{"id":6161,"date":"2013-10-29T11:47:00","date_gmt":"2013-10-29T15:47:00","guid":{"rendered":"https:\/\/www.merkley.senate.gov\/merkley-introduces-legislation-to-protect-homeowners-from-flood-insurance-rate-spike\/"},"modified":"2023-07-24T11:10:29","modified_gmt":"2023-07-24T15:10:29","slug":"merkley-introduces-legislation-to-protect-homeowners-from-flood-insurance-rate-spike","status":"publish","type":"post","link":"https:\/\/www.merkley.senate.gov\/es\/merkley-introduces-legislation-to-protect-homeowners-from-flood-insurance-rate-spike\/","title":{"rendered":"Merkley presenta legislaci\u00f3n para proteger a los propietarios de viviendas del aumento de las tarifas del seguro contra inundaciones"},"content":{"rendered":"

WASHINGTON DC<\/strong> – On the one year anniversary of Superstorm Sandy, Oregon’s Senator Jeff Merkley and a bipartisan coalition of Senators introduced the Ley de asequibilidad del seguro contra inundaciones para propietarios de viviendas <\/em>which will protect thousands of Oregon homeowners from facing huge flood insurance premium rate hikes and require FEMA to complete an affordability study and propose real solutions to address affordability issues before any flood insurance premiums can be raised in the future.<\/p>\n

\n

“Something is very wrong when middle class families across Oregon and America are more worried about extreme spikes in flood insurance than about actual floods. This must be remedied,” dijo Merkley.<\/strong> “We can strengthen the long-term health of the program without pricing families out of their homes.  I am pleased that last month’s hearing helped mobilize a bipartisan coalition committed to giving homeowners relief.”<\/p>\n<\/blockquote>\n

In September, Merkley chaired a hearing in his Economic Policy subcommittee on flood insurance rate spikes and possible solutions.  He then assembled a bipartisan working group of Senators concerned about the problems, which led to today’s legislation.<\/p>\n

El Ley de asequibilidad del seguro contra inundaciones para propietarios de viviendas<\/em> voluntad:<\/p>\n

SECCI\u00d3N 1. IMPLEMENTACI\u00d3N DEMORA DE LOS AUMENTOS DE LAS TARIFAS DEL SEGURO CONTRA INUNDACIONES<\/span><\/p>\n

Retrasa la implementaci\u00f3n de aumentos de tarifas en los siguientes tres tipos de propiedades hasta que FEMA cumpla con dos requisitos: 1) complete el estudio de asequibilidad exigido por la Ley de Reforma del Seguro contra Inundaciones de Biggert-Waters de 2012, proponga un borrador de marco de asequibilidad para la revisi\u00f3n del Congreso, y el Congreso tenga un oportunidad de otorgar autoridad de asequibilidad a FEMA; y 2) el administrador de FEMA certifica que la agencia ha implementado un enfoque de mapeo de inundaciones que utiliza metodolog\u00edas cient\u00edficas y de ingenier\u00eda s\u00f3lidas para determinar los diferentes niveles de riesgo de inundaci\u00f3n en todas las \u00e1reas que participan en el Programa Nacional de Seguro contra Inundaciones:<\/p>\n

    \n
  1. All homes and businesses that are currently “grandfathered.”  These are properties that were built to code and later remapped into a higher risk area.  Prior to Biggert-Waters, these policyholders were not penalized for relying on inaccurate FEMA flood maps.<\/li>\n
  2. All properties that purchased a new policy after July 6, 2012, before they were legally required to purchase insurance.<\/li>\n
  3. All properties sold after July 6, 2012.  New homeowners and business owners will continue to receive the same treatment as the previous owner unless they trigger another provision in Biggert-Waters such as Severe Repetitive Loss, non-primary residence, substantial damage, etc.<\/li>\n<\/ol>\n

    La medida requiere que FEMA proponga un borrador de marco regulatorio para abordar cualquier problema de asequibilidad identificado por el estudio dentro de los 18 meses posteriores a la finalizaci\u00f3n del estudio y establece un per\u00edodo de seis meses a partir de entonces para permitir la revisi\u00f3n del Congreso. La C\u00e1mara y el Senado luego retendr\u00edan los votos a favor o en contra a trav\u00e9s de una moci\u00f3n privilegiada para otorgar a FEMA la autoridad para promulgar regulaciones de asequibilidad. Si el Congreso aprueba esta autoridad, el congelamiento espec\u00edfico establecido por este proyecto de ley continuar\u00eda hasta que se finalicen las regulaciones. De lo contrario, los congelamientos se levantar\u00edan en ausencia de otra acci\u00f3n del Congreso.<\/p>\n

    SECCI\u00d3N 2. FINANCIAMIENTO DEL ESTUDIO DE ASEQUIBILIDAD<\/span><\/p>\n

    La secci\u00f3n 100236 de Biggert-Waters requer\u00eda que FEMA produjera un estudio que considerara los efectos que tendr\u00e1 el proyecto de ley sobre la asequibilidad. Tacha el monto arbitrario en d\u00f3lares del estudio de asequibilidad para garantizar que FEMA tenga los fondos necesarios para completarlo dentro de los dos a\u00f1os posteriores a la fecha de promulgaci\u00f3n.<\/p>\n

