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National Flood Insurance Program (NFIP) Claims Manual - Updated

December 20, 2018 Revision

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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Office numbers, Flood Response Office locations, claims adjuster briefings, and current/future program changes, are superseded by this manual and of no further effect. 

Source: NFIP

Addendum to the NFIP Adjuster Claims Manual — Special Adjustment Issues: Fiberboard Sheathing/Blackboard

WYO Bulletin w-17065

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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.

Special Adjuster Fee Schedule for Claims with a Date of Loss on or after August 24, 2017, through November 30, 2017

Source: Bulletin W-17045

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Hurricanes Harvey and Irma caused widespread flooding in Texas, Louisiana, the U.S. Virgin Islands, Puerto Rico, Florida, and the southeast United States. Due to the catastrophic impacts of these hurricanes and the increased demand for flood insurance adjusters, the Federal Emergency Management Agency (FEMA) is increasing the amount it will pay to adjust flood insurance claims.

The entire insurance industry is searching for qualified individuals to join the ranks of claims adjusters to handle losses from Harvey, Irma, and future events. FEMA recognizes the specialized knowledge required to properly adjust NFIP losses. Adjusters must know the differences between the Standard Flood Insurance Policy (SFIP) and private industry property insurance forms. They must know interpretations of coverage made by FEMA and the unique reporting requirements of the NFIP. Accordingly, FEMA maintains a list of adjusters authorized to handle NFIP losses.

NFIP Summary of Coverage

Source: FEMA F-679 / November 2012

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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 the time of loss.
This document is based on the Standard Flood Insurance Policy Dwelling Form, which is used to
insure one-to-four-family residential buildings and single-family dwelling units in a condominium
building. 

New Guidelines for NFIP Adjusters

FEMA Bulletin w-16005 – Authorized NFIP Adjusters and 2016 NFIP Claim Presentations

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A note about the use of the term “Authorized NFIP Adjuster” rather than “Certified NFIP Adjuster”: It is FEMA’s position that certification requires a more formal course of study and the successful passing of a series of examinations before certification is awarded, such is the case with Certified Public Accounts. Also, the FCN will now be referred to as the Flood Control Number.

NFIP Training Available Online

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The NFIP offers free online courses in basic and advanced flood insurance topics through the FEMA Emergency Management Institute. NFIP Training courses are free and open to anyone. Click on a link below to begin your self study course. 

 

(note: we first posted this in December of 2015, but it was deleted in error)

NFIP Coverage Comparison as of December 31, 2000

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

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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.

source: NFIP

NFIP Adjuster Flood Manual 6-30-2010 Revision

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Subject: NFIP Adjuster Flood Manual 6-30-2010 Revision
Description
NFIP has revised the flood manual the revisions became Effective June 30th, 2010.  You can download the PDF's below.
 

URL: http://www.nfipiservice.com/nfip_docs.html
Source: NFIPiService.com
Site Section: NFIP

NFIP FACTS AND STATISTICS

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Subject: NFIP FACTS AND STATISTICS
Description: NFIP Facts and Statistics provided by  the  Insurance Information Institute
URL: http://www.iii.org/media/facts/statsbyissue/flood/

Policy: NFIP Residential Condominium Building Association Policy

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Subject: Policy: NFIP Residential Condominium Building Association Policy
Description

NFIP Residential Condominium Building Association Policy

Quote From FEMA "The Residential Condominium Building Association Policy Form may be issued to condominium associations to insure eligible residential condominium buildings.

In participating NFIP Regular Program* communities only, provides building coverage and, if desired, coverage of commonly owned contents for residential condominium building with 75% or more of its total floor area in residential use.

*Regular Program - The final phase of a community's participation in the National Flood Insurance Program. In this phase, a Flood Insurance Rate Map is in effect and full limits of coverage are available under the Act.

**Emergency Program -The initial phase of a community's participation in the National Flood Insurance Program. During this phase, only limited amounts of insurance are available under the Act."

Related Filef144rcbap_0809

Policy: General Property Form

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Subject: Policy: General Property Form
Description

NFIP General Property Form

Quote from FEMA; 

 

 

The General Property Policy Form may be issued to owners or lessees of non-residential buildings or units, or residential condominium buildings that are uninsurable under the RCBAP.

In communities participating in the NFIP Regular Program* or Emergency Program** the General Property Policy provides building and/or contents coverage for these and similar “other residential” risks:

  • Hotel or motel with normal guest occupancy of 6 months or more;
  • Apartment building;
  • Residential cooperative building;
  • Dormitory;
  • Assisted-living facility.

And non-residential risks:

  • Shop, restaurant, or other business;
  • Mercantile building;
  • Grain bin, silo, or other farm building;
  • Agricultural or industrial processing facility;
  • Factory;
  • Warehouse;
  • Poolhouse, clubhouse, or other recreational building;
  • House of worship;
  • School;
  • Hotel or motel with normal guest occupancy of less than 6 months;
  • Licensed bed-and-breakfast inn;
  • Retail;
  • Nursing home;
  • Non-residential condominium;
  • Condominium building with less than 75% of its total floor area in residential use;
  • Detached garage;
  • Tool shed;
  • Stock, inventory, or other commercial contents.

Policy: NFIP Dwelling Form

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Subject: Policy: NFIP Dwelling Form
Description

Quote from FEMA;

The Dwelling Policy Form may be issued to homeowners, residential renters and condominium unit-owners, owners of residential buildings containing two to four units.

In communities participating in the NFIP Regular Program* or Emergency Program** the dwelling policy provides building and/or contents coverage for:

  • Detached, single-family, non-condominium residence with incidental occupancy limited to less than 50% of the total floor area;
  • Two- to four- family, non-condominium building with incidental occupancy limited to less than 25% of the total floor area;
  • Dwelling unit in residential condominium building;
  • Residential townhouse/rowhouse
  • Manufactured mobile homes

NFIP Fee Schedule

NFIP Adjuster Fee Schedule – 2017 Revision

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NFIP Adjuster Fee Schedule – 2017 Revision
Bulletin Number
WYO Program Bulletin - W-17026

Date 09/01/2017

The Federal Emergency Management Agency (FEMA) has revised the NFIP Adjuster Fee
Schedule for claims with dates of loss on or after August 24, 2017. Both the NFIP System of
Record (SOR) systems and WYOs will need to make system updates to account for the new fee schedule. 

Note: the above is from the Bulletin.

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