2020 NFIP Adjuster Claims Presentation - 4/11/2020 UPDATE!

Source: NFIP Training Bulletins for Adjusters

2020 NFIP Adjuster Claims Presentations Webinar Registration Now Open The Federal Emergency Management Agency (FEMA) continues to monitor the guidance of the Centers for Disease Control and Prevention (CDC) as it relates to COVID-19. To mitigate the spread of COVID-19, the CDC is encouraging organizations to promote social distancing, hold meetings via videoconferencing, reduce non-essential travel, and adjust or postpone events and gatherings. Note from CADO Admin:  Based on...

National Flood Insurance Program (NFIP) Claims Manual - Updated

December 20, 2018 Revision

The Publication Date  of the most current manual is: December 20, 2018 The purpose of the NFIP Claims Manual is to improve clarity of claims guidance to WYOs, vendors, adjusters, and examiners so that policyholders experience consistency and reliability of service. The manual provides processes for handling claims from the notice of loss to final payment. All NFIP bulletins, other than those announcing Flood Insurance Claims Office numbers, Flood Response Office locations,...

Addendum to the NFIP Adjuster Claims Manual — Special Adjustment Issues: Fiberboard Sheathing/Blackboard

WYO Bulletin w-17065


On October 13, 2017, the National Flood Insurance Program (NFIP) updated the NFIP Adjuster Claims Manual by adding an addendum providing additional guidance on special adjustment issues surrounding perimeter wall sheathing. The addendum expands upon and replaces existing guidance found at Paragraph P of Section VIII of the NFIP Adjuster Claims Manual.

Special Adjuster Fee Schedule for Claims with a Date of Loss on or after August 24, 2017, through November 30, 2017

Source: Bulletin W-17045

CADO Admin
Hurricanes Harvey and Irma caused widespread flooding in Texas, Louisiana, the U.S. Virgin Islands, Puerto Rico, Florida, and the southeast United States. Due to the catastrophic impacts of these hurricanes and the increased demand for flood insurance adjusters, the Federal Emergency Management Agency (FEMA) is increasing the amount it will pay to adjust flood insurance claims. The entire insurance industry is searching for qualified individuals to join the ranks of claims adjusters to...

NFIP Summary of Coverage

Source: FEMA F-679 / November 2012

This document was prepared by the National Flood Insurance Program (NFIP) to help you understand your flood insurance policy. It provides general information about deductibles, what is and is not covered by flood insurance, and how items are valued at the time of loss. This document is based on the Standard Flood Insurance Policy Dwelling Form, which is used to insure one-to-four-family residential buildings and single-family dwelling units in a condominium building. 

New Guidelines for NFIP Adjusters

FEMA Bulletin w-16005 – Authorized NFIP Adjusters and 2016 NFIP Claim Presentations

CADO Admin

A note about the use of the term “Authorized NFIP Adjuster” rather than “Certified NFIP Adjuster”: It is FEMA’s position that certification requires a more formal course of study and the successful passing of a series of examinations before certification is awarded, such is the case with Certified Public Accounts. Also, the FCN will now be referred to as the Flood Control Number.

NFIP Training Available Online

The NFIP offers free online courses in basic and advanced flood insurance topics through the FEMA Emergency Management Institute. NFIP Training courses are free and open to anyone. Click on a link below to begin your self study course. 


(note: we first posted this in December of 2015, but it was deleted in error)

NFIP Coverage Comparison as of December 31, 2000

Comparison of the NFIP Dwelling Form, General Property Form and the RCBAP form

This chart shows provides a coverage comparison of the following NFIP policies.  The Three Policy Forms  There are three policy forms – Dwelling Form, the General Property Form, and the  Residential Condominium Building Association Policy. Each is used to insure a different type  of property. All, however, contain certain terms and condition (e.g., Mortgage Clause,  Reformation of Coverage) that are unique to flood insurance.   source: NFIP


CADO Admin
Description: NFIP Facts and Statistics provided by  the  Insurance Information Institute
URL: http://www.iii.org/media/facts/statsbyissue/flood/

Policy: NFIP Residential Condominium Building Association Policy

CADO Admin
Subject: Policy: NFIP Residential Condominium Building Association Policy Description:  NFIP Residential Condominium Building Association Policy Quote From FEMA "The Residential Condominium Building Association Policy Form may be issued to condominium associations to insure eligible residential condominium buildings. In participating NFIP Regular Program* communities only, provides building coverage and, if desired, coverage of commonly owned contents for residential...

Policy: General Property Form

CADO Admin
Subject: Policy: General Property Form Description:  NFIP General Property Form Quote from FEMA;      The General Property Policy Form may be issued to owners or lessees of non-residential buildings or units, or residential condominium buildings that are uninsurable under the RCBAP. In communities participating in the NFIP Regular Program* or Emergency Program** the General Property Policy provides building and/or contents coverage for these and...

Policy: NFIP Dwelling Form

CADO Admin
Subject: Policy: NFIP Dwelling Form Description:  Quote from FEMA; The Dwelling Policy Form may be issued to homeowners, residential renters and condominium unit-owners, owners of residential buildings containing two to four units. In communities participating in the NFIP Regular Program* or Emergency Program** the dwelling policy provides building and/or contents coverage for: Detached, single-family, non-condominium residence with incidental occupancy...

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 Management Agency (FEMA) has revised the NFIP Adjuster Fee Schedule for claims with dates of loss on or after August 24, 2017. Both the NFIP System of Record (SOR) systems and WYOs will need to make system updates to account for the new fee schedule.  Note: the above is from the Bulletin.

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