; (4) the determination that a policyholder was truly derelict as described in paragraph (2) is a high bar to meet; and (5) the evaluation of whether a policyholder was truly derelict as described in paragraph (2) shall be made in light of the behavior that could reasonably be expected from a survivor in the aftermath of a particular flood event, which may include a natural disaster, given the challenges facing a policyholder in that situation, including— (A) difficulty in inspecting or maintaining the property; (B) the need to address other, more immediate priorities, including the health and well-being of the policyholder and his or her family, preservation of basic items, displacement, shock, and other issues that make inspection and mitigation a near-term challenge; and (C) difficulty in finding qualified experts during the surge of demand following a flood. 404. Appeal of decisions relating to flood insurance coverage (a) Extension of deadline To file appeal; enforcing deadline for FEMA To resolve appeal; optional arbitration for appeals Section 1312 of the National Flood Insurance Act of 1968 ( 42 U.S.C. 4019 ) is amended by adding at the end the following: (d) Appeal of decisions relating to flood insurance coverage (1) In general The Administrator shall, by regulation, establish an appeals process through which holders of a flood insurance policy may appeal the decisions, with respect to claims, proofs of loss, and loss estimates relating to such flood insurance policy, of any— (A) insurance agent or adjuster, or insurance company