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CADO Flood\NFIP Support Page

This page provides information and resources related to the handling of flood claims.

Some Flood Events

HURRICANE KATRINA, Aug-2005 Number of Paid Flood Losses - 166,790, amount paid - $16,257,744,061.

SUPERSTORM SANDY, Oct-2012, Number of Paid Flood Losses - 132,360, amount paid - $8,804,242,152

HURRICANE HARVEY, Sep-2017, Number of Paid Flood Losses - 76,257, amount paid - $8,908,547,689, Source: FEMA

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 .

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National Flood Insurance Program (NFIP) Claims Manual

Links to the current edition and previous editions of the NFIP Claims Manual.

Effective October 1, 2021
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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NFIP Fee Schedule

You can check current edition and previous editions of the NFIP Claims Manual for the Adjuster Fee Schedule that applies.  It's based on the Date of Loss. The current edition has an Effective May 1, 2020. Section 9.7 of the current Addition, NFIP Fee Schedule, Adjusters may bill based on the current NFIP Adjuster Fee Schedule: • Current Adjuster Fee Schedule effective August 24, 2017 (See Appendix A) • For ICC claims, use the ICC fee schedule effective September 1, 2004 (See Appendix f.

Fee Schedule

NFIP Information for Claims Adjusters

Author: CADO Admin/Sunday, October 12, 2014/Categories: NFIP, Flood


Here is a list of some of the resources for adjusters that can be found on the NFIP site. 

Last Updated: 4/24/2021


  1. Adjuster Authorization
    1. Qualified applicants applying for a National Flood Insurance Program (NFIP) Adjuster Authorization are granted a Flood Control Number (FCN) through the Adjuster Authorization process administered by the NFIP Bureau & Statistical Agent on behalf of FEMA.
  2. Adjuster Certification and Workshops
  3. Adjuster Certification Application Takes you to a pdf that can be downloaded
    1. FEMA Form 086-0-21: This form is used to collect information from individuals seeking to become certified flood adjusters.
  4. Adjuster Claims Manual The NFIP provides two types of Manuals, the Claims Manual "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." and the Flood Insurance Manual, which is "used primarily by insurers and agents selling and servicing NFIP flood insurance." comments from the source.
  5. Adjuster Preliminary Damage Assessment Form 
    FEMA Form 086-0-20: This form is used by adjusters to list potentially substantial damaged structures in preparation for possible ICC claims.
    pdf form that can be downloaded.
  6. Claim Forms
    1. Here are some of the forms available on the FEMA page that the link provided in # 6 takes you to;
    2. Adjuster’s Registration Application
    3. Adjuster Preliminary Damage Assessment
    4. Increased Cost of Compliance (ICC) Adjuster Report
    5. Manufactured (Mobile) Home/Travel Trailer Worksheet 
    6. Cause of Loss and Subrogation Report
    7. National Flood Insurance Program Narrative Report
    8. Adjuster’s Preliminary Report
    9. Adjuster’s Final Report
    10. Proof of Loss
    11. Worksheet - Building
    12. Please follow the link provided in # 6 above to download the forms and see more forms, also to check for updated forms.
  7. National Flood Insurance Program Terminology Index
  8. Steps For the Assignment of Coverage D - Increased Cost of Compliance Coverage
  9. Summary of Coverage fo the Standard Flood Insurance Policy  - This document is a brochure that is provided\available for insureds that pruchase Flood insurance
  10. Summary of Coverage for Commercial Property

Click here to go to their site.

The information below is from Section 9 of the May 2020 NFIP Claims Manual

9 NFIP Adjuster Participation
FEMA’s goal is to ensure that claims professionals adjust each claim fairly and without unnecessary delay. Adjusters should treat each policyholder with respect, fairness, and equity during this stressful time in their lives. Adjusters represent the NFIP and demonstrate its commitment to improved customer experience. Adjusters will likely be the first and perhaps the only NFIP representative a policyholder meets after a flood. The NFIP depends on the adjusters’ expertise and compassion to help our policyholders recover from what may be a devastating experience for them. The adjuster works in concert with the claims examiner to guide a policyholder through the NFIP claims process.

9.1 Adjuster Authority
FEMA expects every adjuster handling NFIP flood losses:
• To understand and communicate to the policyholders that the adjuster does not have the authority to approve or deny a claim but should explain the policy to the policyholder and make recommendations to the insurer.
• To understand that all adjustments are only recommendations and subject to review by the NFIP insurer.
Important: Adjusters should follow the insurer’s guidelines, however, any questions requiring clarification should be forwarded through their internal chain of command.

. . .

9.4 Adjuster Qualifications
The NFIP requires adjusters to have different levels of qualifications to adjust different property types. Table 4 details what types of properties an adjuster can adjust for a given level of training.

Property Type Residential, Manufactured Home, Travel Trailer, and Commercial Losses
 • Have at least four consecutive years of full-time property loss adjusting experience.
 • Be capable of preparing an accurate scope of damage and dollar estimate to
 • $50,000 for manufactured homes and travel trailers, $250,000 for residential losses, and up to $500,000 for commercial losses.
 • Attend the annual NFIP claims presentation.
 • Demonstrate knowledge of the SFIP and NFIP adjustment criteria for all policy forms.
 • Have expert knowledge of manufactured home and travel trailer construction and valuation.
 • Be familiar with Increased Cost of Compliance coverages and criteria.
 • The NFIP encourages adjusters to have Errors and Omissions (E & O) insurance coverage. Some WYO Companies require adjusters assigned to their claims to have E & O coverage.

Property Type Large Commercial and RCBAP Losses
 • Have at least five consecutive years of full-time large-loss property adjusting experience.
 • For large commercial losses, be capable of preparing an accurate scope of damage and dollar estimate of $500,000 or more.
 • For RCBAP, be capable of preparing an accurate scope of damage and dollar estimate of $1,000,000 or more.
 • Attend the annual NFIP claims presentation.
 • Provide written recommendations from three insurance company supervisors or claims management personnel. The recommendations must reflect adjusting experience only.
 • The NFIP encourages adjusters to have Errors and Omissions (E & O) insurance coverage. Some WYO Companies require adjusters assigned to their claims to have E & O coverage.

. . .

The excerpts above come from Chapter 9 of the May 2020 Edition of NFIP Adjuster Claims Manual.  Chapter 9 starts on page 13 of the manual. Please check and review the manual for any changes or updates

Note: Additional Documents are available below to download but login is required to access them.


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Additional Resources

NFIP Training Available Online

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,...

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.

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.

Flood Discussions