01
Dwelling and contents flood claims
Single-family and residential claims under the Dwelling Form, with waterline documentation, building and contents separation, and estimates to NFIP pricing and guidelines.
NFIP Flood Claims Adjusting and Review
National Flood Insurance Program claims handled to the Standard Flood Insurance Policy and the Write Your Own carrier’s standards, by a principal certified at all four NFIP levels: residential, commercial, Residential Condominium Building Association Policy (RCBAP) and mobile home.
NFIP all four levelsRCBAP condominiumWrite Your Own carriersWind versus waterProof of loss
Who we serve
- Write Your Own carriers
- Flood claims vendors
- Independent adjusting firms
- TPAs
- Public entities with flood coverage
Flood claims built to survive NFIP review
Flood files are audited differently from standard property claims. The Standard Flood Insurance Policy limits what is covered below the lowest elevated floor, separates building and contents, and requires a timely, signed proof of loss. Files that miss those details are the ones that get reopened and reinspected on program review.
The firm adjusts and reviews flood claims from single-family dwellings to multi-building condominium associations, and it handles the hurricane files where wind and storm surge damaged the same structure. On public buildings, flood proceeds also drive the Section 406(d) reduction and the Section 312 offset against FEMA Public Assistance, which the firm reconciles as part of its recovery work.
Flood surge capacity is available through the firm’s roster of certified NFIP flood adjusters.
Credentials behind the work
DesignationExecutive General Adjuster
Experience25+ years P&C catastrophe
PerformanceTop 5%: quality, cycle time, service
NFIPRCBAP, commercial, HO, MH
LicenseTexas DHS, reciprocal
EstimatingXactimate, Cotality Estimate
Services
Flood claim services
02
Commercial flood claims
Non-residential buildings and contents under the General Property Form, including coordination with commercial wind and property carriers on the same loss.
03
RCBAP condominium claims
Condominium association buildings under the Residential Condominium Building Association Policy, including common elements, unit allocation and coinsurance.
04
Mobile and manufactured home claims
Flood claims on manufactured housing, including anchoring and elevation considerations that affect coverage and scope.
05
Wind versus water allocation
Causation and allocation on hurricane losses where wind and storm surge damaged the same structure, documented for both the flood and the wind carrier.
06
Flood file review and reinspection
Independent review of flood estimates, proof of loss documentation and reserves, with reinspection where the file requires it.
How it works
From flood assignment to closed file
STEP 1
Assign
Assignment under the carrier’s flood program and contact within service windows.
STEP 2
Inspect
Waterline, measurements, photos and building and contents inventory.
STEP 3
Estimate
Estimate to NFIP pricing with coverage applied by policy form.
STEP 4
Proof of loss
Documentation and proof of loss support within program deadlines.
STEP 5
Close
Audit-ready file and supplements as warranted.
Questions
Frequently asked questions
Q01
Is the firm NFIP certified?
Yes. The principal holds NFIP flood certification at all four levels: residential, commercial, RCBAP condominium and mobile home.
Q02
Who does the firm adjust flood claims for?
Write Your Own carriers, flood claims vendors, independent adjusting firms and TPAs. The firm also reviews flood recoveries for public entities reconciling insurance against FEMA Public Assistance.
Q03
Does the firm handle wind and flood on the same loss?
Yes. Wind versus water causation and allocation is a core part of hurricane work, and the documentation is built for both the flood and the wind carrier.
Q04
Does the firm help policyholders file flood claims?
No. The firm does not act as a public adjuster and does not represent policyholders. Policyholders should contact their flood insurer or agent.
Q05
What happens to flood claims if NFIP authorization lapses?
The NFIP runs on short-term extensions; it is currently authorized through December 11, 2026 under a continuing resolution. During a lapse FEMA cannot issue new policies or renew expiring ones, but existing policies remain in force and claims continue to be adjusted and paid.
Q06
Can the firm staff flood adjusters for an event?
Yes. The firm maintains a roster of certified NFIP flood adjusters engaged as independent contractors, with senior review by the principal.
Continue
Related services and guides
Have flood claims to place?
Send the event, the policy forms involved and the expected volume. A capability statement, W-9 and certificates of insurance are furnished on request.