; or (B) provide services in connection with the selling, servicing, or handling of claims for flood insurance policies provided pursuant to this title. (3) Other penalties The penalties provided for in this subsection shall be in addition to any other civil or criminal penalty available under law. . 5. Enhanced policyholder appeals process rights (a) Establishment Part C of chapter II of the National Flood Insurance Act of 1968 ( 42 U.S.C. 4081 et seq.), as amended by the preceding provisions of this Act, is further amended by adding at the end the following new section: 1350. Approval of decisions relating to flood insurance coverage (a) In general The Administrator shall establish an appeals process to enable holders of a flood insurance policy provided under this title to appeal the decisions of their insurer, with respect to the disallowance, in whole or in part, of any claims for proved and approved losses covered by flood insurance. Such appeals shall be limited to the claim or portion of the claim disallowed by the insurer. (b) Appeal decision Upon a decision in an appeal under subsection (a), the Administrator shall provide the policyholder with a written appeal decision. The appeal decision shall explain the Administrator’s determination to uphold or overturn the decision of the flood insurer. The Administrator may direct the flood insurer to take action necessary to resolve the appeal, to include re-inspection, re-adjustment, or payment, as appropriate. (c) Rules of construction This section shall not be construed as— (1) making the Federal Emergency Management Agency or the Administrator a party to the flood insurance contract