Are you Authorized or Certified to operate as a flood adjuster? 

Knowing the difference between Authorized or Certified in the adjuster world can make a difference in how you can operate & the things you can or cannot do. Many misunderstand how the flood adjuster classifications work & it's our goal to make that clear for you here in this article. 

One of the most important things in the Flood Adjuster world is your Flood Control Number, commonly known as the FCN Card. The NFIP assigns a unique identifier to each adjusting firm and to all adjuster trainees which is the FCN. Adjusters will receive their own FCN number on their FCN card. But Remember In the Flood Adjusting world, FEMA has their NFIP program to authorize you & give you the permission to be a flood adjuster.

However, in the NFIP program, they don't train you on how to work a flood claim. That's where Top End Adjuster Training

comes in and we can put any adjuster through our NFIP Flood Bootcamp which teaches you how to be a world-class adjuster. From training to Certification it all starts with Top End Adjuster Training. We walk through & teach new adjusters how to operate in the current flood adjusting world.

Become a Certified Flood Adjuster

WHAT EXACTLY IS THE NFIP?

The National Flood Insurance Program, or NFIP, is the insurance arm of the Federal Emergency Management Agency (FEMA). The NIFP was created in conjunction with the National Flood Insurance Act of 1968 following the devastation of Hurricane Betsy. Flood losses tend to be the most costly and widespread flood damage was crippling the era’s private insurance companies. Because insurers weren’t able to offer cost-effective flood coverage, the NFIP was created to maintain a large enough pool of funds to pay for such events. Even today, most standard homeowners policies do not offer flood insurance because it is simply too big a risk for insurance carriers.

WHY SHOULD INDEPENDENT ADJUSTERS GET CERTIFIED THROUGH TOP END ADJUSTER TRAINING? 

While most claims throughout a normal year are not flood-related, those that are usually causing considerable damage. Out of over 650,000+ claims caused by Hurricane Harvey in Texas, roughly 91,000 were NFIP flood claims, totaling over $8.5 billion in payouts. Those claims could only be handled by NFIP-certified adjusters. During the 2017 peak of hurricane season, the demand for flood-certified claims adjusters skyrocketed, but the supply of available and certified adjusters was incredibly low.

Because the NFIP works differently than most other types of insurance, they have different requirements for those who work with and handle claims, including adjusters. The NFIP Bureau and Statistical Agent keep a database of all NFIP certified independent adjusters and their authorization numbers, and these folks are the only adjusters qualified to handle these claims.

One question that is asked often is “How do I get my flood adjuster certification?” Most would believe that FEMA/NFIP certifies the flood adjuster through their program but this is false. FEMA & the NFIP Program offer DOES NOT CERTIFIED adjusters. That is where Top End Adjuster Training comes in. We give adjusters the proper education, training & resources required to become true certified Flood adjusters. GET CERTIFIED

QUALIFICATIONS TO BECOME AN ADJUSTER

An adjuster can be registered for one or all five categories or any combination, if the adjuster's qualifications, detailed on the application, meet the requirements shown below.

Residential, Commercial, And Manufactured (Mobile) Homes Registration

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

1). Have at least 4 consecutive years of full-time property loss adjusting experience.

2). Be capable of preparing an accurate scope of damage and dollar estimate of $50,000 for manufactured (mobile) homes and to $500,000 for residential and commercial losses.

3). Have attended an NFIP workshop and be able to demonstrate knowledge of the SFIP and of NFIP adjustment criteria for all policy forms.

4). Be familiar with manufactured (mobile) homes and Increased Cost of Compliance adjusting techniques.

Large Commercial and RCBAP Registration

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

1). Have at least 5 consecutive years of full-time large-loss property adjusting experience.

2). Be capable of preparing an accurate scope of damage and dollar estimate of $500,000 or more.

3). Submit written recommendations from three insurance company supervisory or claim management personnel. The recommendations must reflect adjusting experience only.

4). Provide information regarding current Errors and Omissions coverage.

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WHERE CAN YOU OBTAIN CERTIFICATION AS A FLOOD ADJUSTER? 

Now that you know that FEMA DOES NOT  provide any type of certification for flood adjusters, you can get certified through us. If you're looking to have a new career or taking your career to the next level as a flood adjuster, you've come to the right visiting Top End Adjuster Training. It's our goal to Train & Certifies adjusters to become the best-trained flood adjuster possible

As a flood adjuster through FEMA, you are only AUTHORIZED but through Top End Adjuster you're CERTIFIED to act as Flood Adjuster.