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    CADO Flood\NFIP Support Page

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

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    Some information found on this page

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    On the National Flood Insurance Program (NFIP) Claims Manual
    On Renewing/Obtaining Flood Control Number
    NFIP Fee Schedule

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    Significant Flood Events include ...

    ——Source: NFIP

    Hurricane Katrina (2005) with 208,348 Paid Losses
    Hurricane Sandy (2012) with 114,846 Paid Losses
    Hurricane Harvey (2017) with 92,385 Paid Losses

Flood Damage

National Flood Insurance Program (NFIP) Claims Manual

The Standard Flood Insurance Policy Commentary is a quick reference document for claims professionals to find current NFIP guidance relevant to key provisions and concepts contained within the Standard Flood Insurance Policy.

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

Claims Manual (Effective June 1, 2025) 

Previous Manuals

This "read more" link will take you to the source the manuals, please check the Claims Manual section on that page,

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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Flooding

NFIP Fee Schedule

 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. You can follow this link for the source of this update which is the WYO Company Bulletin W-23013

Texas Department of Insurance - COMMISSIONER'S BULLETIN #B-0014-14

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Texas Department of Insurance - COMMISSIONER'S BULLETIN #B-0014-14

HB 1183 does not change existing prohibitions in Texas Insurance Code, Chapters 4101 or 4102, but it adds §4101.251 and §4102.163.

     Section 4101.251 prohibits licensed adjusters from adjusting a loss related to roofing damage on behalf of an insurer if the adjuster is a roofing contractor or otherwise provides roofing services or roofing products for compensation, or is a controlling person in a roofing-related business.  The section also prohibits a roofing contractor from acting as an adjuster or advertising to adjust claims for any property for which the roofing contractor is providing or may provide roofing services, regardless of whether the contractor holds a license under this chapter. 

     Section 4102.163 prohibits a roofing contractor from acting as a public adjuster or advertising to adjust claims for any property for which the contractor is providing or may provide roofing services, regardless of whether the contractor holds a license under this chapter.

    While not contained in HB 1183, public insurance adjusters are prohibited from participating directly or indirectly in the reconstruction, repair, or restoration of damaged property that is the subject of a claim adjusted by the license holder.  Texas Insurance Code §4102.158.

     The department will investigate written complaints of persons violating the Insurance Code and notes that violating Insurance Code Chapters 4101 and 4102 may result in criminal penalties and license denial, suspension, or revocation.  In addition, violating Chapter 4102 may result in fines.

     If you have any questions regarding this bulletin, please contact Jamie Walker by email atjamie.walker@tdi.texas.gov, or by telephone at 512-305-6797.

      For more information concerning this bulletin, see Questions 12-14 of 
Frequently Asked Questions or at the following web address:http://www.helpinsure.com/home/documents/unlicensedfaq.pdf.

 

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FEMA Press Releases

Here are some recent Releases

Here is a link to the FEMA Press Releases official website. The source of the releases above.

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.

WYO Company Bulletins

Source: The National Flood Insurance Program | FloodSmart | NFIPServices

The new website for WYO Bulletins is: https://agents.floodsmart.gov/flood-maps-and-data/bulletins

Flood Losses

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 Loss Stats
 
Below is another link that takes you to a page on the  Insurance Information Institute, Inc. website that provides Flood Statistics.
Facts + Statistics: Flood Insurance

Flood Adjuster Capacity Program Manual

NOVEMBER 2023 EDITION, here is a summary from the manual.

"FEMA and the NFIP do not hire, train, or assign claims to independent adjusters. However, FEMA must be prepared to provide for an extraordinarily large event or a succession of mid-sized events to ensure there are enough well-trained adjusters ready to provide exceptional customer service to NFIP policyholders. Because of this, FEMA initiated the FACP, setting minimum training standards designed to increase the number of adjusters who are trained in servicing NFIP flood claims. The FACP, by design, encourages the
NFIP Direct, WYO companies, and independent adjusting firms to jointly enhance the recruitment, training, and professional development of NFIP claim adjusters"

The above is from the manual. Here is a link to the manual - updated 8/10/25

Affordable Aerial Roof & Wall Measurements

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...
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NFIP FACTS AND STATISTICS

Subject: NFIP FACTS AND STATISTICS Description: NFIP Facts and Statistics provided by  the  Insurance Information...
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NFIP Dwelling Form

Subject: Policy: NFIP Dwelling Form Description: Quote from FEMA; The Dwelling Policy Form may be issued to homeowners,...
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NFIP Adjuster Fee Schedule

9/29/2023 Update:  "FEMA has revised its NFIP Adjuster Fee Schedule. The revised NFIP Adjuster Fee Schedule will be effective on October...
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