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    CADO Flood\NFIP Support Page

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

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    Some information found on this page

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    On the National Flood Insurance Program (NFIP) Claims Manual
    On Renewing/Obtaining Flood Control Number
    NFIP Fee Schedule

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    Significant Flood Events include ...

    ——Source: NFIP

    Hurricane Katrina (2005) with 208,348 Paid Losses
    Hurricane Sandy (2012) with 114,846 Paid Losses
    Hurricane Harvey (2017) with 92,385 Paid Losses

Flood Damage

National Flood Insurance Program (NFIP) Claims Manual

The Standard Flood Insurance Policy Commentary is a quick reference document for claims professionals to find current NFIP guidance relevant to key provisions and concepts contained within the Standard Flood Insurance Policy.

Links to the current edition and previous editions of the NFIP Claims Manual. (PDFs)

Claims Manual (Effective June 1, 2025) 

Previous Manuals

This "read more" link will take you to the source the manuals, please check the Claims Manual section on that page,

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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Flooding

NFIP Fee Schedule

 9/29/2023 Update: FEMA has revised its NFIP Adjuster Fee Schedule. The revised NFIP Adjuster Fee Schedule will be effective on October 1, 2023, and is applicable to claims with dates of loss on or after October 1, 2023. The 2022 Increased Cost of Compliance (ICC) Fee Schedule was not revised. You can follow this link for the source of this update which is the WYO Company Bulletin W-23013

NFIP Information for Claims Adjusters

CADO Admin
/ Categories: NFIP, Flood

 

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

Last Updated: 8/10/2025

  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 Claims Manual The NFIP provides two types of Manuals, the Claims Manual "This manual improves clarity of flood insurance claims guidance to NFIP Write Your Own (WYO) companies, flood vendors, flood adjusters and examiners, so that policyholders experience consistency and reliability of service." and the Flood Insurance Manual, which is "used primarily by insurers and agents selling and servicing NFIP flood insurance." comments from the source.
  4. Claim Forms
    1. Here are some of the forms available on the FEMA page that the link takes you to;
    2. Adjuster’s Registration Application
    3. Adjuster Preliminary Damage Assessment
    4. Increased Cost of Compliance (ICC) Adjuster Report
    5. Manufactured (Mobile) Home/Travel Trailer Worksheet 
    6. Cause of Loss and Subrogation Report
    7. National Flood Insurance Program Narrative Report
    8. Adjuster’s Preliminary Report
    9. Adjuster’s Final Report
    10. Proof of Loss
    11. Worksheet - Building
  5. National Flood Insurance Program Terminology Index
  6. Steps For the Assignment of Coverage D - Increased Cost of Compliance Coverage (ICC) (pdf)
  7. What you need to know about buying flood insurance

  8. Handling Claims, When a flood happens, agents and their insurance carriers are often the first call a client will make to start their recovery process. 

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FEMA Press Releases

Here are some recent Releases

Here is a link to the FEMA Press Releases official website. The source of the releases above.

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.

WYO Company Bulletins

Source: The National Flood Insurance Program | FloodSmart | NFIPServices

The new website for WYO Bulletins is: https://agents.floodsmart.gov/flood-maps-and-data/bulletins

Flood Losses

Below is a link to a FEMA page that provides reports 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.

Flood Loss Stats
 
Below is another link that takes you to a page on the  Insurance Information Institute, Inc. website that provides Flood Statistics.
Facts + Statistics: Flood Insurance

Flood Adjuster Capacity Program Manual

NOVEMBER 2023 EDITION, here is a summary from the manual.

"FEMA and the NFIP do not hire, train, or assign claims to independent adjusters. However, FEMA must be prepared to provide for an extraordinarily large event or a succession of mid-sized events to ensure there are enough well-trained adjusters ready to provide exceptional customer service to NFIP policyholders. Because of this, FEMA initiated the FACP, setting minimum training standards designed to increase the number of adjusters who are trained in servicing NFIP flood claims. The FACP, by design, encourages the
NFIP Direct, WYO companies, and independent adjusting firms to jointly enhance the recruitment, training, and professional development of NFIP claim adjusters"

The above is from the manual. Here is a link to the manual - updated 8/10/25

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Additional Resources


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NFIP Dwelling Form

Subject: Policy: NFIP Dwelling Form Description: Quote from FEMA; The Dwelling Policy Form may be issued to homeowners,...
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NFIP Adjuster Fee Schedule

9/29/2023 Update:  "FEMA has revised its NFIP Adjuster Fee Schedule. The revised NFIP Adjuster Fee Schedule will be effective on October...
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