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Faster Flood Insurance Advance Payments: Pilot Program Using Remote Technology.

This act establishes a one-year pilot program to speed up and increase initial flood insurance claim payments using modern technology like remote sensing. This allows FEMA to quickly assess damage and provide funds to affected policyholders sooner after a disaster. Crucially, the law also permits the forgiveness of potential overpayments resulting from these rapid advance payments, protecting citizens from unexpected debt.
Key points
Quicker funds after flooding: FEMA will use technology (like satellite imagery) to quickly assess damage, aiming to speed up advance payments for home repairs.
Increased advance amounts: The pilot program seeks to increase the amount of initial payments to better assist policyholders with immediate cleanup and repairs.
Overpayment forgiveness: If the rapid advance payment is higher than the final claim amount, FEMA may waive the requirement for the policyholder to repay the difference.
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Additional Information
Print number: 118_S_3153
Sponsor: Sen. Kennedy, John [R-LA]
Process start date: 2023-10-26
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Summarized by: gemini-2.5-flash-preview-09-2025
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

Emergency Advance Payments Modernization Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 118_S_3153.

Which chamber initiated this legislation?

This legislation was initiated in the Senate.

When did the legislative process begin?

The process officially started on 2023-10-26.

What are the main provisions?

Key points include:

  • Quicker funds after flooding: FEMA will use technology (like satellite imagery) to quickly assess damage, aiming to speed up advance payments for home repairs.
  • Increased advance amounts: The pilot program seeks to increase the amount of initial payments to better assist policyholders with immediate cleanup and repairs.
  • Overpayment forgiveness: If the rapid advance payment is higher than the final claim amount, FEMA may waive the requirement for the policyholder to repay the difference.
What is the specific legal status?

The current status is Expired.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Sen. Kennedy, John [R-LA].

What is the latest detailed status?

The latest detailed status is: Introduced in Senate

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-26.

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