at the time of application for or renewal of such coverage. (b) Refusal To Mitigate (1) In general Except as provided pursuant to paragraph (2), the Administrator may not make flood insurance coverage available under this title for any extreme repetitive-loss property for which a claim payment for flood loss was made under coverage made available under this title that occurred after the date of enactment of the 21st Century Flood Reform Act if the property owner refuses an offer of mitigation for the property under section 1366(a)(2) ( 42 U.S.C. 4104c(a)(2) ). (2) Exceptions