144 
‘‘(D) any draft and final technical assist-
ance report relating to adjusting and paying or 
denying the claim; 
‘‘(E) any proof of loss, supplemental proofs 
of loss, or any equivalent notices, together with 
supporting documentation, with respect to the 
claim; and 
‘‘(F) any document relating to the denial 
or partial denial of the claim. 
‘‘(2) RULE
OF
CONSTRUCTION.—Nothing in 
paragraph (1) may be construed to limit the right of 
a policyholder to receive a disclosure under section 
552a of title 5, United States Code, or any other 
provision of law. 
‘‘(c) DIRECT DISCLOSURE BY WRITE YOUR OWN 
COMPANIES AND DIRECT SERVICING AGENTS.— 
‘‘(1) IN GENERAL.—A Write Your Own Com-
pany or direct servicing agent in possession of any 
technical assistance report that is subject to disclo-
sure under subsection (b) may disclose such tech-
nical assistance report without further review or ap-
proval by the Administrator. 
‘‘(2) AFFIRMATIVE
NOTIFICATION.—A Write 
Your Own Company, or any other entity servicing a 
claim under the national flood insurance program, 
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shall, not later than 30 days after the date on which 
the company or entity receives notice of a claim, no-
tify the claimant that the claimant or an authorized 
representative of the claimant may obtain, upon re-
quest, a copy of any claim-related document de-
scribed in subsection (b)(1) that pertains to the 
claimant.’’. 
(c) TRANSMISSION
OF
REPORT
WITHOUT
AP-
PROVAL.— 
(1) DEFINITION.—In this subsection, the term 
‘‘final engineering report’’ means an engineering re-
port, survey, or other document in connection with 
a claim for losses covered by a policy for flood insur-
ance coverage made available under the National 
Flood Insurance Act of 1968 (42 U.S.C. 4001 et 
seq.) that— 
(A) is based on an on-site inspection; 
(B) contains final conclusions with respect 
to an engineering issue or issues involved in the 
claim; and 
(C) is signed by the responsible in charge 
or affixed with the seal of the responsible in 
charge, or both. 
(2) TRANSMISSION.—A Write Your Own Com-
pany or a National Flood Insurance Program direct 
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146 
servicer may, without obtaining further review or ap-
proval by the Administrator, transmit to a policy-
holder a final engineering report in the possession of 
the Write Your Own Company or the direct servicer 
in connection with a claim submitted by the policy-
holder. 
SEC. 407. TERMINATION OF CERTAIN CONTRACTS UNDER 
THE 
NATIONAL 
FLOOD 
INSURANCE 
PRO-
GRAM. 
(a) IN GENERAL.—Part C of chapter II of the Na-
tional Flood Insurance Act of 1968 (42 U.S.C. 4081 et 
seq.), as amended by section 404, is amended by adding 
at the end the following: 
‘‘SEC. 1350. TERMINATION OF CONTRACTS. 
‘‘(a) DEFINITIONS.—In this section— 
‘‘(1) the term ‘covered entity’ means any attor-
ney, law firm, consultant, or third-party company 
that provides services to a Write Your Own com-
pany; and 
‘‘(2) the term ‘Write Your Own company’ 
means a company participating in the cooperative 
undertaking between the insurance industry and the 
Federal Insurance and Mitigation Administration 
that allows participating property and casualty in-
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surance companies to write and service standard 
flood insurance policies. 
‘‘(b) TERMINATION.— 
‘‘(1) IN GENERAL.—Notwithstanding any other 
provision of law, the Administrator may terminate a 
contract or other agreement between a covered enti-
ty and a Write Your Own company if the Adminis-
trator— 
‘‘(A) determines that the covered entity 
has engaged in conduct that is detrimental to 
the flood insurance program authorized under 
chapter I; and 
‘‘(B) not later than 14 days before termi-
nating the contract or other agreement, pro-
vides notice to the covered entity of the termi-
nation. 
