FEMA only enters the fray, when you do NOT HAVE insurance for the loss. And every case is on a standalone basis.

If your friend has coverage, either threw NFIP (flood) or TWIA , (wind) then they should contact the respective carriers , inquire as to which IA firm has the claim and obtain the adjusters name and contact number.

With 76,000 claims as of last week from TWIA alone, it will take quite a bit of doing. I see 7-9 per day, when im out and then it takes 2-3 days to write, upload, review and jump through all the necessary hoops. PATIENCE, as Tom said is the only way to approach any catastrophe.

This is a very long lasting storm and will indeed separate those "burger flippers" from the true catadjuster , just as the "4 in 04" and the 05 storms did.

Not an easy gig when people do not understand the intricacies of the way it works.

If my memory serves me correct Stephanie is a staff or IA adjuster. This is not a slam but if an adjuster does not know the difference between FEMA and NFIP , also unaware of normal time frames can you imagine the average policy holder expectations!!!

With this much red tape on flood can you even imagine if some lawmakers get their way and introduce a gov't run wind pool. YIKES

Hang in there, Stephanie.

We'll learn ya some stuff about the P&C world.

Steph,
How long do you think it should take? Is it up to "FEMA" or the NFIP to prove your friend"s claim? Why has no one done an estimate? Seems to me that the policyholder would have secured an estimate by now. Is it always this way? Seems rather rediculous to me too. As a workers comp adjuster, is it your job to prove up a claim for a claimant?

There is no requirement that an insurer, including the NFIP, estimate the damage, inspect the claim or otherwise prove the loss. Your friend should document the damage, submit that documentation to the insurer and submit a proof-of-loss as the policy requires.