Does anyone know how to get FLOOD Cert.
|
Logged in as: Guest
|
NOTICE: We are no longer using this forum for discussions. Please follow the links to the new forums.
Catastrophe Central-The Adjuster's Forum : Community Center- Forums
New Site Registration : New Site Login
Login  | |
|
Does anyone know how to get FLOOD Cert. - 7/20/2005 2:54:50 PM
|
|
|
txadjuster4
Posts: 2
Joined: 7/20/2005
Status: offline
|
Does anyone know where I can get flood certified. Im racking my brain here. Any information would be appreciated.
|
|
|
|
RE: Does anyone know how to get FLOOD Cert. - 7/20/2005 3:16:34 PM
|
|
|
newtonclaimstim
Posts: 155
Joined: 4/26/2004
Status: offline
|
Contact a company like Pilot or Allcat or any of the vendors and
attend a 2 or maybe a 3 day course on flood adjusting and they will
certify to work flood claims for the WYO carriers just like that you
have all that is required. Can't beat that can you !
|
|
|
|
|
RE: Does anyone know how to get FLOOD Cert. - 7/20/2005 3:20:23 PM
|
|
|
EugeneC
Posts: 25
Joined: 4/12/2005
Home base: Texas
Status: offline
|
You must get certified through FEMA and, according to this link, www.fema.gov/nfip/ca1.shtm , there are no more classes scheduled for 2005. Also, I think you are required to have 3 years adjusting experience before you can take the course. Not positive about that, though.
|
|
|
|
|
RE: Does anyone know how to get FLOOD Cert. - 7/20/2005 4:18:54 PM
|
|
|
spburnett
Posts: 18
Joined: 7/22/2004
Home base: Granbury, TX
Status: offline
|
Been looking at it myself. Here's what I found out. Most of it came out of the link to NFIP through http://www.fema.gov/nfip/claimsadj.shtm
1. Got to get some experience. NFIP requires 4 years minimum for residential or 5 years for commercial. See http://www.fema.gov/nfip/participation.shtm.
2. Attend a Flood Workshop. - Claims Adjusters must attend a claims presentation annually to maintain certification. NFIP claims presentations are held from January through May not to interfere with hurricane season beginning in June.
3. Maintain quals.
Follow the steps outlined in the adjuster ceritfication page found at http://www.fema.gov/nfip/adjcert.shtm.
I personnally am looking at the classes during 2006 and go from there.
Hope to see you at one.
< Message edited by spburnett -- 7/20/2005 4:25:52 PM >
_____________________________
Stan Burnett
"clear communication leads to clear understanding"
|
|
|
|
|
RE: Does anyone know how to get FLOOD Cert. - 7/21/2005 1:39:43 AM
|
|
|
AllCatMan
Posts: 65
Joined: 4/19/2004
Home base: Texas
Status: offline
|
I am gonna ask a dumb question.....
Are all the headaches involved in flood worth getting certified??
I have never gotten certified, and have had several adjusters say that they wish they were not....I have see some get wind claims pulled so that they could work only NFIP, and only wind claims were attached to flood claims.....Just what I have heard, I, in no way know, as I have never worked flood, nor been exposed to very much in classes I have been in.....
|
|
|
|
|
RE: Does anyone know how to get FLOOD Cert. - 7/21/2005 8:10:53 AM
|
|
|
trader
Posts: 1203
Joined: 4/19/2004
Home base: Houston, TX
Status: offline
|
I find it very difficult to work flood and roof claims at the same time. Just like its very difficult to work third party liability claims and property claims on the same day. My head will not shift gears that soon.
|
|
|
|
|
RE: Does anyone know how to get FLOOD Cert. - 7/21/2005 9:16:52 AM
|
|
|
ranger
Posts: 186
Joined: 11/20/2004
Home base: Bonham, Texas
Status: offline
|
It is worth becoming flood certified if there are no other claim assignments except flood and and you do not mind working around snakes.
|
|
|
|
|
RE: Does anyone know how to get FLOOD Cert. - 7/21/2005 7:54:19 PM
|
|
|
RobertV
Posts: 494
Joined: 4/19/2004
Home base: Boerne, TX
Status: offline
|
quote:
ORIGINAL: ranger
It is worth becoming flood certified if there are no other claim assignments except flood and and you do not mind working around snakes.
Sometimes you have to beware of the cold-blooded variety, too.
|
|
|
|
|
RE: Does anyone know how to get FLOOD Cert. - 7/22/2005 9:56:49 AM
|
|
|
trader
Posts: 1203
Joined: 4/19/2004
Home base: Houston, TX
Status: offline
|
And the 2 footed one also.
|
|
|
|
RE: Does anyone know how to get FLOOD Cert. - 7/22/2005 10:31:18 PM
|
|
|
Kelley
Posts: 109
Joined: 4/19/2004
Home base: DFW to WF, TX
Status: offline
|
Now this is a subject I do know a little something about.