‘‘(2) APPEAL.—The Administrator shall estab-
lish a process for a covered entity to appeal a termi-
nation of a contract or other agreement under para-
graph (1). 
‘‘(3) EARLY TERMINATION PAYOUTS.—The Ad-
ministrator or a Write Your Own company is not re-
quired to make any early termination payout to a 
covered entity with respect to a contract or agree-
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148 
ment with the Write Your Own company that the 
Administrator terminates under paragraph (1).’’. 
(b) EFFECTIVE DATE; APPLICABILITY.—The amend-
ment made by subsection (a) shall— 
(1) take effect on the date of enactment of this 
Act; and 
(2) apply to any contract or other agreement 
between a covered entity and a Write Your Own 
company (as those terms are defined in section 
1349(a) of the National Flood Insurance Act of 
1968, as added by subsection (a)) entered into on or 
after the date of enactment of this Act. 
SEC. 408. DEADLINE FOR CLAIM PROCESSING. 
(a) IN GENERAL.—Section 1312 of the National 
Flood Insurance Act of 1968 (42 U.S.C. 4019), as amend-
ed by section 406(a), is amended by inserting after sub-
section (g) the following: 
‘‘(h) DEADLINE FOR APPROVAL OF CLAIMS.— 
‘‘(1) IN
GENERAL.—The Administrator shall 
provide that, in the case of a claim for damage to 
or loss of property that is covered by a policy for 
flood insurance made available under this title— 
‘‘(A) except as provided in paragraph (2), 
not later than 60 days after the date on which 
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149 
a proof of loss or comparable submission is pro-
vided to the Administrator— 
‘‘(i) an initial determination regarding 
approval of the claim for payment or dis-
approval of the claim shall be made; and 
‘‘(ii) notification of the determination 
described in clause (i) shall be provided to 
the policyholder making the claim; and 
‘‘(B) payment of an approved claim shall 
be made as soon as possible after that approval. 
‘‘(2) EXTENSION OF DEADLINE.—The Adminis-
trator shall— 
‘‘(A) provide that the period described in 
paragraph (1)(A) may be extended by an addi-
tional period of 30 days under extraordinary 
circumstances; and 
‘‘(B) by regulation— 
‘‘(i) establish criteria for— 
‘‘(I) demonstrating the extraor-
dinary circumstances described in sub-
paragraph (A); and 
‘‘(II) determining to which claims 
the extraordinary circumstances de-
scribed in subparagraph (A) apply; 
and 
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150 
‘‘(ii) provide that, if the deadline im-
posed under paragraph (1)(A), as extended 
under subparagraph (A), if applicable, is 
not satisfied the amount of the claim to 
which the deadline relates shall be in-
creased with interest, which shall begin ac-
cruing on the date on which the initial 
claim is filed. 
‘‘(3) DEADLINE TOLLED DURING CERTAIN COM-
MUNICATION
WITH
POLICYHOLDER.—The deadline 
under paragraph (1) shall be tolled during any pe-
riod during which the Administrator or a Write 
Your Own Company is trying to obtain more infor-
mation from a policyholder regarding a claim made 
by the policyholder, or is otherwise working with a 
policyholder to develop such a claim.’’. 
(b) APPLICABILITY.—The amendment made by sub-
section (a) shall apply to any claim for damage to or loss 
of property that is covered by a policy for flood insurance 
made available under the National Flood Insurance Pro-
gram that is made after the date of enactment of this Act. 
SEC. 409. NO MANIPULATION OF ENGINEER REPORTS. 
Section 1312 of the National Flood Insurance Act of 
1968 (42 U.S.C. 4019), as amended by section 408(a), 
is amended by inserting after subsection (h) the following: 
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151 
‘‘(i) FINAL ENGINEERING REPORTS.— 
‘‘(1) DEFINITIONS.—In this subsection— 
‘‘(A) the term ‘covered claim’ means any 
claim for losses covered by a policy for flood in-
surance coverage made available under this 
title; and 
‘‘(B) the term ‘final engineering report’ 
means an engineering report, survey, or other 
document in connection with a covered claim 
that— 
‘‘(i) is based on an on-site inspection; 
‘‘(ii) contains final conclusions with 
respect to an engineering issue or issues 
involved in the claim; and 
‘‘(iii) is signed by the responsible in 
charge or affixed with the seal of the re-
sponsible in charge, or both. 
