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Congress Nears Five-Year Deal to Buoy Flood Program

(Corrects Sept. 29 story starting in 21st paragraph to indicate that Wicker proposal would apply only to federal program.)

Sept. 29 (Bloomberg) -- U.S. lawmakers may be nearing agreement on a long-term extension of the National Flood Insurance Program, giving hope to homebuilders, insurers and real estate firms that three years of uncertainty may be coming to a close.

The federal program, almost $18 billion in debt in the wake of 2005 hurricanes Katrina, Rita and Wilma, has been caught in a legislative tug-of-war between lawmakers in the House and Senate that has caused three lapses in the program in as many years.

The current House and Senate proposals, however, have attracted something otherwise in short supply in the current Congress: bipartisan support. A five-year reauthorization could clear the way for new home-building in flood-prone areas and generate new business for insurers and reinsurers including Swiss Re, Allstate Corp. and Travelers Cos.

“For the first time since the program expired, the House and the Senate are essentially on the same page,” said Eli Lehrer, a vice president at the Chicago-based Heartland institute, a research and education group that promotes free- market ideas. “On the big questions that have gummed things up in the past, the bills appear extremely likely to have the same things in them.”

Under the program, the government provides flood insurance -- mostly in partnership with insurance companies -- for homes and businesses in flood-prone regions. Policies in the riskiest areas are subsidized at less than actuarially sound levels.

The insurance, mortgage and building industries are lobbying hard for a long-term extension of the program, which insures 5.6 million policies with premiums in force of $3.4 billion.

Lapses

Previous lapses have caused hardship for real estate agents, homebuyers and homebuilders like Beazer Homes USA Inc., KB Homes and Lennar Corp., which are already struggling with a moribund housing market. A lapse in 2010 resulted in the delay or cancellation of 47,000 home sales, according to a National Association of Realtors survey.

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Life Insurance License California

proof of insurance that the license is easier for California?

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