If you go to Pilots flood school you may be able to get the experience requirement waived "if" Pilot will take you on as a "trainee". You work the flood claims the WYO company must reviewed much closer and sign off on your work. I have heard of Colonial also signing off in the same manner on claims and they do lots of flood losses.
No those of us who do not wish to climb roofs flood losses are a great way to go. When you receive a flood claims with a roof loss with the same WYO company you should work both losses under the NFIP Single Adjuster rule. You must be certified to work a flood loss and since not all adjusters have their flood certifications the wind loss adjuster often has the loss pulled from him. This is only a factor if both the wind policy and the flood policy is written under the same carrier.
Working flood and wind claims at the same time if very hard, Trader is right. Wind claims most often are closed much quicker than a flood loss. You have to get out within just a few days on wind, inspect the loss and close it. With a flood loss you inspect the loss and often have to wait 3 - 4 weeks for a contents list from the policy holder. Flood losses do not close as quickly as a wind loss.
When we work wind claims my mate takes the assignments and I become his assistant. When we work flood claims I take the assignments and hubby becomes my assistant. This works great for us and is productive.
If you do not have experience working claims starting with flood can be hard if you are not self sufficient. Pilot has a great flood school and I recommend it to all new adjusters who want to enter the world of flood claims.
You MUST attend a workshop each year for the fee of 10.00 I believe. This class will not teach you how to work a flood loss. NFIP workshops often creates confusion for any adjuster especially a new adjuster. The main confuse comes from "the NFIP says" and you get to the field and you discover you are not working for the NFIP but you are working for the WYO (Write your Own) companies and so often do not have the same thoughts as to what the guidelines mean. You will learn to use such terms as NFIP Guidelines, mitigation, policy requirements and the value of the Proof of Loss.
You must learn about elevation certificates, flood zones, flood maps, address on loss report must match physical address and the need to verify how you WYO company has you to proceed when there is a variance. Should parents own a home and the children live in it the loss becomes ACV, it does not work like a homeowners policy. With the exception of detached garages other structures must have their own policy. If there is a bathroom, bedroom, office, kitchen etc in the garage then there is no longer automatic coverage, the garage would have to have its own policy. Above or below grade can cause major issues. There can be basement issues. One deductible for buildings and one for contents. Building coverage and contents coverage are purchased separately. If you have no knowledge of contents it can be hard. Issues as to where contents can and can not be. Which appliances are under building coverage and which are under contents and where the can or can not be located. Some items are paid ACV and some RC. The list could go on and on.........
If you don't like paper work you will not like flood claims and do not want to enter the world of flood claims. Different dead lines for different reports. Reports must be correctly worked and several must have policy holders signature. Photos, tons and tons of photos and no, you do not get paid for photos.
This does not even touch on mobile homes, commercial or condos.
With all of this said and done there are still of us that would rather work flood losses than wind....... maybe we like snakes. We don't have to worry on those hot days about walking around on an 11/12 pitch roof wondering if the shingles are going to give way. I have yet to read in Catorg of a flood adjuster loosing his life to a snake!
Thankfully there are adjusters who prefer one over the other. It is great to have adjusters who specialize and yet at the same time to have adjusters who can go where ever they are needed. It takes all kinds to make the world go around.
Hope all of this helps someone, if it confuses you then you know in advance how it is going to feel out there working flood claims. 
|
|
|
|
|
RE: Does anyone know how to get FLOOD Cert. - 7/23/2005 9:07:44 AM
|
|
|
trader
Posts: 1203
Joined: 4/19/2004
Home base: Houston, TX
Status: offline
|
The phone rings and the over wrought insured with a composition ridge row missing, can create as much pain on your mental health as a 72 year old widow with 7 foot of salt water in her house. Thats the HARD part of working both at the same time.
My advise is choose ,not to handle both, UNLESS a single WYO carrier has both lines.
|
|
|
|
|
RE: Does anyone know how to get FLOOD Cert. - 7/25/2005 3:30:31 PM
|
|
|
Darryl
Posts: 132
Joined: 4/19/2004
Status: offline
|
Worley is now also athorized as a trainer to be able to waive the experience part of the certification. All other certification information should be gotten from the FEMA web site.
Flood was the first type of claim I ever handled. It has its points that make it easier and some that are more cumbersome. Like other types of property claims there are floods that are easier and ones that are bears. Rising water v moving water, etc.
< Message edited by Darryl -- 7/25/2005 3:31:07 PM >
|
|
|
|
RE: Does anyone know how to get FLOOD Cert. - 7/25/2005 8:00:40 PM
|
|
|
Kelley
Posts: 109
Joined: 4/19/2004
Home base: DFW to WF, TX
Status: offline
|
Darryl,
Enlighten me, what does "Rising water v moving water" have to do with a flood claim ?
|
|
|
|
|
RE: Does anyone know how to get FLOOD Cert. - 7/26/2005 9:37:04 AM
|
|
|
Darryl
Posts: 132
Joined: 4/19/2004
Status: offline
|
The main difference is usually the severity of the claim. Water that rises usually does a lot less structural damage than does moving water. There aren't many things that can withstand a wall of moving water.
