; or (2) the property being assessed. (e) Mandatory reporting An insurance company participating in the Write Your Own program which knows, upon or before submitting to the Administrator a claim for damages under flood insurance coverage made available under this title, of a violation of the independence standards under this section, may not submit such a claim unless the insurance company includes, together with such claim, a certification that the violation involved does not materially mistake the value of the damages and documentation to support such claim. . 11. GAO reports (a) Report on effects of global warming on flood insurance program solvency Not later than the expiration of the 18-month period beginning on the date of the enactment of this Act, the Comptroller General of the United States shall submit to the Congress a report analyzing the effects of global warming on the fiscal solvency of the National Flood Insurance Program. (b) Report on WYO companies The Comptroller General of the United States shall conduct a study of claims under flood insurance coverage provided through insurance companies participating in the Write Your Own program of the National Flood Insurance Program pursuant to losses resulting from Hurricane Sandy of 2012, which shall determine— (1) how much profit such insurers made pursuant to such claims; (2) how many of such claims were made and processed; and (3) the amount of each such claim that was approved and paid. Not later than the expiration of the 12-month period beginning on the date of the enactment of this Act, the Comptroller General shall submit a report to the Congress regarding the conclusions of the study conducted pursuant to this subsection. 12. Regulations Not later than the expiration of the 12-month period beginning on the date of the enactment of this Act, the Administrator of the Federal Emergency Management Agency shall issue regulations necessary to carry out this Act and the amendments made by this Act.