Pick one or more. We'll use your choices and the connected bills to help you send a message to your elected officials.
Answer the policy questions below or skip any that don't fit your view. We use only your answers and the bills they connect to for your message.
1 bill on this topic
“The federal government should help private insurers cover very large disaster losses so home and business insurance stays available.”
1 bill on this topic
“Congress should limit FEMA's power to control how private insurance companies participate in federal insurance programs.”
1 bill on this topic
“Treasury should decide when insurer losses are large enough for federal reinsurance to pay, cap that trigger at 40 percent of likely worst-case losses, charge insurers based on expected losses and program costs, and limit most yearly premium increases to 7 percent.”
1 bill on this topic
“Federal flood insurance policyholders should get clearer claim records, faster claim decisions, an independent appeal option, and rules for when claim disputes can go to court.”
1 bill on this topic
“The federal government should allow private insurance companies to compete freely with the national flood insurance program.”
1 bill on this topic
“People with federal flood insurance should get clear claim decisions, access to their files, fair appeal rights, and a reasonable path to court when disputes are not resolved.”
1 bill on this topic
“Home and business owners should be able to test longer property insurance policies with more stable terms.”
1 bill on this topic
“Treasury should create a test program for broad property insurance policies that last at least 5 years instead of being renewed every year.”
1 bill on this topic
“Federal flood insurance should stay available and should balance affordable prices with the real cost of flood risk.”
1 bill on this topic
“The federal flood insurance program should control its costs and hold private companies accountable while keeping enough insurers and agents willing to serve policyholders.”
1 bill on this topic
“Federal flood insurance should cover higher building and contents losses, give housing co-op owners access more like condo owners, and pay more for eligible flood-safety upgrades, mitigation, buyouts, or relocation.”
1 bill on this topic
“The federal flood insurance program should be allowed to delay some interest payments on its debt without canceling the debt itself.”
1 bill on this topic
“Federal flood insurance policyholders should get help managing costs through 9 percent yearly price caps for most policies, income-based discounts, monthly payment options, and a 90-day renewal window after a lapse.”
1 bill on this topic
“FEMA should keep selling and servicing federal flood insurance through September 30, 2028, and keep operations running during federal budget gaps when program money is available.”
1 bill on this topic
“FEMA should limit payments to private companies that sell or service federal flood policies, require clearer vendor cost information, hold companies accountable for claim payment errors, and address harmful contractor or litigation practices.”
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Example: My daughter's school closed twice last fall because of wildfire smoke.
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