establishing an Office of the Flood Insurance Advo-
cate, headed by the National Flood Insurance Advo-
cate, to assist insureds under the national flood in-
surance program in resolving problems with the Fed-
eral Emergency Management Agency relating to 
such program. Such report shall examine and ana-
lyze, and include recommendations regarding— 
‘‘(A) an appropriate structure in which to 
establish such an Office, and appropriate levels 
of personnel for such Office; 
‘‘(B) other appropriate functions for such 
an Office, which may include— 
‘‘(i) identifying areas in which such 
insureds have problems in dealing with the 
Agency relating to such program; 
‘‘(ii) proposing changes in the admin-
istrative practices of the Agency to resolve 
or mitigate problems encountered by such 
insureds; and 
‘‘(iii) identifying potential legislative 
changes which may be appropriate to re-
solve or mitigate such problems; 
‘‘(C) appropriate procedures for formal re-
sponse by the Director to recommendations sub-
mitted to the Director by the National Flood 
Insurance Advocate; 
‘‘(D) the feasibility and effectiveness of au-
thorizing the National Flood Insurance Advo-
cate to issue flood insurance assistance orders 
in cases in which the Advocate determines that 
a qualified insured is suffering or about to suf-
fer a significant hardship as a result of the 
manner in which the flood insurance laws are 
being administered or meets such other require-
ments may be appropriate, including examining 
and analyzing— 
‘‘(i) appropriate limitations on the 
scope and effect of such orders; 
‘‘(ii) an appropriate standard for de-
termining such a significant hardship; 
‘‘(iii) appropriate terms of flood insur-
ance assistance orders; and 
‘‘(iv) appropriate procedures for modi-
fying or rescinding such orders; 
‘‘(E) the feasibility and effectiveness of es-
tablishing offices of flood insurance advocates 
who report to the National Flood Insurance Ad-
vocate, including examining and analyzing—
‘‘(i) the appropriate coverage and geo-
graphic allocation of such offices; 
‘‘(ii) appropriate procedures and cri-
teria for referral of inquiries by insureds 
under such program to such offices; 
‘‘(iii) allowing such advocates to con-
sult with appropriate supervisory personnel 
of the Agency regarding the daily oper-
ation of the offices; and 
‘‘(iv) providing authority for such ad-
vocates not disclose to the Director contact 
with, or information provided by, such an 
insured; 
‘‘(F) appropriate methods for developing 
career paths for flood insurance advocates re-
ferred to in subparagraph (E) who may choose 
to make a career in the Office of the Flood In-
surance Advocate; and 
‘‘(G) such other issues regarding the estab-
lishment of an Office of the Flood Insurance 
Advocate as the National Flood Insurance Ad-
vocate considers appropriate. 
‘‘(3) DIRECT SUBMISSION OF REPORTS.—Each 
report required under paragraph (2) shall be pro-
vided directly to the Congress by the National Flood
Insurance Advocate without any prior review or com-
ment from the Director, the Secretary of Homeland 
Security, or any other officer or employee of the 
Federal Emergency Management Agency or the De-
partment of Homeland Security, or the Office of 
Management and Budget. 
‘‘(c) AUTHORIZATION OF APPROPRIATIONS.—There 
are authorized to be appropriated for fiscal year 2008 and 
each fiscal year thereafter such sums as may be necessary 
to carry out this section.’’. 
SEC. 35. REQUIREMENTS RELATING TO WINDSTORM AND 
FLOOD. 
Section 1345 of the National Flood Insurance Act of 
1968 (42 U.S.C. 4081) is amended by adding at the end 
the following new subsection: 
‘‘(d) REQUIREMENTS FOR WRITE-YOUR-OWN INSUR-
ERS RELATING TO WINDSTORM AND FLOOD.—The Direc-
tor may not utilize the facilities or services of any insur-
ance company or other insurer to offer flood insurance 
coverage under this title unless such company or insurer 
enters into a written agreement with the Director that 
provides as follows: 
‘‘(1) PROHIBITION
ON
EXCLUSION
OF
WIND 
DAMAGE COVERAGE.—The agreement shall prohibit 
the company or insurer from including, in any policy