Rising water claims lend themselves to a lot of macro use for interior finishes.
When I was first thrown into this business I had never handled a property claim, three days later there was the 100 year flood and I became a flood adjuster. By the end of the flood handling, with a lot of help from my boss I could refinish any house to 4'. I was lucky it was heavy rainfall flooding, not moving water and we were hand writing for the NFIP direct.
|
|
|
|
|
RE: Does anyone know how to get FLOOD Cert. - 7/30/2005 11:54:55 AM
|
|
|
yumadj
Posts: 71
Joined: 4/19/2004
Home base: Yuma, Arizona
Status: offline
|
For those not able to break away for a seminar or flood school, are there on line or printed manuals available for handling a flood loss? I went to a NFIP workshop and found it helpful, but raised more questions than could be answered at that time.
|
|
|
|
|
RE: Does anyone know how to get FLOOD Cert. - 7/30/2005 12:13:19 PM
|
|
|
bryan_newell
Posts: 10
Joined: 4/19/2004
Home base: fort worth, tx
Status: offline
|
yumadj you can go to fema.gov/nfip & download the adjuster manual. In addition, you will also need all of the NFIP directives on the little idiosyncrasies with their policy.
|
|
|
|
|
RE: Does anyone know how to get FLOOD Cert. - 7/31/2005 9:14:46 AM
|
|
|
goose
Posts: 94
Joined: 4/19/2004
Status: offline
|
The advantage of the single adjuster program is that you can close some wind claims and get some money in the pipeline while you are waiting on the contents lists and getting the proofs signed. If not, you are possibly looking at weeks before you can recoup the upfront money you expended on the storm.
|
|
|
|
|
RE: Does anyone know how to get FLOOD Cert. - 7/31/2005 2:52:17 PM
|
|
|
yumadj
Posts: 71
Joined: 4/19/2004
Home base: Yuma, Arizona
Status: offline
|
Thanks, Bryan. I had another issue. I sent in application for NFIP workshop and received nothing back. I went to the So Cal workshop in March, and signed my name on the roster, sat through the presentation. When I returned home, I received a letter saying the workshop was full, and my check returned. I called FEMA, spoke to a lady in the NFIP section and explained it to her. She said it was not necessary to attend a workshop to remain certified. I go to the adjuster requirements and it says to attend workshops!!! So, now what?
|
|
|
|
RE: Does anyone know how to get FLOOD Cert. - 8/3/2005 12:24:57 AM
|
|
|
we2
Posts: 10
Joined: 6/4/2004
Home base: Port Richey, FL (now)
Status: offline
|
Flood claims do usually require considerable work & some extra hours (primarily related to work on damaged contents); however, they can be very lucrative for someone who is detail-oriented, understands how to properly rebuild a structure, & is willing to spend the time to work with the Insureds to complete their contents list (or to prod them into doing it.) They may not be something a new adjuster wants to get into right away, but they shouldn't be discounted just because they involve some time & effort. Some adjusters actually prefer them!
|
|
|
|
|
RE: Does anyone know how to get FLOOD Cert. - 8/3/2005 12:41:52 AM
|
|
|
we2
Posts: 10
Joined: 6/4/2004
Home base: Port Richey, FL (now)
Status: offline
|
This is just FYI from personal experience . . . NFIP guidelines state certification needs to be renewed annually. Not sure how rigid this is. It's only $10, so that should not put anyone off; plus, in most states, you receive either seven or eight CE credits, which is the best deal possible based on cost per hour! The class is simple, repetitive & some of it is dull, however, there is some good basic information to be had that is definitely helpful if you ever do actually do flood claims. NFIP only offers classes from January thru May, although if you get to a storm with lots of flood damage, they have been known to offer a class or two actually at the storm location, & they may take your word for how many years experience you've had . . .. You can check the schedule for upcoming classes (next year, that schedule is not available yet) on www.FEMA.gov website sub category NFIP, then look for training.
|
|
|
|
!! You are viewing a post in the forum archive.
NOTICE: We are no longer using this forum for discussions. Please follow the links to the new forums.
Catastrophe Central-The Adjuster's Forum : Community Center- Forums
New Site Registration : New Site Login
 New Messages |
 No New Messages |
 Hot Topic w/ New Messages |
 Hot Topic w/o New Messages |
 Locked w/ New Messages |
 Locked w/o New Messages |
|
Post New Thread
Reply to Message
Post New Poll
Submit Vote
Delete My Own Post
Delete My Own Thread
Rate Posts
|
|
User Agreement | Privacy Statement| Contact |Copyright 1995 - 2006 CatAdjuster.org. All rights reserved.
2.906
|
Printable Version
