NFIP Adjuster Fee Schedules – Fiscal Year (FY) 2024 Revision Effective on October 1, 2023 Tuesday, October 3, 2023 " 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." Read more
Redesign to the NFIP Claims Manual Posted Online Redesign to the NFIP Claims Manual Posted Online Saturday, July 1, 2023 The updated edition of the National Flood Insurance Program’s (NFIP) Claims Manual effective June 29, 2023, is now available at Flood Insurance Manuals and Handbooks | FEMA.gov. Read more
NFIP Information for Claims Adjusters NFIP Information for Claims Adjusters Sunday, October 12, 2014 Information on some of the resources for adjusters that can be found on the NFIP site. Read more
2024 NFIP Claims Adjuster Presentations 2024 NFIP Claims Adjuster Presentations Only 1 remaining! Thursday, January 4, 2024 Webinar Registration Now Open Adjusters seeking to maintain their active registered status must attend an NFIP Claims Presentation each calendar year. Read more
2023 Standard Flood Insurance Policy (SFIP) Commentary 2023 Standard Flood Insurance Policy (SFIP) Commentary Source: NFIP WYO Company Bulletins Sunday, September 24, 2023 " 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 General Property and Residential Condominium Building Association Policy (RCBAP) as applicable." Read more
NFIP Adjuster Fee Schedules – Alternative Fee Schedule To apply to claims reported with a date of loss of September 17, 2022, and later. Sunday, October 9, 2022 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 flooding events. Read more
NFIP Adjuster Fee Schedules – Fiscal Year (FY) 2023 Revision NFIP Adjuster Fee Schedules – Fiscal Year (FY) 2023 Revision Tuesday, August 23, 2022 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, 2022; therefore, the 2023 NFIP Adjuster and ICC Fee Schedules will apply to claims with dates of loss on or after October 1, 2022. FEMA is providing the notice well in advance to allow WYOs and the NFIP Direct time for system updates. Read more
NFIP Claims Manual with effective date 10/2021 NFIP Claims Manual with effective date 10/2021 Wednesday, September 23, 2020 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 Read more
NFIP Claims Manual Effective June 1, 2019 NFIP Claims Manual Effective June 1, 2019 National Flood Insurance Program Sunday, January 13, 2019 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 Read more
Hawaii Flood Policy Statistics as of 06/30/2018 Source: NFIP Sunday, August 26, 2018 County Name Policies In-Force HAWAII COUNTY 4,559 HONOLULU COUNTY 38,457 KAUAI COUNTY 5,236 MAUI COUNTY 12,159 Total 60,411 Read more
Addendum to the NFIP Adjuster Claims Manual — Special Adjustment Issues: Fiberboard Sheathing/Blackboard WYO Bulletin w-17065 Tuesday, October 31, 2017 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. Read more
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 Tuesday, September 19, 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. Read more
New Guidelines for NFIP Adjusters New Guidelines for NFIP Adjusters FEMA Bulletin w-16005 – Authorized NFIP Adjusters and 2016 NFIP Claim Presentations Friday, January 29, 2016 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. Read more
NFIP Training Available Online Wednesday, January 13, 2016 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) Read more
NFIP Coverage Comparison as of December 31, 2000 NFIP Coverage Comparison as of December 31, 2000 Comparison of the NFIP Dwelling Form, General Property Form and the RCBAP form Sunday, October 12, 2014 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 Read more
NFIP FACTS AND STATISTICS Saturday, February 28, 2009 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/ Read more
NFIP Bulletins for WYO Companies Updated Thursday, February 26, 2009 NFIP Bulletins for WYO (Write Your Own) Companies Read more
NFIP Residential Condominium Building Association Policy (RCBAP) NFIP Residential Condominium Building Association Policy (RCBAP) Wednesday, February 25, 2009 A. COVERAGE A—BUILDING PROPERTY We insure against direct physical loss by or from flood to: 1. The residential condominium building described on the Declarations Page at the described location, including all units within the building and the improvements within the units. (Excerpt from the Policy) Read more
NFIP General Property Form NFIP General Property Form Wednesday, February 25, 2009 Subject: Policy: General Property Form Description: 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. Read more
NFIP Dwelling Form Sunday, February 22, 2009 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 Read more
NFIP Adjuster Fee Schedule Sunday, February 22, 2009 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." Read more