NFIP Certification for Adjusters

National Flood Insurance Program (NFIP) certification For Insurance Adjusters

Although most of our adjusting jobs are not flood-related claims, when a flood does happen the payouts are in the billions. If you are not an NFIP-certified adjuster, then you are missing out on big job opportunities. Is NFIP certification an option for you?    

“Develop a passion for learning. If you do, you will never cease to grow. “

-Anthony J. D’Angelo

The National Flood Insurance Program (NFIP) was created by the Federal Emergency Management Agency (FEMA) to assist private insurance companies in covering the large payouts that come with the devastation of extensive flooding. Due to the risk, and inability to offer cost-effective flood coverage, standard homeowners policies often do not cover flood claims. 

The number of available and NFIP certified adjusters is usually much lower than needed. This is why insurance adjusters who qualify should not hesitate to get certified. After you receive your certification, your name and authorization number will be stored in the NFIP database, making it official that you are qualified to handle these claims.

NFIP Certification Requirements

All independent insurance adjusters who wish to become certified must submit the Adjuster Certification Application. This application includes five levels of authorization. Adjusters can be authorized in one to five of the following categories: 

  • Residential (Dwelling)
  • Manufactured (Mobile) Home/Travel Trailer
  • Small Commercial (General Property)
  • Large Commercial (General Property)
  • Condominium (RCBAP)

To be approved for Residential, Commercial, Manufactured (Mobile) Home losses, or any combination thereof, an adjuster must:

  • Have at least 4 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 (mobile) homes and to $500,000 for residential and commercial losses.
  • Have attended an NFIP workshop and be able to demonstrate knowledge of the SFIP and of NFIP adjustment criteria for all policy forms.
  • Be familiar with Manufactured (Mobile) Home and Increased Cost of Compliance adjusting techniques.

To be approved for Large Commercial or RCBAP losses, or both, an adjuster must:

  • Have at least 5 consecutive years of full-time large-loss property adjusting experience.
  • Be capable of preparing an accurate scope of damage and dollar estimate of $500,000 or more.
  • Submit written recommendations from three insurance company supervisory or claim management personnel. The recommendations must reflect adjusting experience only.
  • Provide information regarding current Errors and Omissions coverage.

Is there a fast track for new adjusters?

To be honest, if you do not meet the 4 to 5 year requirement it can be a challenge to get your NFIP certification. However, it’s not impossible. Some companies offer mentorship programs in which an adjuster can receive their certification without the full allotted work history requirement. Reaching out to your network and searching online may help you find an NFIP mentorship program. 
 
FEMA also has begun to offer online courses and hopefully will continue to expand the options offered. We recommend browsing the FEMA website for more information on NFIP certification and staying up-to-date with programs and policies.
 
Are you NFIP certified? Do you have any tips for those of us who are looking to receive certification? Please let us know in the comments section below!
 

2 thoughts on “NFIP Certification for Adjusters

  1. Great post. I am NFIP Authorized. I am looking to get with a firm that has good volume of claims. I have done over 200 flood claims but that is spread out over the years since Sandy. 100+ at Sandy then random claims then 30 floodclaims at Harvey.
    Any advise or pointers?

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