911 Event
CADO Flood\NFIP Support Page

This page provides information and resources related to the handling of flood claims.

Some Flood Events

HURRICANE KATRINA, Aug-2005 Number of Paid Flood Losses - 166,790, amount paid - $16,257,744,061.

SUPERSTORM SANDY, Oct-2012, Number of Paid Flood Losses - 132,360, amount paid - $8,804,242,152

HURRICANE HARVEY, Sep-2017, Number of Paid Flood Losses - 76,257, amount paid - $8,908,547,689, Source: FEMA

Colorado Flooding

Renewing/Obtaining Flood Control Number

Adjusters seeking to maintain their active registered status must attend an NFIP Claims Presentation each calendar year. Use the read more link for information about the qualification process or to contact the Bureau & Statistical Agent. Source: NFIP .

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National Flood Insurance Program (NFIP) Claims Manual

Links to the current edition and previous editions of the NFIP Claims Manual.
Effective May 1 2020
Effective June 1, 2019
Effective August 30, 2018
Effective September 2, 2013
The "read more" link will take you to the source the manuals.

read more

NFIP Fee Schedule

You can check current edition and previous editions of the NFIP Claims Manual for the Adjuster Fee Schedule that applies.  It's based on the Date of Loss. The current edition has an Effective May 1, 2020. Section 9.7 of the current Addition, NFIP Fee Schedule, Adjusters may bill based on the current NFIP Adjuster Fee Schedule: • Current Adjuster Fee Schedule effective August 24, 2017 (See Appendix A) • For ICC claims, use the ICC fee schedule effective September 1, 2004 (See Appendix f.

Fee Schedule

NFIP Adjuster Claims Presentation Schedule

«September 2020»
CADO Admin
/ Categories: NFIP

NFIP Information for Claims Adjusters


Here is a list of some of the resources for adjusters that can be found on the NFIP site. 

Last Updated: 8/29/2020 Notice: FEMA has made a lot of changes to their website so the links made return a 404 Error page not found, we are working to update all of the links and info and hope to have done asap.


  1. Adjuster Authorization
    1. Qualified applicants applying for a National Flood Insurance Program (NFIP) Adjuster Authorization are granted a Flood Control Number (FCN) through the Adjuster Authorization process administered by the NFIP Bureau & Statistical Agent on behalf of FEMA.
  2. Adjuster Certification and Workshops
  3. Adjuster Certification Application Takes you to a pdf that can be downloaded
  4. Adjuster Fee Schedule- For claims with a DOL after 8-24-2017
  5. Adjuster Claims Manual
  6. Adjuster Preliminary Damage Assessment Form 
    FEMA Form 086-0-20: This form is used by adjusters to list potentially substantial damaged structures in preparation for possible ICC claims.
    pdf form that can be downloaded.
  7. Claims Handbook
  8. Claims Adjuster Forms
  9. National Flood Insurance Program Terminology Index
  10. Disaster Support Resources, Post Hurricane Information
  11. Flood Disaster Offices
  12. Steps For the Assignment of Coverage D - Increased Cost of Compliance Coverage
  13. Summary of Coverage 

Click here to go to their site.




(Source: Section II of the NFIP Adjuster Claims Manual)


"The Federal Emergency Management Agency (FEMA) requires all independent adjusters who adjust flood losses for the National Flood Insurance Program (NFIP) to be NFIP flood certified. They must attend a NFIP claims presentation annually in order to maintain their active status of certification.

The National Flood Insurance Program (NFIP) Bureau and Statistical Agent is required to maintain a database of independent adjusters who qualify to adjust flood claims under policies issued by the NFIP Direct and the Write Your Own (WYO) carriers who utilize the services of the independent adjusting community. The qualifications reflect that the NFIP, like many other insurers, has its own distinct characteristics concerning coverage and adjusting requirements.

The adjuster database is designed to reflect by Flood Certification Number or other means that the approved adjuster has attended regular or special workshops that are held throughout the country. An adjuster may also attend a FEMA-recognized approved claims presentation conducted by independent adjusting firms or WYO Companies to maintain their active certification status. The records reflect the adjuster’s name and the date and location of the workshop.

The purpose of these workshops is to keep the adjusting community current with claims procedures and guidance required for adjusting losses under the three forms of the Standard Flood Insurance Policy-the Dwelling Form, the General Property Form, and the Residential Condominium Building Association Policy (RCBAP). For this reason, all independent adjusters who wish to be certified must submit the Adjuster Certification Application. WYO Company staff adjusters should be guided by their particular company’s procedures. "

. . .


"FEMA recognizes that specialized knowledge is required in order for the adjuster to properly adjust NFIP losses. Adjusters must know the differences between the Standard Flood Insurance Policy (SFIP) and private industry property insurance forms. They must know interpretations of coverage made by FEMA and the unique reporting requirements of the NFIP. Accordingly, FEMA has made it a contractual requirement for the NFIP Bureau and Statistical Agent to maintain a list of adjusters who are authorized to handle NFIP losses.