‘‘(2) PROHIBITION
ON
MANIPULATION
AND 
TRANSMISSION TO THIRD PARTIES.—The Adminis-
trator shall require that, in the case of any on-site 
inspection of a property by an engineer for the pur-
pose of assessing any covered claim, the final engi-
neering report— 
‘‘(A) may not— 
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152 
‘‘(i) include alterations by, or at the 
request of, anyone other than the person 
responsible for the report; or 
‘‘(ii) be transmitted to any other per-
son before the final engineering report is 
transmitted to the policyholder who sub-
mitted the covered claim; and 
‘‘(B) shall include a certification, signed by 
the person responsible for the final engineering 
report, that the final engineering report does 
not contain any alterations described in sub-
paragraph (A).’’. 
SEC. 410. IMPROVED TRAINING OF FLOODPLAIN MAN-
AGERS, AGENTS, AND ADJUSTERS. 
(a) LOCAL FLOODPLAIN MANAGERS.—Each regional 
office of the Federal Emergency Management Agency 
shall— 
(1) provide training to local floodplain man-
agers, agents, and claim adjusters in the region re-
garding the responsibilities and procedures of local 
floodplain managers with respect to conducting sub-
stantial damage and substantial improvement deter-
minations; 
(2) work with applicable State agencies to pro-
vide the training described in paragraph (1); and 
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153 
(3) verify that the individuals described in para-
graph (1) are completing the training described in 
that paragraph. 
(b) MAJOR DISASTER TRAINING.—After a flood that 
is declared a major disaster by the President under section 
401 of the Robert T. Stafford Disaster Relief and Emer-
gency Assistance Act (42 U.S.C. 5170), the Administrator 
shall, if determined appropriate, provide— 
(1) refresher training to prepare insurance 
claims adjusters for the unique circumstances of the 
major disaster; and 
(2) any briefings that are necessary to prepare 
and inform floodplain managers, agents, and claim 
adjusters regarding any atypical circumstances and 
issues arising from the natural disaster. 
SEC. 411. FLOOD INSURANCE CONTINUING EDUCATION 
AND TRAINING. 
(a) 
IN
GENERAL.—The 
Bunning-Bereuter-Blu-
menauer Flood Insurance Reform Act of 2004 (Public 
Law 108–264; 118 Stat. 712) is amended— 
(1) in section 201 (42 U.S.C. 4011 note)— 
(A) in paragraph (1), by striking ‘‘Director 
of the’’ and inserting ‘‘Administrator of the’’; 
and 
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154 
(B) in paragraph (2), by inserting ‘‘4001’’ 
after ‘‘U.S.C.’’; and 
(2) by striking section 207 (42 U.S.C. 4011 
note) and inserting the following: 
‘‘SEC. 207. CONTINUING EDUCATION REQUIREMENTS FOR 
INSURANCE AGENTS. 
‘‘(a) IN GENERAL.—The Director shall require each 
insurance agent who sells flood insurance policies under 
the Program to, once every 2 years, complete a 3-hour 
continuing education course that— 
‘‘(1) subject to subsection (c), is approved by 
the insurance commissioner of the State in which 
the agent is a legal resident; and 
‘‘(2) focuses on issues with respect to the Pro-
gram. 
‘‘(b) FAILURE TO COMPLETE COURSE.—If an insur-
ance agent who sells flood insurance policies does not com-
plete a continuing education course required under sub-
section (a), the agent, until the date on which the agent 
completes the course in accordance with the requirements 
of this section, may not— 
‘‘(1) sell flood insurance policies; or 
‘‘(2) perform any duties with respect to the 
Program. 
