; transparency. TITLE IV—Claims process reform Sec. 401. Earth movement clarification. Sec. 402. Treatment of basements. Sec. 403. Mold damage clarification. Sec. 404. Appeal of decisions relating to flood insurance coverage. Sec. 405. Accountability for underpayments by Write Your Own companies. Sec. 406. Policyholder right to know. Sec. 407. Increasing statute of limitations for lawsuits. Sec. 408. Attorney fee shifting. Sec. 409. DOJ defense against policyholder lawsuits. Sec. 410. Study on participation rates. Sec. 411. Federal Flood Insurance Advisory Committee. Sec. 412. Authority to terminate contractors and vendors. Sec. 413. Easing proof of loss requirements. Sec. 414. Elevation certificates. Sec. 415. Monthly installment payment for premiums. Sec. 416. Pilot program for pre-existing structural conditions. Sec. 417. Deadline for claim processing. Sec. 418. Engineer oversight and certification. Sec. 419. Engineer reports. Sec. 420. Improved training of agents and adjusters. Sec. 421. Agent Advisory Council. Sec. 422. Efficient use of mitigation dollars. Sec. 423. Improved disclosure requirements. Sec. 424. Amendments to Financial Assistance/Subsidy Arrangement. Sec. 425. Technical and conforming amendments. 3. Definitions In this Act— (1) the term Administrator means the Administrator of the Federal Emergency Management Agency; (2) the term National Flood Insurance Fund means the fund established under section 1310 of the National Flood Insurance Act of 1968 ( 42 U.S.C. 4017 ); (3) the term National Flood Insurance Program means the program established under the National Flood Insurance Act of 1968 ( 42 U.S.C. 4001 et seq.); (4) the term National Flood Mitigation Fund means the fund established under section 1367 of the National Flood Insurance Act of 1968 ( 42 U.S.C. 4104d ); (5) the term Standard Flood Insurance Policy means the policy set forth in Appendix A to part 61 of title 44, Code of Federal Regulations