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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

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 Adjuster Claims Presentation Schedule

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Atmospheric River Brings Dangerous Flash Flooding and Heavy Mountain Snow to Central and Southern California

Roy
/ Categories: News, Storms

Source: National Weather Service

Short Range Forecast Discussion
NWS Weather Prediction Center College Park MD
300 AM EST Mon Feb 05 2024

Valid 12Z Mon Feb 05 2024 - 12Z Wed Feb 07 2024

...Life threatening Flash Flooding continues for Southern California Monday...

...Heavy Snow for parts of the Sierra Nevada, Great Basin, Northern Rockies, and Four Corners Region...

...Much above average high temperatures continue for the Northern/Central Plains and Upper Midwest...

The threat for flash flooding centers on Southern California Monday as a deep upper-level trough/Pacific storm system and associated Atmospheric River slowly pivots along the West Coast and pushes further inland. Ongoing showers and thunderstorms will continue to produce very heavy rainfall fueled by the influx of anomalously high moisture, favorable upslope flow, and increasing instability. A High Risk of Excessive Rainfall (level 4/4) is once again in effect Monday for portions of the LA Basin and the eastern Transverse Ranges, with an encompassing Moderate
Risk (level 3/4) extending westward along the Transverse Ranges and southward along the Peninsular Ranges. Additional rainfall totals generally between 5-8" will be possible, which will bring 48-totals as high as 8-14" for some locations. Increasingly saturated conditions and ongoing flooding will be further exacerbated by this additional rainfall, continuing the threat for life-threatening, locally catastrophic flash, urban, and small stream flooding, as well as a threat for debris flows and mudslides. A Slight Risk remains in effect for lingering locally heavy rainfall northwestward towards the central California coast, and also into portions of the Mojave Desert. In addition, some strong gusty winds will remain possible, though wind speeds/gusts should be trending downward overall. Coastal flooding and high surf will also remain a concern through Monday evening.

Very heavy mountain snows will continue for higher elevations of the Sierra Nevada, generally above 5000 feet, with storm total snowfall of several feet expected. Snowfall rates of 2-3"/hr and gusty winds upwards of 60 mph will keep travel dangerous to impossible due to whiteout conditions. Moisture from the system will also continue to spread further inland, bringing heavy higher elevation snows to the regional mountain ranges of the Central Great Basin of Nevada northeastward into portions of the Northern Rockies of Idaho and Wyoming Monday, and into the Four
Corners region Tuesday. Storm total snowfall of around foot will be common, with some locally higher totals of 2+ feet possible. Lower elevations of the Great Basin will see a mix of rain and some snow, but any snow accumulations should be limited. Further south into the Desert Southwest, the ongoing influx of moisture will lead to heavier rainfall Tuesday, with a Slight Risk of Excessive Rainfall in effect for portions of western Arizona and Southern Nevada. Rainfall totals generally between 1-3" may lead to some scattered instances of flash flooding.

Elsewhere, some moderate to locally heavy showers are expected further north from Northern California into the Pacific Northwest as the Pacific system pushes inland. Some showers and thunderstorms will remain possible for portions of Florida and northeastward along coastal Georgia and South Carolina as a low pressure system pushes away from the coast. The rest of
the central and eastern U.S. should remain dry. High temperatures will remain anomalously warm for the Northern/Central Plains and Upper Midwest as upper-level ridging remains in place. High temperatures in the 40s and low 50s are upwards of 20-30 degrees above average. Some daily record-tying/breaking high temperatures will be possible for the Upper Midwest on Tuesday. Highs temperatures generally from the Rockies to the Northeast will be above average and mild.  

Putnam

 

Here is a link to the full Forecast Discussion on NWS wbesite; http://www.wpc.ncep.noaa.gov/discussions/hpcdiscussions.php?disc=pmdspd

 

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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

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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,...

Flood Discussions

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