‘‘(c) AGENTS LICENSED IN MULTIPLE STATES.— 
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155 
‘‘(1) IN GENERAL.—If an insurance agent who 
sells flood insurance policies is licensed to sell insur-
ance in more than 1 State— 
‘‘(A) the agent shall submit proof of com-
pletion of a continuing education course re-
quired under subsection (a) to the insurance 
commissioner of each State in which the agent 
is licensed; and 
‘‘(B) each insurance commissioner to 
whom an insurance agent submits a proof of 
completion under subparagraph (A) may deter-
mine whether the course to which that proof of 
completion relates meets the minimum stand-
ards established by that insurance commis-
sioner. 
‘‘(2) EFFECT
OF
DENIAL.—If an insurance 
commissioner of a State (referred to in this para-
graph as the ‘rejecting commissioner’) determines 
under paragraph (1)(B) that a continuing education 
course taken in another State by an insurance agent 
who sells flood insurance policies does not meet the 
minimum standards established by the rejecting 
commissioner, the insurance agent may not take any 
action described in paragraph (1) or (2) of sub-
section (b) until the agent satisfies the minimum re-
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156 
quirements established by the rejecting commis-
sioner. 
‘‘(d) RULE OF CONSTRUCTION.—Any reference in 
this section to an insurance commissioner of a State shall 
be construed as a reference to an equivalent official with 
respect to any State in which there is no official who has 
the title of insurance commissioner.’’. 
(b) TECHNICAL AND CONFORMING AMENDMENT.— 
The table of contents for the Bunning-Bereuter-Blu-
menauer Flood Insurance Reform Act of 2004 (Public 
Law 108–264; 118 Stat. 712) is amended by striking the 
item relating to section 207 and inserting the following: 
‘‘Sec. 207. Continuing education requirements for insurance agents.’’. 
SEC. 412. SHIFTING OF ATTORNEY FEES AND OTHER EX-
PENSES. 
Section 1341 of the National Flood Insurance Act of 
1968 (42 U.S.C. 4072), as amended by section 404(c), 
is amended by adding at the end the following: 
‘‘(d) ATTORNEY FEES AND OTHER EXPENSES.—A 
Write Your Own Company against which an action is in-
stituted under this subsection shall be considered an agen-
cy of the United States for the purposes of section 2412(d) 
of title 28, United States Code.’’. 
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157 
SEC. 413. DOJ DEFENSE AGAINST POLICYHOLDER LAW-
SUITS. 
Subsection (b) of section 1341 of the National Flood 
Insurance Act of 1968 (42 U.S.C. 4072), as added by sec-
tion 404(c), is amended by adding at the end the fol-
lowing: 
‘‘(2) REPRESENTATION
BY
DEPARTMENT
OF 
JUSTICE.—If a claimant institutes an action under 
this section— 
‘‘(A) the Administrator shall refer the mat-
ter to the Attorney General; and 
‘‘(B) the Attorney General— 
‘‘(i) shall represent the Administrator 
or the Write Your Own company, as appli-
cable, in the action; and 
‘‘(ii) may not seek to have the court 
dismiss an action with potentially meri-
torious claims based on good faith errors 
or omissions by the claimant in the claim-
ant’s proof of loss.’’. 
SEC. 414. REFORMING USE OF PROOF OF LOSS FORMS. 
(a) IN GENERAL.—Section 1312 of the National 
Flood Insurance Act of 1968 (42 U.S.C. 4019), as amend-
ed by section 409, is amended by inserting after sub-
section (i) the following: 
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158 
‘‘(j) NO CONDITION OF PAYMENT OF UNDISPUTED 
CLAIM ON PROOF OF LOSS.— 
‘‘(1) IN GENERAL.—Notwithstanding any other 
provision of law, or any term or condition of a 
standard flood insurance policy, the Administrator— 
‘‘(A) may not condition payment of an un-
disputed claim based on the submission of a 
proof of loss; and 
‘‘(B) may instead accept a report sub-
mitted by the insurance adjuster the Adminis-
trator hires to investigate the claim, if the re-
port is signed by the policyholder, unless the 
Administrator determines that conditions make 
signature impracticable. 
