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NFIP Adjuster Fee Schedules – Fiscal Year (FY) 2024 Revision

" 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."

2023 Standard Flood Insurance Policy (SFIP) Commentary

" FEMA is pleased to announce the release of its SFIP Commentary. The SFIP Commentary complements the NFIP Claims Manual (June 2023) by helping claims professionals quickly find current NFIP guidance relevant to key provisions and concepts contained within the Standard Flood Insurance Policy. The Commentary primarily refers to the Dwelling Form but highlights points of difference with the...

FEMA Projects Up to $3.5 - $5.3 Billion in Hurricane Ian Flood Insurance Claims Payments

From a FEMA News Article: Release Date: November 10, 2022 WASHINGTON -- As of Nov. 10, the National Flood Insurance Program (NFIP) has received more than 44,000 flood claims from Hurricane Ian and has paid nearly $437 million to policyholders. FEMA’s initial estimate projects Hurricane Ian could potentially result in NFIP claims losses between $3.5 - $5.3...

NFIP Adjuster Fee Schedules – Alternative Fee Schedule

The information below comes the WYO Bulletin W-22007 issued 10/1/2022 The Fiscal Year (FY) 2022 WYO Financial Assistance/Subsidy Arrangement (“Arrangement”) at IV.C.2 authorizes the Federal Emergency Management Agency (FEMA), in its sole discretion, to authorize the use of an alternative Fee Schedule to ensure the availability of qualified insurance adjusters during catastrophic...

NFIP Adjuster Fee Schedules – Fiscal Year (FY) 2023 Revision

This information and the attachment is from the NFIP Write Your Own (WYO) Bulletin W-22001 issued 8/9/2022 "FEMA is pleased to announce the release of the 2023 NFIP Adjuster and Increased Cost of Compliance (ICC) Fee Schedules. Federal regulation requires fee schedule revisions to align with a new FY WYO Financial Arrangement. The FY2023 Arrangement will be effective October 1,...

ALABAMA SURVEY ON PRIVATE FLOOD MARKET PROMPTS LEGISLATION TO ENCOURAGE INSURER PARTICIPATION

The Alabama Department of Insurance (ALDOI) released results of a survey taken to understand the private flood insurance market in the state. The ALDOI commissioned Milliman, Inc. (Milliman), a premier global consulting and actuarial firm, to survey flood insurance industry stakeholders and understand their concerns and perspectives around writing private flood insurance in Alabama, and ways...

NFIP Claims Manual with effective date 10/2021

This manual improves clarity of flood insurance claims guidance to NFIP Write Your Own (WYO) companies, flood vendors, flood adjusters and examiners, so that policyholders experience consistency and reliability of service. 

Source: FEMA Website

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

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

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...

West Virginia Flooding

President Declares Major Disaster for West Virginia WASHINGTON – The U.S. Department of Homeland Security’s Federal Emergency Management Agency (FEMA) today announced that federal disaster assistance has been made available to the State of West Virginia to supplement state and local recovery efforts in the area affected by severe storms, flooding, landslides, and mudslides...

Flood-Stricken West Virginia Counties Get Federal Disaster Designation - ABC News

CNNFlood-Stricken West Virginia Counties Get Federal Disaster DesignationABC NewsThree West Virginia counties devastated by flooding will receive federal disaster assistance, the state's governor announced today as the death toll rose again. The Federal Emergency Management Agency will provide individual assistance, which includes ...West Virginia flooding leaves at least 23 deadCNNWest...

At Least 23 Dead From Severe Flooding In West Virginia - NPR

At Least 23 Dead From Severe Flooding In West VirginiaNPRHeard on All Things Considered. Kara Lofton. Ray Suarez. From West Virginia Public Broadcasting. West Virginia's governor has declared a state of emergency in 44 counties after severe flooding that damaged homes and stranded people across the state.

Past Articles

Note: Since CADO first went online in 1995 we have had many members contribute to the site with their articles and forum posts.  But over the years many of these post were lost however, we have recently been able to recover some of the articles and forum post and will be re-posting them as time allows.   They will be posted on this page (Commuunity Blog) with a note indicating that it was a prior post. RC

Forum Topics

"Muffled Cries" story of adjuster killed in Tampa in Nov 04 reruns 9/22/07 at 6:30pm ET

Florida Farm Bureau adjuster, Katie Froeschle, age 25 ,was murdered in Tampa,FL on November 12, 2004 while inspecting a loss by the tenant who is now

Posted By: Dimechimes
Posted In: General
Replies: 31

LONG NIGHTS - LONGER DAYS

Much has been stated about the trials and tribulations of life on the road while working a storm. We all know about the non- stop 18 hour days and the

Posted By: margar1
Posted In: Community Chat
Replies: 16

Did I mess up?

 I just got hired by Pilot, I guess. They called and said get your paperwork in and get ready for a drug test. The lady told me that she knew the

Posted By: newguy3
Posted In: General
Replies: 50

HOW SLOW IS IT???

I HAVE BEEN RUNNING THE ROADS FOR 12 YRS.  UP TO THIS POINT EVEN THE SLOW YEARS TREATED ME OK.THIS YEAR HAS BEEN MY SLOWEST EVER.  NONE OF M

Posted By: Catmannn
Posted In: General
Replies: 26

I Thought I Had Heard It All

Greetings to everyone from Oaxaca, Mexico, where Jennifer and I are taking a break from our last assignment and staying far away from the demonstratio

Posted By: Medulus
Posted In: General
Replies: 43

Fee Schedules

I think someone should have done this a long time ago.  Let's start a list of fee schedules from different carriers and their preferred IA firms.

Posted By: descher
Posted In: Community Chat
Replies: 15

Poor quality report writing

I just wanted to put in my two cents on how to write better reports. Please check these two examples:   Example #1 (poor quality) When I

Posted By: Leland
Posted In: The Claim File
Replies: 25

What to do when the insured is deceased or divorced

I think death and divorce are common issues that rarely get covered in training. Adjusters learn what to do by trial and error, or if they are lucky,

Posted By: Leland
Posted In: General
Replies: 8

Is the Independent Adjuster Fast Becoming Obsolete?

I have written  more than few times about with Satellite roof technology , the fact that Xactimate is now fully integrated with EagleView and wit

Posted By: CatAdjusterX
Posted In: General
Replies: 36

Know your policy

Janice and I worked a commercial loss last week and submitted it for payment 4 days after assignment, through a vendor with a major carrier. This was

Posted By:
Posted In: General
Replies: 37

How many Independent Adjusters out of work Today

Just curious, How many IA's are there out of work today who don't have other income to survive .  How many total adjusters are there in the USA

Posted By: Goldust
Posted In: General
Replies: 35

Another Blow to Professional Adjusting

Xactware and ServiceMaster have teamed up to offer insurance carriers a contents estimating service.  Now the carriers are using restoration cont

Posted By: johnpostava
Posted In: General
Replies: 30

Hurricane Sandy

At this time a rapidly strengthening hurricane is going to cross Jamaica, Cuba and the Bahamas. But what then. Some modleing is suggesting a sub tropi

Posted By: stormcrow
Posted In: Hail, Flood, Hurricanes and Weather Events
Replies: 24

2007 Version of Know before you Go.

My opine is not as good as the experts; but I think a monster hurricane will hit Texas or Florida with in the next 50 days. All new and old adjusters

Posted By: Ray Hall
Posted In: General
Replies: 32

Stress and Mental Health of Adjusters

Does anyone know of mental health services needed by or provided to claims adjusters suffering from stress related symptoms after a severe cat? I am c

Posted By:
Posted In: General
Replies: 24