Sec. 5. Enhanced policyholder appeals process rights
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Part C of chapter II of the National Flood Insurance Act of 1968 ( 42 U.S.C. 4081 et seq.), as amended by the preceding provisions of this Act, is further amended by adding at the end the following new section: The Administrator shall establish an appeals process to enable holders of a flood insurance policy provided under this title to appeal the decisions of their insurer, with respect to the disallowance, in whole or in part, of any claims for proved and approved losses covered by flood insurance.
Such appeals shall be limited to the claim or portion of the claim disallowed by the insurer. Upon a decision in an appeal under subsection (a), the Administrator shall provide the policyholder with a written appeal decision. The appeal decision shall explain the Administrator’s determination to uphold or overturn the decision of the flood insurer. The Administrator may direct the flood insurer to take action necessary to resolve the appeal, to include re-inspection, re-adjustment, or payment, as appropriate.
This section shall not be construed as— making the Federal Emergency Management Agency or the Administrator a party to the flood insurance contract; or creating any action or remedy not otherwise provided by this title. . Section 205 of the Bunning-Blumenauer-Bereuter Flood Insurance Reform Act of 2004 ( 42 U.S.C. 4011 note) is hereby repealed.
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