eWatermark Logo
eWatermark Logo eWatermark Logo
Home Insurance Mitigation All Audiences Events Publications Websites Search About Us Watermark Menu
Wednesday, 16 April 2014

Recent Articles

(8/22/2013)

(8/22/2013)

Know Your Line: Be Flood Aware
(8/22/2013)

Upcoming Changes to the NFIP – Recent Flood Insurance Legislation will Affect Subsidized Rates for Pre-FIRM Buildings
(1/29/2013)

Answers to Questions about the National Flood Insurance Program’s Community Rating System (CRS)
(1/29/2013)

States and Communities Work to Coordinate Building Codes and Floodplain Management Ordinances
(1/29/2013)

Flood Insurance Manual:
October 1, 2012
(9/13/2012)

FloodSmart Websites Offer New Resources for FloodSmart Partners and Agents
9/13/2012)

Disputing Flood Zones
(9/13/2012)

The 2012 National Flood Conference
(8/2/2012)

Helping Non-Participating Communities with Special Flood Hazard Areas Understand the Benefits of the NFIP
(8/2/2012)

Engineering Principles and Practices for Retrofitting Flood-Prone Residential Structures
(8/2/2012)

FEMA Recognizes the State of Florida for Strengthening Statewide Building Code
(6/25/2012)

Related Links
- NFIP Website
- FloodSmart Website
- Insurance Professional Info
- FEMA Mitigation Info
- Watermark e-Notification
- Archive of Printed Watermarks

Watermark

Other Links
- NFIP Bureau iServices
- Acronym/Glossary List

DHS FEMA NFIP Services - eWaterwark

Specialized NFIP Training for Adjusters

NFIP-certified claims adjusters play a pivotal role in post-flood response and recovery. It is often the claims adjuster who explains to recent flood victims what their flood insurance policy covers as well as limitations to that coverage.

In areas that have been struck by a hurricane or tropical storm, the claims adjuster has the added challenge of distinguishing between flood- and wind-related damage in assessing losses.

Adjusters are on the front line of disaster response. And it is the adjuster's careful and responsive handling of a loss that will determine how quickly the claim is processed and paid.


Claims Training

Adjusters must have a thorough understanding of the flood insurance policy as well as the ability to explain it to others. For this reason, each year the NFIP offers 24 or more claims workshops around the country for adjusters. In 2007, 29 workshops have been scheduled for 18 states, plus Puerto Rico (see sidebar). Multiple workshops are scheduled for Florida, California, Louisiana, North Carolina, South Carolina, and Texas because the largest portion of flood insurance losses usually occurs in these states. Additional NFIP claim workshops can be scheduled throughout the year at the request of a WYO company or claims adjustment firm.

Claims workshops center around the three forms of the Standard Flood Insurance Policy: the Dwelling Form, the General Property Form, and the Residential Condominium Building Association Policy (RCBAP) Form. In addition to providing basic information about each policy, special emphasis is placed on general conditions of flooding and substantial damage issues as well as the complexity of claims processing concerns relating to basements, elevated buildings, and condominium coverage. Each workshop also addresses the Increased Cost of Compliance (ICC) coverage and how it relates to the community administration of floodplain management laws or ordinances, mitigation options available under ICC, and the technical assistance available to State and local officials after a flooding event.


2007 Claims Workshops

Alabama, California, Colorado, Florida, Illinois, Louisiana, Maryland, Massachusetts, Mississippi, Missouri, New York, North Carolina, Pennsylvania, Puerto Rico, South Carolina, Texas, Virginia, Washington, West Virginia

Go to NFIP's Claims Presentation page for locations, dates, and registration information for these workshops.


Certification

The NFIP maintains a database of independent adjusters who are certified to adjust flood claims for WYO companies who use the services of independent adjusters and for the NFIP Direct Servicing Agent.

Those who seek certification by the NFIP must meet the established minimum qualifications. Although there are several certification categories that require different degrees of experience, all NFIP-certified adjusters are required to attend one of the program's claims workshops each year to stay up to date with changes in underwriting policies and claims procedures and to maintain certification. Several states accept attendance at the NFIP claims workshops for Continuing Education credit. These include Florida, Georgia, Mississippi, North Carolina, Oklahoma, Texas, and Puerto Rico.

Certification applications are available online or by faxing a request to the NFIP Bureau and Statistical Agent (301-918-1476). Visit the NFIP's claims adjuster page for more information about upcoming claims workshops, NFIP publications, and access to the entire text of the Adjuster Claims Manual. Also available on this page is the NFIP's Flood Insurance Manual, which contains explanations of all NFIP policies as well as limitations to coverage.


Information Available on the NFIP's Claims Adjusters page:
  • Updated listing of Adjuster Certification Workshops
  • Adjuster Certification Application
  • Adjuster Fee Schedule and Updated Fee Schedule
  • Adjuster Claims Manual
  • Adjuster Preliminary Damage Assessment Form
  • Claims Forms
  • NFIP Claims Handbook (including faxable, black-and-white versions in English and Spanish)
  • A Disaster Support Resources list, including post-hurricane information
  • An updated list of Flood Disaster Offices in operation
  • An explanation of the steps for Assignment of Coverage D - Increased Cost of Compliance Coverage
  • Summary of Coverage (available in English and Spanish)
Check out FloodSmart.gov!
Business-Driven Technologies.
Last Modified: Friday, 21 January 2011
Home | FEMA NFIP | Accessibility Statement