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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

Click here for Appendices for the NFIP Claims Manual

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

Current Claims Manual Effective 6/29/2023

Effective October 1, 2021
Table of Changes to the 10-2021 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, please check the Claims Manual section on that page,

read more
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 .

read more
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 Training Available Online

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/ Categories: Flood, NFIP

The information comes the FEMA Email Bulletin.

 

Adjuster Courses

NFIP Claims Review for Adjusters
New and experienced adjusters seeking the necessary knowledge and skill to adjust claims for the NFIP will find NFIP Claims Review for Adjusters, formerly a 7-hour classroom presentation, essential for adjusting NFIP claims. This course defines the role, standards, and necessary requirements to adjust claims within the NFIP. In addition, it offers an overview of the Standard Flood Insurance Policy through a step-by-step outline of the similarities and contrasts found in the Dwelling Form, General Property Form, and the Residential Condominium Building Association Policy. With a focus on providing excellent customer service, this course also identifies common errors and adjustment issues where special attention is needed to ensure a high level of quality in the claims settlement process.

Adjuster Customer Service
Adjusters are among the first responders to interact with policyholders after a flood and therefore play a critical role in representing the NFIP. Due to the traumatic nature of a flooding event, adjusters must create and maintain a customer-centric focus during each interaction with the policyholder. Adjuster Customer Service provides guidance on using empathy, sincerity, friendliness, and other skills to communicate effectively with policyholders. The course reviews the attributes of excellent customer service and aids the adjuster in building positive rapport with each policyholder.

Introduction to Flood Claims
NFIP flood losses and loss settlements are particularly specialized. To adjust NFIP claims, a flood adjuster must be qualified and must complete the process of becoming an NFIP certified adjuster. NFIP adjusters achieve levels of authority based on flood adjusting experience and knowledge of the Program. Introduction to Flood Claims provides an overview of adjusting NFIP claims and reviews the NFIP Standard Flood Insurance Policy.

Understanding Basement Coverage
Due to coverage limitations, adjusting claims in buildings with basements can be challenging. Understanding Basement Coverage reviews key characteristics of basement buildings and discusses covered and non-covered building and personal property items located in basement buildings. The course concludes with a review of special adjustment issues.

Introduction to Commercial Claims
Introduction to Commercial Claims reviews the General Property Form as it relates to both small and large commercial claims, and provides a review of certification requirements, adjuster authority, documentation requirements, and adjustment standards and requirements. Knowledge in each of these areas is fundamental to meeting Program requirements for flood adjusters. The course presents two case studies that reflect real world flood adjusting experiences and challenge the learner to apply flood adjusting concepts involving policy limits, reserve estimating, and coverage restrictions.

 

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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

Follow these links to see all WYO Bulletins and to check on new Bulletins: 2024 | 2023 | 2022 | 2021
 

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.

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

Flood Adjuster Capacity Program Manual

This manual has publish date of July 2019, here is a summary from the manual.

"FEMA is dedicated to increasing the nation’s disaster resiliency. To this end, FEMA’s NFIP is working hard to increase the number of households and businesses that are protected by flood insurance. As the flood insurance policy count grows, FEMA will need to maintain a high level of customer satisfaction throughout the claims process. To make this possible, FEMA has initiated the Flood Adjuster Capacity Program (FACP) and is partnering with WYO Companies, independent adjusting firms, and individual adjusters to increase the number of claims adjusters who are trained and available to help NFIP policyholders after flood events. The FACP will work to strengthen and enhance recruitment, training and professional development for claims adjusters nationwide."

Here is a link to the manual

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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 FACTS AND STATISTICS

Subject: NFIP FACTS AND STATISTICS Description: NFIP Facts and Statistics provided by  the  Insurance Information...

NFIP Dwelling Form

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

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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