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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,

read more
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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Citizens Updates Hurricane Ian Estimates

Citizens Press Release

November 15, 2022 - Tallahassee

Citizens Property Insurance Corporation has updated its Hurricane Ian estimates to reflect additional costs expected from litigation and other claims-related expenses.

Citizens estimates that direct losses and loss adjustment expenses will total $3.8 billion from the Category 4 storm that slammed into Southwest Florida on September 28, 2022. This represents a significant increase over the preliminary estimate of $2.3 billion to $2.6 billion, which was based strictly on the results of a single hurricane model.


FEMA Projects Up to $3.5 - $5.3 Billion in Hurricane Ian Flood Insurance Claims Payments

From a FEMA News Article:
Release Date:
November 10, 2022

WASHINGTON -- As of Nov. 10, the National Flood Insurance Program (NFIP) has received more than 44,000 flood claims from Hurricane Ian and has paid nearly $437 million to policyholders.

FEMA’s initial estimate projects Hurricane Ian could potentially result in NFIP claims losses between $3.5 - $5.3 billion, including loss adjustment expenses. The losses include flood insurance claims received from five states, with the majority of claims coming from Florida.

The agency based the initial estimate on several data points. These include policy information, daily reports of claims and payments made, significant historical events patterns of reported claims and payments, current economic conditions and claim adjuster observations.


Hurricane Ian Insurance Claims

Updated 12/19

The Florida Office of Insurance Regulation (OIR) has reported that the Total Estimated Insured Losses per data as of 12/7/2022 is $10,506,624,150 and the total claims of 657,609 with 61.9% reported closed.

The information above is from the Florida Office of Insurance Regulation (OIR) website.

"OIR captures data in its efforts to evaluate catastrophe claims and compels all insurers to report data as of each required reporting date, per section 624.307, Florida Statutes. This aggregate information is compiled from claims data filed by insurers. It has not been audited or independently verified. Companies were required to begin submitting data on September 30, 2022, and the data covers all claims based on filings received by OIR to date. "

 

photo from the CADO Gallery,  not Ian Damage


Hurricane Ian Makes Landfall

000
WTNT64 KNHC 281910
TCUAT4
Hurricane Ian Tropical Cyclone Update
NWS National Hurricane Center Miami FL AL092022
310 PM EDT Wed Sep 28 2022

...EXTREMELY DANGEROUS CATEGORY 4 HURRICANE IAN MAKES LANDFALL IN SOUTHWESTERN FLORIDA...

NOAA Doppler radar imagery indicates that the eye of Ian made landfall along the southwestern coast of Florida near Cayo Costa around 305 PM EDT (1905 UTC). Data from an Air Force Reserve reconnaissance aircraft indicate that Ian's maximum sustained winds were estimated to be near 150 mph (240 km/h). The latest minimum central pressure estimated from reconnaissance data is 940 mb (27.75 inches).

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

Simply Snap, Speak & Send

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

Adjuster Estimates