‘‘(k) RULE OF CONSTRUCTION.—This section shall 
not be construed to eliminate or alter any requirement on 
the Administrator associated with the notification or con-
sultation of specified individuals or groups of individuals 
as required elsewhere by statute.’’. 
SEC. 13. INTERAGENCY GUIDANCE ON COMPLIANCE. 
The Federal entities for lending regulation (as such 
term is defined in section 3(a) of the Flood Disaster Pro-
tection Act of 1973 (42 U.S.C. 4003(a))), in consultation 
with the Administrator of the Federal Emergency Man-
agement Agency, shall update and reissue the document 
entitled ‘‘Interagency Questions and Answers Regarding 
Flood Insurance’’ not later than the expiration of the 12- 
month period beginning on the date of the enactment of 
this Act and not less frequently than biennially thereafter. 
SEC. 14. GAO STUDY OF CLAIMS ADJUSTMENT PRACTICES. 
The Comptroller General of the United States shall 
conduct a study of the policies and practices for adjust-
ment of claims for losses under flood insurance coverage 
made available under the National Flood Insurance Act, 
which shall include— 
(1) a comparison of such policies and practices 
with the policies and practices for adjustment of 
claims for losses under other insurance coverage; 
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(2) an assessment of the quality of the adjust-
ments conducted and the effects of such policies and 
practices on such quality; 
(3) identification of any incentives under such 
policies and practices that affect the speed with 
which such adjustments are conducted; and 
(4) identification of the affects of such policies 
and practices on insureds submitting such claims for 
losses. 
Not later than the expiration of the 18-month period be-
ginning on the date of the enactment of this Act, the 
Comptroller General shall submit a report to the Com-
mittee on Financial Services of the House of Representa-
tives and the Committee on Banking, Housing, and Urban 
Affairs of the Senate regarding the findings and conclu-
sions of the study conducted pursuant to this section. 
SEC. 15. GAO STUDY OF FLOOD INSURANCE COVERAGE 
TREATMENT OF EARTH MOVEMENT. 
The Comptroller General of the United States shall 
conduct a study of the treatment, under flood insurance 
coverage made available under the National Flood Insur-
ance Act, of earth movement and subsidence, including 
earth movement and subsidence caused by flooding, which 
shall include— 
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(1) identification and analysis of the effects of 
such treatment on the National Flood Insurance 
Program and insureds under the program; 
(2) an assessment of the availability and afford-
ability of coverage in the private insurance market 
for earth movement and subsidence caused by flood-
ing; 
(3) an assessment of the effects on the National 
Flood Insurance Program of covering earth move-
ment and subsidence caused by flooding; and 
(4) a projection of the increased premiums that 
would be required to make coverage for earth move-
ment losses actuarially sound and not fiscally detri-
mental to the continuation of the National Flood In-
surance Program. 
Not later than the expiration of the 18-month period be-
ginning on the date of the enactment of this Act, the 
Comptroller General shall submit a report to the Com-
mittee on Financial Services of the House of Representa-
tives and the Committee on Banking, Housing, and Urban 
Affairs of the Senate regarding the findings and conclu-
sions of the study conducted pursuant to this section. 
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SEC. 16. DEFINITIONS. 
(a) NATIONAL FLOOD INSURANCE ACT OF 1968.— 
Subsection (a) of section 1370 of the National Flood In-
surance Act of 1968 (42 U.S.C. 4121(a)) is amended— 
(1) in paragraph (14), by striking ‘‘and’’ at the 
end; 
(2) in paragraph (15), by striking the period at 
the end and inserting a semicolon; and 
(3) by adding at the end the following new 
paragraphs: 
‘‘(16) the term ‘Write Your Own Program’ 
means the program under which the Federal Emer-
gency Management Agency enters into a standard 
arrangement with private property insurance compa-
nies to sell contracts for flood insurance coverage 
under this title under their own business lines of in-
surance, and to adjust and pay claims arising under 
such contracts; and 
‘‘(17) the term ‘Write Your Own company’ 
means a private property insurance company that 
participates in the Write Your Own Program.’’. 
(b) BIGGERT-WATERS FLOOD INSURANCE REFORM 
ACT OF 2012.—Subsection (a) of section 100202 of the 
Biggert-Waters Flood Insurance Reform Act of 2012 (42 
U.S.C. 4004(a)) is amended by striking paragraph (5) and 
inserting the following new paragraph: 
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‘‘(5) WRITE
YOUR
OWN.—The terms ‘Write 
Your Own Program’ and ‘Write Your Own company’ 
have the meanings given such terms in section 
1370(a) of the National Flood Insurance Act of 
1968 (42 U.S.C. 4121(a)).’’. 
Æ 
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