‘‘(2) REFUSAL
TO
ACCEPT
AMOUNT
PAID.— 
Upon the refusal of a policyholder to accept the 
amount paid under paragraph (1), the Administrator 
may require the policyholder to submit a proof of 
loss within a timeframe determined by the Adminis-
trator.’’. 
(b) GUIDANCE TO DEFENSE ATTORNEYS.—The Ad-
ministrator shall issue guidance for best practices for at-
torneys defending actions instituted under section 1333 
or 1341, as applicable, of the National Flood Insurance 
Act of 1968 (42 U.S.C. 4053, 4072) (as amended by sec-
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159 
tion 404(c)) relating to how to respond to unintentional 
errors in a proof of loss submitted by a policyholder under 
the National Flood Insurance Policy. 
SEC. 415. AGENT ADVISORY COUNCIL. 
Part C of chapter II of the National Flood Insurance 
Act of 1968 (42 U.S.C. 4081 et seq.), as amended by sec-
tion 407, is amended by adding at the end the following: 
‘‘SEC. 1351. AGENT ADVISORY COUNCIL. 
‘‘(a) ESTABLISHMENT.—There is established a coun-
cil to be known as the Agent Advisory Council (in this 
section referred to as the ‘Council’). 
‘‘(b) MEMBERSHIP.— 
‘‘(1) MEMBERS.—The Council shall consist of— 
‘‘(A) the Administrator, or the designee of 
the Administrator; and 
‘‘(B) 11 additional members appointed by 
the Administrator or the designee of the Ad-
ministrator, of whom— 
‘‘(i) 1 shall be a member of the Na-
tional Association of Insurance Commis-
sioners; 
‘‘(ii) 2 shall be members of the Inde-
pendent Insurance Agents and Brokers of 
America; 
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‘‘(iii) 1 shall be a member of United 
Policyholders; 
‘‘(iv) 1 shall be a representative of the 
Emergency Management Institute of the 
Federal Emergency Management Agency; 
‘‘(v) 1 shall be a representative of the 
Office of the Flood Insurance Advocate of 
the 
Federal 
Emergency 
Management 
Agency; 
‘‘(vi) 2 shall be members of the Na-
tional Association of Professional Insur-
ance Agents; 
‘‘(vii) 1 shall be a representative of a 
recognized professional association or orga-
nization representing homebuilders or land 
developers; 
‘‘(viii) 1 shall be a representative of a 
recognized professional association or orga-
nization representing the real estate indus-
try; and 
‘‘(ix) 1 of whom shall be a representa-
tive of a recognized consumer protection 
group. 
‘‘(2) QUALIFICATIONS.— 
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‘‘(A) IN GENERAL.—Each member of the 
Council shall have experience with— 
‘‘(i) contacting policyholders under the 
national flood insurance program, includ-
ing with respect to applying for flood in-
surance and processing a claim for damage 
to or loss of property that is covered by 
flood insurance; and 
‘‘(ii) riverine and coastal flood insur-
ance policies. 
‘‘(B) 
CONSIDERATIONS.—The 
Adminis-
trator shall, to the maximum extent practicable, 
ensure that the membership of the Council has 
a balance of governmental and private mem-
bers, and includes geographic diversity. 
‘‘(C) CONFLICTS OF INTEREST.—A mem-
ber of the Council— 
‘‘(i) may not, while serving on the 
Council, be employed or retained— 
‘‘(I) by a Federal Emergency 
Management Agency contractor or 
consultant; or 
‘‘(II) by a nongovernmental enti-
ty that was awarded a Federal grant 
during the 5-year period preceding the 
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162 
date on which the member was ap-
pointed to the Council; and 
‘‘(ii) may not have been employed by 
a Federal Emergency Management Agency 
contractor or consultant during the 5-year 
period preceding the date on which the 
member was appointed to the Council. 
