National Flood Insurance Program Administrative Reform Act of 2025

The bill changes several rules for the National Flood Insurance Program. In a voluntary pilot, insurers could inspect a policyholder's property, at the policyholder's request, for preexisting structural problems that might later be used to deny a flood claim. The bill also creates penalties for knowingly filing false flood insurance claims or reports, requires claim decisions within 120 days, and sets up a formal appeals process. It further requires new coverage disclosure sheets, oversight of company litigation spending, a ban on hiring disbarred attorneys, and a new advisory committee.