Sec. 413. Easing proof of loss requirements
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Section 1312 of the National Flood Insurance Act of 1968 ( 42 U.S.C. 4019 ), as amended by section 406, is amended by adding at the end the following: Not later than 1 year after the date on which damage to or loss of a property that is covered by flood insurance made available under this title occurs, the policyholder with respect to the covered property may submit a proof of loss notice that contains only such information as is necessary to document the damage or loss, including— the amount claimed for the damage to or loss of the property; and the signature of the policyholder attesting to the accuracy of the amount claimed and the information supplied to document the damage or loss.
Not later than 1 year after the date on which a policyholder submits a proof of loss notice under paragraph
(1)with respect to a property that is covered by flood insurance made available under this title, the policyholder may submit supplemental information to support an increase in the amount claimed in the proof of loss notice if the policyholder discovers further damage to the property or otherwise determines that the amount claimed was insufficient. An error or honest omission in a proof of loss notice or in supplemental information submitted by a policyholder under paragraph
(1)or (2), respectively, with respect to a property that is covered by flood insurance made available under this title may not be used to deny the right of the policyholder— to receive a payment for the damage to or loss of the property; or to appeal or otherwise challenge the amount received for the damage to or loss of the property. . The amendment made by subsection
(a)shall apply to any claim for damage to or loss of property that is covered by flood insurance under the National Flood Insurance Program that is pending on, or made after, the date of enactment of this Act.
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Sec. 413
Easing proof of loss requirements
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