‘‘(3) CONSULTATION.—In appointing a member 
of the Council from an entity described in clauses (i) 
through (ix) of paragraph (1)(B), the Administrator 
or the designee of the Administrator, as applicable, 
shall consult with the entity. 
‘‘(4) CHAIRPERSON.—The members of the 
Council shall elect 1 member to serve as the chair-
person of the Council (in this section referred to as 
the ‘Chairperson’). 
‘‘(c) DUTIES.—The Council shall— 
‘‘(1) provide recommendations to the Adminis-
trator on— 
‘‘(A) improving the customer experience 
for policyholders under the national flood insur-
ance program; 
‘‘(B) training insurance agents that issue 
flood insurance policies; and 
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163 
‘‘(C) improving the processing and han-
dling of claims for damage to or loss of prop-
erty that is covered by flood insurance; and 
‘‘(2) submit to the Administrator an annual re-
port that includes— 
‘‘(A) a description of the activities of the 
Council; and 
‘‘(B) a summary of recommendations made 
by the Council to the Administrator. 
‘‘(d) COMPENSATION.— 
‘‘(1) IN GENERAL.—Except as provided in para-
graph (2), a member of the Council shall receive no 
additional compensation for serving on the Council. 
‘‘(2) TRAVEL EXPENSES.—Each member of the 
Council may be allowed travel expenses, including 
per diem in lieu of subsistence, in accordance with 
sections 5702 and 5703 of title 5, United States 
Code, while away from their homes or regular places 
of business in performance of services for the Coun-
cil. 
‘‘(e) MEETINGS AND ACTIONS.— 
‘‘(1) MEETINGS.— 
‘‘(A) IN
GENERAL.—The Council shall 
meet not less frequently than twice each year at 
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164 
the request of the Chairperson or a majority of 
the members of the Council. 
‘‘(B) INITIAL
MEETING.—The Adminis-
trator, or a designee of the Administrator, shall 
request and coordinate the initial meeting of 
the Council. 
‘‘(2) ACTION BY MAJORITY VOTE.—The Council 
may take action by a vote of the majority of the 
members. 
‘‘(f) OFFICERS.—The Chairperson may appoint offi-
cers to assist in carrying out the duties of the Council 
under subsection (c). 
‘‘(g) STAFF.—Upon the request of the Chairperson, 
the Administrator may detail, on a nonreimbursable basis, 
personnel of the Office of the Flood Insurance Advocate 
of the Federal Emergency Management Agency to assist 
the Council in carrying out the duties of the Council. 
‘‘(h) POWERS.—In carrying out this section, the 
Council may hold hearings, receive evidence and assist-
ance, provide information, and conduct research as the 
Council considers appropriate. 
‘‘(i) REPORT TO CONGRESS AND OMB.—The Admin-
istrator shall submit to the Committee on Banking, Hous-
ing, and Urban Affairs of the Senate, the Committee on 
Financial Services of the House of Representatives, and 
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the Director of the Office of Management and Budget an 
annual report on— 
‘‘(1) the recommendations made by the Council; 
and 
‘‘(2) any recommendations made by the Council 
during the year covered by the report that, as of the 
date on which the report is submitted, have been de-
ferred or not acted upon, together with an explana-
tory statement with respect to those recommenda-
tions. 
‘‘(j) APPLICABILITY
OF
THE FEDERAL ADVISORY 
COMMITTEE ACT.—Section 1013 of title 5, United States 
Code, shall not apply to the Council.’’. 
SEC. 416. DISCLOSURE OF FLOOD RISK INFORMATION 
PRIOR TO TRANSFER OF PROPERTY. 
(a) IN GENERAL.—Chapter I of the National Flood 
Insurance Act of 1968 (42 U.S.C. 4011 et seq.), as 
amended by section 207, is amended by adding at the end 
the following: 
‘‘SEC. 1327. DISCLOSURE OF FLOOD RISK INFORMATION 
PRIOR TO TRANSFER OF PROPERTY. 
