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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

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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 .

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

CADO Admin
/ Categories: News, Storms, Hurricanes, Flood, NFIP

Source: Bulletin W-17045

U.S. Department of Homeland Security
Washington, D.C. 20472


W-17045
September 16, 2017



MEMORANDUM FOR: Write Your Own (WYO) Company Principal Coordinators, WYO Vendors, the National Flood Insurance Program (NFIP) Direct Servicing Agent, and Independent Adjusting Firms

FROM: David I. Maurstad, Assistant Administrator for Federal Insurance, Federal Insurance and Mitigation Administration

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

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. 

There is a competitive marketplace for high-quality adjusters and those with the experience required to adjust flood claims, and the NFIP must be competitive with other insurance companies looking for experienced senior adjusters. The demand for adjusters industry-wide is high right now. FEMA will pay adjusters amounts above the already increased fee schedule to adjust flood claims. This brings NFIP claims in line with other insurance companies that have also increased payments to adjusters. This temporary move means that NFIP claimants will receive the same high level of adjustment experience of other insurance claimants—the experience they have paid for and deserve.

 The Special Adjuster Fee Schedule is effective for claims with a date of loss on or after August 24, 2017, through November 30, 2017. Beginning on December 1, 2017, FEMA will revert to NFIP Adjuster Fee Schedule – 2017 Revision, issued on September 1, 2017. FEMA may use this special adjuster fee schedule at any time during the FY 2018 WYO Arrangement year to address market conditions. 

The financial exhibit has been updated to accept submissions with the new Special Adjuster Fee Schedule and is attached. A cover letter, also attached, provides further details regarding the financial submission process. 

Beginning with the October 2017 data submission, those Companies that are able to make the necessary system updates to account for the Special Adjuster Fee Schedule should use the Special Fee Schedule rather than the 2017 NFIP Adjuster Fee Schedule and follow the process outlined in Bulletin W-17026 to process claims transactions.

Companies unable to make the necessary system updates must follow the current process described in Bulletin W-17026 to process claims transactions.

 Please distribute this information to the appropriate personnel in your organization.

Fee Schedule listed below for viewing or download.

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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

Simply Snap, Speak & Send

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

Adjuster Estimates