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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 .

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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

Hawaii Declaration from the State Insurance Commissioner regarding assistance of nonresident independent adjusters due to fires across the state

CADO Admin
/ Categories: News, DOI, Fire Claims

The info below is from the Declaration Posted on Aug 9, 2023;

"Pursuant to Hawaii Revised Statutes (“HRS”)§ 431:9-201(b), Insurance Commissioner Gordon I. Ito is issuing this declaration authorizing temporary assistance of nonresident independent adjusters due to fires across the State. The Insurance Commissioner has decided to allow nonresident independent adjusters to operate in the State temporarily to help handle the amount of work due to the fires. The Insurance Commissioner wants to ensure that adjusters and insurance companies can and will timely respond to property owners’ needs.

HRS § 431:9-201(b) allows nonresident independent adjusters to operate in Hawaii without a license for up to one-hundred-twenty days from the date of registration provided that:

  1. The nonresident adjuster provide a copy of the adjuster’s current license in another state that has licensing requirements substantially similar to HRS § 431:9-222; and
  1. Within three working days of the commencement of work by a nonresident adjuster, an insurance company, independent adjusting company, or producer that is using a nonresident adjuster shall provide on its letterhead to the Insurance Commissioner:

a. The name of the nonresident adjuster;
b. The nonresident adjuster’s Hawaii mailing and business addresses and phone numbers; and
c. The nonresident adjuster’s permanent home and business addresses and phone"

...

A link to the complete News Release is listed below.

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DOIHawaiiLicensingFire Claims

More links

  • The complete Declaration
    DECLARATION FROM THE STATE INSURANCE COMMISSIONER REGARDING ASSISTANCE OF NONRESIDENT INDEPENDENT ADJUSTERS DUE TO FIRES ACROSS THE STATE

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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

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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...
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NFIP FACTS AND STATISTICS

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

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