‘‘(a) IN GENERAL.—After September 30, 2024, no 
new flood insurance coverage may be provided under this 
title for any real property unless an appropriate public 
body has imposed, by statute or regulation, a duty on any 
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seller or lessor of improved real estate to provide to any 
purchaser or lessee (with respect to a lease for a term that 
is not shorter than 30 days) of the property a property 
flood hazard disclosure that the Administrator has deter-
mined meets the requirements of subsection (b). 
‘‘(b) DISCLOSURE REQUIREMENTS.— 
‘‘(1) REQUIREMENTS FOR SELLERS.—A prop-
erty flood hazard disclosure for the sale of a prop-
erty shall meet the requirements of this subsection 
only if the disclosure— 
‘‘(A) is made in writing; 
‘‘(B) discloses any actual knowledge of the 
seller of— 
‘‘(i) any prior physical damage caused 
by flood to a structure located on the prop-
erty; 
‘‘(ii) any prior insurance claim for a 
loss covered under the national flood insur-
ance program or private flood insurance 
with respect to the property; 
‘‘(iii) any previous notification regard-
ing the designation of the property as a re-
petitive loss structure or severe repetitive 
loss structure (as defined in section 
1366(h)); 
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‘‘(D) is delivered by, or on behalf of, the 
seller to the purchaser before the purchaser be-
comes obligated under any contract to purchase 
the property. 
‘‘(2) REQUIREMENTS FOR LESSORS.—A prop-
erty flood hazard disclosure for a rental property 
with a lease for a term that is not shorter than 30 
days shall meet the requirements of this subsection 
only if the disclosure— 
‘‘(A) is made in writing; 
‘‘(B) discloses any actual knowledge of the 
lessor— 
‘‘(i) of any Federal legal obligation to 
obtain and maintain flood insurance run-
ning with the property; 
‘‘(ii) regarding any prior physical 
damage caused by flood with respect to the 
unit being leased; and 
‘‘(iii) of the availability of coverage 
under this title for contents located in a 
structure on the property; and 
‘‘(C) is delivered by, or on behalf of, the 
lessor to the lessee before the lessee becomes 
obligated under any contract to lease the prop-
erty. 
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‘‘(3) RULE
OF
CONSTRUCTION.—Nothing in 
this section may be construed as preventing a State 
from adopting disclosure requirements in addition to 
the requirements of this section.’’. 
(b) AVAILABILITY
OF
FLOOD
INSURANCE
COV-
ERAGE.—Section 1305(c) of the National Flood Insurance 
Act of 1968 (42 U.S.C. 4012(c)) is amended— 
(1) in paragraph (1), by striking ‘‘, and’’ at the 
end and inserting a semicolon; 
(2) in paragraph (2), by striking the period at 
the end and inserting ‘‘; and’’; and 
(3) by adding at the end the following: 
‘‘(3) given satisfactory assurance that, not later 
than October 1, 2024, property flood hazard disclo-
sure requirements will have been adopted for the 
area (or subdivision) that meet the requirements of 
section 1327.’’. 
SEC. 417. GRACE PERIOD FOR RENEWAL OF COVERAGE AT 
RENEWAL OFFER RATE. 
Section 1308 of the National Flood Insurance Act of 
1968 (42 U.S.C. 4015) is amended by adding at the end 
the following: 
‘‘(n) GRACE PERIOD FOR RENEWAL OF COVERAGE 
AT RENEWAL OFFER RATE.—Notwithstanding section 
1307(g)(1), if a policyholder renews a policy for flood in-
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surance under this title not later than 90 days after the 
date on which the policy lapsed in coverage, the Adminis-
trator shall charge the same rate for the policy that the 
Administrator would have charged if the policyholder had 
renewed the policy before the lapse in coverage.’’. 
Æ 
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