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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

    —— include information ...

    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 .

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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 Coverage Comparison as of December 31, 2000

Roy
/ Categories: Policies, NFIP

Comparison of the NFIP Dwelling Form, General Property Form and the RCBAP form

ITEM

DWELLING FORM

GEN. PROP. FORM

RCBAP

Additional Living Expenses

NO

NO

NO

Appurtenant Structures

YES; 10% of Building limit of liability can be applied to a qualifying detached garage at described location.

NO

NO

Awnings

ACV, if attached to bldg.

ACV, if attached to bldg.

ACV, if attached to bldg.

Building Fixtures

Listed

Listed

Listed

Carpeting

ACV; no overhead and profit

ACV; no overhead and profit

ACV; no overhead and profit

Construction Before Walled & Roofed

YES; two times the deductible

YES; two times the deductible

YES; two times the deductible

Debris Removal

YES

YES

YES

Decks

NO; limit of 16 sq. feet

NO; limit of 16 sq. feet

NO; limit of 16 sq. feet

Deductible

Applied separately to building and contents

Applied separately to building and contents

Applied separately to building and contents

Loss Avoidance Measures (Mitigation), Pre-Flood

Limited coverage, $1,000

Limited coverage, $1,000

Limited coverage, $1,000

Exterior Paint

YES

YES

YES

Fences

NO

NO

NO

Hot Tubs & Spas

YES, if they are bathroom fixtures

YES, if they are bathroom fixtures or stock

YES, if they are bathroom fixtures

Hurricane Shutters

YES

YES

YES

ICC

YES, except Emergency Program and Group Policy

YES, except Emergency Program

YES, except Emergency Program

Improvements & Betterments

YES; if tenant has personal property coverage, we cover cooking stove, range, and refrigerator. 10% of personal property coverage will cover other tenant-installed improvements.

10% of personal property coverage

Yes

Loss Assessments

YES

NO

NO

Loss of Rents

NO

NO

NO

Ordinance or Law

ICC only see Exclusion A.6

ICC only see Exclusion A.6.

ICC only see Exclusion A.6.

Pollutants

YES

YES, up to $10,000

YES

Power Failure

YES, if caused by flood on the described location

YES, if caused by flood on the described location

YES, if caused by flood on the described location

Replacement Cost, Building

YES, if insured to 80% of RC and insured lived at risk 80% of previous 365 days

NO

YES, with coinsurance provision

Replacement Cost, Personal Property

NO

NO

NO

Screened Porches

YES, unless below elevated floor (Post-FIRM)

YES

YES

Storage Sheds

NO

NO

NO

Stove & Refrigerator

Building ACV, if tenant’s contents

Building ACV, if tenant’s contents

Building ACV

Swimming Pools/Hot Tubs

NO

NO

NO

Temporary Repairs

NO

NO

NO

Trees

NO

NO

NO

Venetian Blinds

Building ACV

Building ACV

Building ACV

Walkways

NO

NO

NO

 

source: NFIP Claims Manual

 

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FloodNFIPTraining

More links

  • Summary of Coverage
    This document was prepared by the National Flood Insurance Program (NFIP) to help you understand your flood insurance policy. It provides general information about deductibles, what is and is not covered by flood insurance, and how items are valued at time of loss.
  • Adjusters Claims Manual
    NFIP web page with download links

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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.

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

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

SKETCHMYROOF Hurricane Helene

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...
Read more

NFIP FACTS AND STATISTICS

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

NFIP Dwelling Form

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

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...
Read more

Flood Discussions