    SECCI\u00d3N 3. FONDOS PARA REEMBOLSAR A LOS PROPIETARIOS POR APELACIONES DE MAP EXITOSAS<\/span><\/p>\n

    Permite a FEMA utilizar el Fondo Nacional de Seguro contra Inundaciones (NFIF) para reembolsar a los titulares de p\u00f3lizas que apelan con \u00e9xito una determinaci\u00f3n del mapa. FEMA actualmente tiene la autoridad para reembolsar a los propietarios de viviendas por apelaciones exitosas de hallazgos de mapas, pero el Congreso nunca ha asignado fondos para este prop\u00f3sito. Hacer que el reembolso de la apelaci\u00f3n sea un gasto elegible del NFIF le dar\u00eda a FEMA el incentivo para "hacerlo bien la primera vez" y reembolsar a los propietarios por contribuir al conjunto de conocimientos sobre el riesgo de inundaciones. Las apelaciones fallidas no ser\u00e1n reembolsadas de ninguna manera.<\/p>\n

    SECCI\u00d3N 4. ELIMINAR LA MULTA SOBRE LA PROTECCI\u00d3N CONTRA INUNDACIONES CON AUTOFINANCIACI\u00d3N DE LAS COMUNIDADES<\/span><\/p>\n

    Las categor\u00edas de zonas de inundaci\u00f3n AR y A99 de FEMA brindan un seguro contra inundaciones m\u00e1s asequible a las comunidades que califican y que est\u00e1n en proceso de construcci\u00f3n, reconstrucci\u00f3n y mejoras de diques. Las regulaciones actuales requieren un cierto nivel de participaci\u00f3n federal para calificar para una designaci\u00f3n A99 o AR y, por lo tanto, impiden que FEMA otorgue a las comunidades un cr\u00e9dito justo por las mejoras realizadas en los sistemas de control de inundaciones existentes. Las comunidades proactivas que invierten en mitigaci\u00f3n no deben ser penalizadas por proyectos de protecci\u00f3n contra inundaciones autofinanciados. <\/p>\n

    SECCI\u00d3N 5. TRATAMIENTO DE LAS \u00c1REAS DEL S\u00d3TANO AL CALCULAR LAS ELEVACIONES DE INUNDACI\u00d3N BASE<\/span><\/p>\n

    Conserva la excepci\u00f3n del s\u00f3tano anterior a Bigggert-Waters que permite que la abertura m\u00e1s baja a prueba de inundaciones en una casa se use para determinar las tarifas del seguro contra inundaciones. Esto afecta a 54 comunidades en todo el pa\u00eds donde los s\u00f3tanos son necesarios para proteger a los propietarios de viviendas y negocios del clima extremo. Los s\u00f3tanos que no han sido protegidos contra inundaciones quedar\u00edan sujetos a los efectos de Biggert-Waters<\/p>\n

    SECCI\u00d3N 6. DESIGNACI\u00d3N DEL DEFENSOR DEL MAPA DE TARIFAS DE SEGURO CONTRA INUNDACIONES<\/span><\/p>\n

    Establece un Defensor del Mapa de Tasas de Seguro contra Inundaciones dentro de FEMA para responder a las preguntas de los titulares de p\u00f3lizas actuales y potenciales sobre el proceso de mapeo de inundaciones. El Defensor del mapa de tarifas ser\u00e1 responsable de educar a los asegurados sobre sus riesgos de inundaci\u00f3n individuales, sus opciones para elegir una p\u00f3liza, ayudar a los propietarios a trav\u00e9s del proceso de apelaciones del mapa y mejorar el alcance y la coordinaci\u00f3n con los funcionarios locales, los l\u00edderes comunitarios y el Congreso.<\/p>\n

    Los propietarios de viviendas con hipotecas que viven en zonas inundables deben tener un seguro contra inundaciones, que para aproximadamente el 20 por ciento de las propiedades tradicionalmente ha sido subsidiado o protegido a una tasa m\u00e1s baja por el Programa Nacional de Seguros contra Inundaciones (NFIP). Antes de que azotara la supertormenta Sandy, se aprob\u00f3 un proyecto de ley federal de reforma del seguro contra inundaciones, la Ley Biggert-Waters, como parte de un paquete legislativo m\u00e1s amplio. La Ley Biggert-Waters ten\u00eda como objetivo reducir o eliminar gradualmente el subsidio federal NFIP hasta en un 25 por ciento anual, lo que aumentar\u00eda dr\u00e1sticamente las primas para propietarios de viviendas y empresas.<\/p>\n

    The bill is co-sponsored by Senators Robert Menendez (D-NJ), Johnny Isakson (R-GA), Thad Cochran (R-MS), Mary Landrieu (D-LA), David Vitter (R-LA), Chuck Schumer (D-NY), Bill Nelson (R-FL), Mark Begich (D-AK), Kirsten Gillibrand (D-NY), John Hoeven (R-ND), Al Franken (D-MN), Elizabeth Warren (D-MA), Heidi Heitkamp (D-ND) and Ed Markey (D-MA).  Congresswoman Maxine Waters, along with Congressmen Michael Grimm, Cedric Richmond and 34 others are introducing a companion bill in the House of Representatives.<\/p>\n

    ###<\/p>","protected":false},"excerpt":{"rendered":"

    WASHINGTON, DC – On the one year anniversary of Superstorm Sandy, Oregon’s Senator Jeff Merkley and a bipartisan coalition of Senators introduced the Homeowner Flood Insurance Affordability Act which will protect thousands of Oregon homeowners from facing huge flood insurance premium rate hikes and require FEMA to complete an affordability study and propose real solutions […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[24],"tags":[43,36],"class_list":["post-6161","post","type-post","status-publish","format-standard","hentry","category-press-releases","tag-bipartisan-actions","tag-natural-resources-and-rural-development"],"acf":[],"yoast_head":"\nMerkley Introduces Legislation to Protect Homeowners From Flood Insurance Rate Spike - Merkley<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.merkley.senate.gov\/es\/merkley-introduces-legislation-to-protect-homeowners-from-flood-insurance-rate-spike\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Merkley Introduces Legislation to Protect Homeowners From Flood Insurance Rate Spike - 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