Adjuster Participation in the National Flood Insurance Program

All independent adjusters who wish to participate must submit the Adjuster’s Registration Application.

Application download instructions: Right click and select save link as. Then save the document to a folder or on your desktop. Right click the saved document and select your Adobe reader to open.

Write Your Own (WYO) company staff adjusters should follow their company's procedures.

The application includes five types of registration:

  1. Residential (Dwelling)
  2. Manufactured (Mobile) Home/Travel Trailer
  3. Small Commercial (General Property)
  4. Large Commercial (General Property)
  5. Condominium (RCBAP).

Qualifications

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 to $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) home 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.

Flood Control Number (FCN) Card

The NFIP assigns a unique identifier to each adjusting firm and to all adjuster trainees. FACP adjusters will receive their own FCN number on their FCN card.

Adjuster Participation Submission and Questions

Please send your completed Adjuster Participation Application to FEMA/NFIP via the following method:
Email: NFIPAdjusterMailbox@fema.dhs.gov
If you have specific questions about the NFIP Adjuster Registration process or your Flood Control Number (FCN) card, please direct your questions to: NFIPAdjusterMailbox@fema.dhs.gov

If you are new and interested in being an adjuster for FEMA’s National Flood Insurance Program (NFIP), FEMA created the Flood Adjuster Capacity Program (FACP) to increase the number of claims adjusters who are trained and available to help NFIP policyholders after flood events. You must participate through an Independent Adjusting Firm.

Additional Resources