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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

Click here for Appendices for the NFIP Claims Manual

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

Current Claims Manual Effective 6/29/2023

Effective October 1, 2021
Table of Changes to the 10-2021 Manual
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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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 .

read more
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

NFIP Adjuster Claims Presentation Schedule

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What are they saying about us

Comm Guy
/ Categories: CADO Blog

Recent articles published by Bloomberg a copy of which I've posted in the forums completely disparage the work we do. We are seen as mere puppets who foolishly obey our carrier and vendor masters with no forethought or ethics. We can basically be bought off and only follow orders. We are the fall guys in the war between unhappy insureds and the carriers in this post Katrina era. Folks who call themselves adjusters become whistleblowers. We are accused of falsifying reports, improperly attributing damages and pretty well being downright dishonest. Of course the media needs to sell newspapers and we all know good news doesn't sell. We don't hear about the good work done, the long hours, the hardships that we endure in providing our services. I won't pretend we're perfect I've been around to long to know better , but we need to make known our role in the claims settlement process. The public and media need to understand that we accumulate facts and submit recommendations for a final approval and decision from the carriers. We operate under instruction from our principals however I do not for one believe that we are robotic in the process. What should we do? How do we convey the image that we want the public to see? Is there something wrong in the way we are acting? Your thoughts are welcome.

Tags

Adjusters

Comment

kmsprez1 · 9/19/2008 11:26:13 AM

wanna help me establish an Adjusters Union? Adjuster have never been represented and will continue to be abused until they create a power hold.

mousidd · 1/26/2010 12:04:49 PM

Absolutely! This is a great idea. We could start here. All the adjusters come together and voice our opinions and problems we have to face.

jeff suggs · 11/21/2011 2:31:47 PM

My name is Jeff Suggs and in my business I have been dealing with insurers and their adjusters for the past 24 years. I totally agree with your blog. I just posted a blog on my Well-Adjusted account and my WordPress blog site about my experience with insurers and adjusters. I call this blog "The world of insurance companies and the adjusters that make it turn" I have seen thousands of people receive very large checks for repairs on their vehicles and then never have the repairs done. This is my opinion is not right, but claimants will do anything for that check.

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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

Follow these links to see all WYO Bulletins and to check on new Bulletins:  2023 Bulletins | 2022 Bulletins | 2021 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.

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

Flood Adjuster Capacity Program Manual

This manual has publish date of July 2019, here is a summary from the manual.

"FEMA is dedicated to increasing the nation’s disaster resiliency. To this end, FEMA’s NFIP is working hard to increase the number of households and businesses that are protected by flood insurance. As the flood insurance policy count grows, FEMA will need to maintain a high level of customer satisfaction throughout the claims process. To make this possible, FEMA has initiated the Flood Adjuster Capacity Program (FACP) and is partnering with WYO Companies, independent adjusting firms, and individual adjusters to increase the number of claims adjusters who are trained and available to help NFIP policyholders after flood events. The FACP will work to strengthen and enhance recruitment, training and professional development for claims adjusters nationwide."

Here is a link to the manual

Sketch My Roof

Additional Resources


NFIP Training Available Online

Roy
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,...

Flood Discussions

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