The Publication Date of the most current manual is: December 20, 2018
The purpose of the NFIP Claims Manual is to improve clarity of claims guidance to WYOs, vendors, adjusters, and examiners so that policyholders experience consistency and reliability of service. The manual provides processes for handling claims from the notice of loss to final payment.
All NFIP bulletins, other than those announcing Flood Insurance Claims Office numbers, Flood Response Office locations, claims adjuster briefings, and current/future program changes, are superseded by this manual and of no further effect.
On October 13, 2017, the National Flood Insurance Program (NFIP) updated the NFIP Adjuster Claims Manual by adding an addendum providing additional guidance on special adjustment issues surrounding perimeter wall sheathing. The addendum expands upon and replaces existing guidance found at Paragraph P of Section VIII of the NFIP Adjuster Claims Manual.
Information on the CEA Condominium Policy
On this page you can download a sample of the policy,
(note: we first posted this in December of 2015, but it was deleted in error)
This post comes from the forum that we had during the years 2004 -2006. We lost the forum but not the data. The discussion below is related to the killing of an adjuster doing her job 10 years ago on this date,
This chart shows provides a coverage comparison of the following NFIP policies.
The Three Policy Forms
There are three policy forms – Dwelling Form, the General Property Form, and the
Residential Condominium Building Association Policy. Each is used to insure a different type
of property. All, however, contain certain terms and condition (e.g., Mortgage Clause,
Reformation of Coverage) that are unique to flood insurance.
My son is now ready to go to college away from home and excluding approximately 21 months in an attempt to try something different in my life as a "financial planner", I have been adjusting, supervising or investigating claims for almost 27 years. By the way, I have worked my share of hail, wind, tornado and hurricane cats for other carriers so I know from whence I speak. Even during the time while I was trying to become a "financial planner", I supplemented my income with adjusting temp jobs and contract adjusting work.
(photo from the CADO Gallery)