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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

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,

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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 Adjuster Claims Presentation Schedule

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Expedited Claim Handling Billing Grace Period Procedures for California Wildfires

CADO Admin
/ Categories: DOI

Source: California DOI

From the Press Release;

Commissioner Jones issues emergency notice to help expedite claims in California fires

SACRAMENTO, Calif. – Insurance Commissioner Dave Jones today issued a notice to insurers requesting they agree to expediting claims handling for Camp and Woolsey wildfire survivors in order to help them begin the recovery and rebuilding process more quickly.

With nearly 8,000 homes destroyed in both fires and up to 50,000 still at risk in the Woolsey Fire, thousands of residents face the long and painful task of recovery, which often includes trying to reconstruct destroyed or missing documents. 

In an effort to speed recovery, Commissioner Jones is asking insurers to agree to claims handling procedures to bring more timely payments to policyholders and provides greater flexibility with some deadlines and documentation typically required by insurers.

  • The notice addresses the following
    • Additional Living Expenses (ALE)
    • Personal Property (Contents)
    • Vehicle Claims
    • Billing 
    • Debris Removal 
    • Inventory Forms: Insurers should agree to accept home inventory software (or paper alternative) currently available to the public by IINC or the CDI (or other reasonable forms), without a requirement of using company-specific inventory forms. Insurers would not be required to waive their rights to seek additional information upon receipt of an inventory form from an insured.
    • Inventory Itemization: Insurers should agree to accept reduced itemization of contents in wildfire total losses. In some cases it is appropriate for inventories to allow grouping of categories of personal property, such as allowing a listing of "100 DVDs" instead of requiring a list of specific titles.


Please see the Notice for details.

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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:  2023 Bulletins | 2022 Bulletins | 2021 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

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

Adjuster Estimates

Additional Resources


NFIP Training Available Online

Roy
The NFIP offers free online courses in basic and advanced flood insurance topics through the FEMA Emergency Management Institute. NFIP...

NFIP Dwelling Form

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

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