National Flood Insurance Program Administrative Reform Act of 2025

This bill reforms the National Flood Insurance Program by requiring initial claim decisions within 120 days, enhancing policyholder appeals rights, and mandating clearer disclosure of coverage limitations in standard flood insurance policies. It establishes a voluntary pilot program allowing insurers to investigate preexisting property conditions that could affect claims, and creates a new Federal Flood Insurance Advisory Committee to provide input on program operations. The bill also includes provisions to prevent fraud, improve transparency around technical reports used in claims adjustment, and ensure adequate staffing for the Office of Flood Insurance Advocate. These changes aim to streamline claims processing, increase transparency for policyholders, and improve program oversight.