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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.

  • 911 Event

    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 .

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

Alabama Independent Adjuster Requirements

CADO Admin
/ Categories: Adjuster Licensing

Source: ALDOI

Initial Licensing Process

Alabama Residents:

  • Must have completed the 20 or 40 hour prelicensing course and passed the state exam.
  • Applicant must apply online. Click Here.
  • License fee of $110 will be accessed along with a NIPR transaction fee of $5.00.
    A $5.00 NIPR transaction fee will be charged for each initial and renewal transaction on top of the required state fee, for all license types. NIPR FEES ARE NON-REFUNDABLE.
  • To change/add a designated adjuster click here. (Form AL-DP-1)
  • Click Here to print your license.
  • Initial individual Independent Adjuster license is effective until biennial renewal would be due. Individual adjusters renew their license based on their birth month and birth year, odd or even. See Adjuster Renewal Process for details.
Non-Residents:

Effective 9-8-2014:
Residents from California, Hawaii and New York applying for a Non-Resident Independent Adjuster license must take the appropriate prelicensing course and pass the Alabama exam based upon their respective states requiring our residents to take an exam under NAIC Reciprocity.
Residents from New Mexico applying for a Non-Resident Independent Adjuster license must take the prelicensing course and Alabama exam based upon the Alabama Adjuster law.

Effective 1-1-2015:
Any non-resident individual choosing Alabama as their Designated Home State for the Independent Adjuster license must take the appropriate prelicensing course and pass the appropriate Alabama Adjuster exam and complete the fingerprinting requirements.

(the above comes from the ALDOI website)

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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

Affordable Aerial Roof & Wall Measurements

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...
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NFIP FACTS AND STATISTICS

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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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Flood Discussions