The requirement that independent adjusters be certified by the NFIP applies to all independent adjusters seeking to handle flood losses. FEMA also encourages, but does not require staff adjusters handling WYO claims to be certified by the NFIP Bureau and Statistical Agent. The WYO companies are free to choose whatever adjusters they wish, either, staff adjusters or  independent adjusters, to adjust their flood losses and are likewise free to establish any related qualifications or requirements for adjusters. A WYO staff adjuster handling a direct loss assigned under the Single Adjuster Program (SAP) is not required to submit an application for NFIP certification. In this case, WYO staff adjusters are deemed certified to handle SAP claims by virtue of their being staff adjusters for a WYO Company and that the WYO Company  assigned the claim. (For further discussion of this situation, see Single Adjuster Program and Claims Coordinating Office in Subsection III. B. of this manual, page III-2.) Independent adjusters must be flood certified in order to adjust losses under the SAP. "

. . .

The excerpts above come from Section II of the NFIP Adjuster Claims Manual, Section II contains 8 pages, you can use the link below to review of the complete document. Section II starts on page 13 of the pdf.


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Additional Resources

NFIP Training Available Online

The NFIP offers free online courses in basic and advanced flood insurance topics through the FEMA Emergency Management Institute. NFIP...

NFIP Dwelling Form

CADO Admin
Subject: Policy: NFIP Dwelling Form Description: Quote from FEMA; The Dwelling Policy Form may be issued to homeowners,...

NFIP Fee Schedule

NFIP Adjuster Fee Schedule – 2017 Revision

CADO Admin
NFIP Adjuster Fee Schedule – 2017 Revision Bulletin Number WYO Program Bulletin - W-17026 Date 09/01/2017 The Federal Emergency...

Need Flood Adjusters

Need Flood Adjusters? Click here to see those that report they are NFIP Certified  Adjusters please check and update your information if needed.

Below is a link to a FEMA page that provides reposts and on there is report that can be downloaded which provides flood insurance losses per state.The table on that page includes open claims, closed claims, and claims closed without payment.

Forum Discussions

Flood Adjuster Survey
To All Flood Adjusters. Please take the time to take a 15 question survey by Flood Professional Claims Association. YOUR participation is APPRECIATED. Please click the link below: FloodPCA Survey

Posted: 12/01/2016 10:24 AM
Replies: 1

Flood Adjuster Qualifications Question?
I've heard there's a "number of years waiver" for former military personnel. The number of years is 4 consecutive, I've heard the military waiver makes it 1 year. Does anyone know if this is true.

Posted: 03/20/2014 4:58 AM
Replies: 4

Flood related to fires
At my last NFIP certification class the instructor mentioned something about floods that are related to fires, he flashed something on the screen, maybe it was a new rule or guideline and he seemed to say something to the effect that nobody knows or ever heard of such a thing so let's go to the next

Posted: 02/28/2014 7:59 PM
Replies: 5

Flood Macros for Xactimate
Anyone have flood macros for Xactimate?  I'm working in Long Island and it would save me so much time if I had good macros.

Posted: 11/30/2012 8:59 AM
Replies: 4

Flooding in Florida
I have received some assignments in SE Florida.  Just curious to see how much flooding happened.  Anyone else working assignments in Broward or Dade counties?

Posted: 11/02/2011 3:24 AM
Replies: 1

Lookinf for an "Old" FEMA Flood Adjuster Claims Manual
Does anyone out there have a PDF copy of the old FEMA/NFIP Adjuster Claims Manual?  It is the one with the cover photo of the male field adjuster taking notes.  If you have one, please send it to john.postava@simsol.com.

Posted: 07/06/2011 5:18 AM
Replies: 5

Post Diaster Accessment or PDA
FEMA sends out PDA's to access damages after an event.  Has anyone worked in this position and if so how do you get to the people that hire for these positions?

Posted: 02/03/2011 3:02 PM
Replies: 10

Whistleblower lawsuit filed against insurance companies is thrown out
 A federal judge in New Orleans threw out the whistleblower lawsuits against Allstate Insurance Co. and other insurers alleging that they forced the U.S. government to pay inflated claims through the National Flood Insurance Program after Hurricane Katrina. ... Since being filed in 200

Posted: 01/26/2011 3:13 PM
Replies: 0

Revised form of the Proof of Loss required use by the NFIP Direct Servicing Agent
   FEMA revised the Proof of Loss and Increased Cost of Compliance Proof of Loss forms (specimen copies attached) used by the NFIP Direct Servicing Agent. The revised forms meet the SFIP’s “sworn to” requirement by complying with 28 U.S.C. § 1746, that allows specific unsworn

Posted: 01/26/2011 2:30 AM
Replies: 0

ATEC National Flood Services Certification ?????
NADO, ATEC (Adjuster Training and Education Centers) is advertising a certification requirement class for National Flood Services* this year. (www.atecgroup.org) along with some other carriers.  I've contacted vendors working claims regularly for NFS and they were not aware of any such requirem

Posted: 01/22/2011 7:25 AM
Replies: 11

Structural Forensic Engineers & Damage Assessments