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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 .

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

Wyoming Adjuster Licensing Information

CADO Admin
/ Categories: Adjuster Licensing
Wyoming Adjuster Licensing Information

Source: Wyoming Department of Insurance

WYOMING RESIDENTS

Anyone 18 years old or older can apply for an insurance license. The steps you need to follow if you are a Wyoming resident are:

    Pass the Wyoming Insurance Adjuster Licensing Exam
    *NOTE: If you are applying to be a crop insurance adjuster you may bypass the exam if you hold a CAP certification

    Apply for your license and pay the licensing fees
    *Providing all available documents regarding any administrative actions or criminal convictions you may have will shorten the time necessary for review of your application.  In most circumstances, a license may be granted even if you have felony convictions.  However, additional documentation and written permission from the Commissioner will be necessary for certain felony convictions.  

    Get your fingerprints taken and sent to the Department for a background check (A fingerprinting packet will be mailed to you after you have applied)

NON-RESIDENTS

If an adjuster has a resident address in a state which offers adjuster licensing, Wyoming will reciprocate the resident license and grant a non-resident license with the same lines of authority as the resident state license. If the lines of authority held in the licensee's home state grant less authority than the property, casualty, or crop lines of authority Wyoming will not reciprocate.

If the applicant is unable to obtain an acceptable license in their home state they may apply using a Designated Home State license from a state that would meet the following requirements:

    The applicant must pass an exam prior to licensure

    A fingerprinted background check is completed

    A minimum of 24 hours of continuing education is completed every 2 years, with a minimum of 3 hours of ethics.

The Department is in the process of compiling a list of acceptable DHS state licenses.

DESIGNATED HOME STATE LICENSING

Wyoming offers a designated home state license that is accepted in all US states. The process for obtaining a DHS license is as follows:

    Pass the Wyoming Designated Home State Adjuster exam

    Apply for your license and pay the licensing fees
    *Providing all available documents regarding any administrative actions or criminal convictions you may have will shorten the time necessary for review of your application.  In most circumstances, a license may be granted even if you have felony convictions.  However, additional documentation and written permission from the Commissioner will be necessary for certain felony convictions.  

    Get your fingerprints taken and sent to the Department for a background check. (A fingerprinting packet will be mailed to you after we receive your application.)

Source for the information above is the Wyoming Department of Insurance

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DOIWyoming

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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.

 
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

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

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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