Boosts flood insurance policyholder rights and speeds up claim decisions.
This bill would make it easier for people with flood insurance to appeal denied claims and get faster decisions. It would also make insurance policies clearer and crack down on fraud, aiming to protect homeowners and taxpayers.
Today, flood insurance policyholders may face unclear processes for appealing denied claims and lack strict deadlines for claim decisions. Policy disclosures might not always be in plain language, and there are no explicit rules for sharing technical reports with policyholders. If this bill becomes law, policyholders would have a formal appeals process with a 120-day decision deadline. Initial claim determinations would also have a 120-day deadline. All policies would include easy-to-understand disclosure sheets, and policyholders could get copies of technical reports used in their claims.
HR 5500 · 119th Congress · September 18, 2025 · AI Summary by gemini-2.5-flash · 9/10
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3 filings mentioned this bill
Amounts reflect total quarterly lobbying spend reported to the Senate, not bill-specific spending. Source: Senate LDA filings.