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FEMA Announces Launch of the Interim Office of the Flood Insurance Advocate
Thursday, December 18, 2014

MEMORANDUM FOR: Write Your Own (WYO) Principal Coordinators and the

National Flood Insurance Program (NFIP) Servicing Agent

 FROM: Dennis Kuhns

Division Director

Risk Insurance Division

SUBJECT: FEMA Announces Launch of the Interim Office of the Flood Insurance Advocate

The U.S. Department of Homeland Security’s Federal Emergency Management Agency Administrator Craig Fugate announced Dec. 18 the launch of the Interim Office of the Flood Insurance Advocate, led by the Acting Flood Insurance Advocate, David Stearrett.

The Interim Flood Insurance Advocate office will stand up effective Dec. 22, 2014.

The Interim Office will begin work on specialized assistance to citizens and policyholders on National Flood Insurance Program issues, as well as regional mapping outreach and education support. The Interim Office will operate until a permanent Office of the Flood Insurance Advocate is established pursuant to Section 24 of the Homeowner Flood Insurance Affordability Act of 2014 (subject to budget resources). To best carry out its mission, duties, and responsibilities, the Interim Office will be an independent office within FEMA with direct alignment to the Federal Insurance and Mitigation Administration associate administrator and the FEMA administrator.

Until funding is available to establish the permanent office, a number of FEMA employees will be detailed to the Interim Office. FEMA spent several months developing options to implement this new provision, and met with a number of advocate and ombudsman offices at other federal agencies and identified areas of greatest policyholder- and property owner needs. These findings were leveraged to build the interim office.

FEMA is designating an Acting Flood Insurance Advocate and an interim Office of the Flood Insurance Advocate as part of its commitment to immediately begin providing assistance to homeowners and policyholders. At launch, the acting advocate and staff will focus on assisting the public as they navigate through the NFIP processes by leveraging FEMA resources to address specific public inquiries or concerns. The acting advocate will also develop a long-term regional mapping outreach and education strategy to maximize support to the public. The Interim Flood Insurance Advocate office will operate with existing resources, and further expansion is subject to future funding, as FEMA is operating under a Continuing Resolution.

The flood insurance advocate will be an independent office within FEMA and have direct access on an advisory basis to the FEMA administrator. As funds become available, FEMA plans to designate a permanent flood insurance advocate and staff. Initially, the public can reach the advocate by email at advocate@fema.dhs.gov. In the next month, the advocate will establish a phone number to receive inquiries from the public. As with normal NFIP and FEMA business, FEMA recommends policyholders continue to also work with their insurance agents to resolve any questions or concerns that they have related to flood insurance or contact FloodSmart at (888) 379-9531. FEMA recommends that congressional offices continue to coordinate inquiries or concerns through the FEMA Office of Congressional Affairs.

The NFIP is a federal program created by Congress to mitigate future flood losses nationwide through sound, community-enforced building and zoning ordinances and to provide access to affordable, federally backed flood insurance protection for property owners. The NFIP is designed to provide an insurance alternative to disaster assistance to meet the escalating costs of repairing damage to buildings and their contents caused by floods. Thank you for your support and partnership as we stand up the Interim Office.




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