I 
114TH CONGRESS 
1ST SESSION H. R. 3456 
To improve the process for claims for losses under the National Flood 
Insurance Program, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
SEPTEMBER 9, 2015 
Mr. DONOVAN introduced the following bill; which was referred to the 
Committee on Financial Services 
A BILL 
To improve the process for claims for losses under the 
National Flood Insurance Program, 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 ‘‘Flood Insurance Miti-
gation and Policyholder Protection Act of 2015’’. 
SEC. 2. CLAIMS ADJUSTMENT AND ENGINEERING RE-
PORTS. 
Section 1312 of the National Flood Insurance Act of 
1968 (42 U.S.C. 4019) is amended by adding at the end 
the following new subsection: 
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‘‘(d) CLAIMS ADJUSTMENT AND ENGINEERING RE-
PORTS.—The Administrator shall require that, in the case 
of any on-site inspection of a property by a claims adjustor 
or engineer for the purpose of assessing any claim for 
losses covered by a policy for flood insurance coverage pro-
vided under this title, any report shall be provided to the 
insured under the policy, as follows: 
‘‘(1) TIMING.—Such report may not be trans-
mitted to any other person, employer, agency, or en-
tity, before it is transmitted to the insured. 
‘‘(2) PROHIBITION ON ALTERATIONS; CERTIFI-
CATION.—The report may not include alterations by, 
or at the request of, anyone other than such pre-
parer and shall include a certification, signed by the 
preparer of the report, that it does not contain any 
such alterations. 
‘‘(3) TRANSMITTAL.—The report shall be trans-
mitted to the insured in a manner as the Adminis-
trator shall provide that provides reasonable assur-
ance that it was transmitted directly to the insured 
by the preparer. 
‘‘(4) REPORTS COVERED.—For purposes of this 
subsection, the term ‘report’ means any report or 
document in connection with such claim that is 
based on such on-site inspection, including any ad-
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justment report, field report, and engineering report 
or survey. Such term also includes any draft, pre-
liminary version, or copy of any such report or sur-
vey, any amendments or additions to any such re-
port or survey,’’. 
SEC. 3. JUDICIAL REVIEW. 
(a) GOVERNMENT PROGRAM WITH INDUSTRY AS-
SISTANCE.—Section 1341 of the National Flood Insurance 
Act of 1968 (42 U.S.C. 4072) is amended by inserting 
before ‘‘, may institute’’ the following: ‘‘or, in the case of 
a denial of a claim for losses that is appealed to the Ad-
ministrator, within one year after the date of a final deter-
mination upon appeal denying such claim in whole or in 
part’’. 
(b) INDUSTRY PROGRAM WITH FEDERAL FINANCIAL 
ASSISTANCE.—Section 1333 of the National Flood Insur-
ance Act of 1968 (42 U.S.C. 4053) is amended by insert-
ing before ‘‘, may institute’’ the following: ‘‘or, in the case 
of a denial of a claim for losses that is appealed to the 
Administrator, within one year after the date of a final 
determination upon appeal denying such claim in whole 
or in part’’. 
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