuant to paragraph (6) shall 
provide that the aggregate liability under 
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