H.R. 3456: Flood Insurance Mitigation and Policyholder Protection Act of 2015

114th Congress · introduced 2015-09-09 · Finance and Financial Sector · Latest: Referred to the House Committee on Financial Services.

federal

Follow this bill, step by step

Where it came from: introduced 2015-09-09 · official record
Who proposed it: Rep. Donovan, Daniel M., Jr. [R-NY-11] · what a sponsor is
What happened next: no floor votes in our records yet. Why?
Where it stands now: Referred to the House Committee on Financial Services. Not final yet: this can still change. We check for updates every day.
If it becomes law and spends money: follow the money to money laws, then agencies and contracts and grants.

What does this mean?

Official title

Flood Insurance Mitigation and Policyholder Protection Act of 2015

Plain summary

Flood Insurance Mitigation and Policyholder Protection Act of 2015 This bill amends the National Flood Insurance Act of 1968 to direct the Federal Emergency Management Agency (FEMA) to require that any report of an on-site inspection of a property by a claims adjustor or engineer for the purpose of assessing any claim for losses covered by a flood insurance policy under such Act: may not be transmitted to any other person, employer, agency, or entity, before it is transmitted to the insured; may not include alterations by, or at the request of, anyone other than such preparer and shall include the preparer's certification that it does not contain any such alterations; and shall be transmitted in a manner that gives reasonable assurance that it was transmitted directly to the insured by the preparer. A claimant is authorized, in the case of a denial by FEMA or an insurance company of a claim for losses that is appealed to FEMA, to institute an action on such claim against FEMA or such insurance company in U.S. district court within one year after the date of a final determination upon appeal denying such claim. FEMA must, within 60 days after enactment of this Act, issue guidelines required under the Homeowner Flood Insurance Affordability Act of 2014 for alternative mitigation methods, other than building elevation, to reduce flood risk to residential buildings that cannot be elevated due to their structural characteristics.

Congressional Research Service summary (Introduced in House), quoted unchanged (nonpartisan). Read the source.

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A “Yea” vote

If it passes both chambers and is signed, it becomes law.

A “Nay” vote

If it is not passed, current law stays as it is.

PSI Sci description of the legislative step (not an opinion).

What does this mean? (plain words)

Official text

Flood Insurance Mitigation and Policyholder Protection Act of 2015

Source: Congressional Research Service summary (Introduced in House)

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How did my representative vote? · This bill's floor votes

Officials and money

Sponsor: Rep. Donovan, Daniel M., Jr. [R-NY-11] · 2 cosponsors

Cost estimate: No cost estimate published yet.

Cosponsors on this site

No linked floor roll calls in our collected records yet. This does not mean the bill has never had a vote. Check the official bill history.

Words on this page, explained (2)

Authorization: A law that creates or continues a government program and says what it may do, often with a suggested spending ceiling. An authorization alone does not provide money; a separate appropriation does.
Bill: A proposed law. It becomes law only if it passes the legislature and is signed by the president or governor (or a veto is overridden).

Plain meanings written from linked sources. All words.

Sources

Congressional Research Service summary (Introduced in House)
Congress.gov
Data: GovInfo BILLSTATUS bulk data (Library of Congress), BILLSTATUS-114hr3456.xml <https://www.govinfo.gov/bulkdata/BILLSTATUS/114/hr>

Record fed-us-cong114-hr3456 · catalog fed-us-congress-bills-cong114 · updated 2026-11-15 by psicol fed-bills-cong114