Flood Adjusting

Picture of flooded neighborhood
Course information



3.5 days

This 3.5 day course is designed to aid adjusters in understanding the unique differences in NFIP flood policies and assist them in completely handling a claim file in the desired manner.

Vale Training Solutions has consulted with the top NFIP industry professionals, FEMA, and Independent Adjusting Firms in development of our flood training curriculum.

Our curriculum has proven results and our graduates possess the necessary skills:

  • To meet the demands of the WYOs and the National Flood Insurance Program
  • To reduce flood claim cycle time through software proficiency and lower claim revisions rates
  • To ensure the future success of the NFIP by focusing on current customer service and ethics issues
  • To provide the NFIP policy holder with best possible flood claims experience

Vale flood graduates learn through a variety of teaching methods which include:

  • Classroom instruction taught by a certified NFIP professional
  • Hands on learning in our mock flood house
  • Peer to Peer learning
  • Role playing to develop useful soft skill techniques
  • Daily tests to track progress, a final exam to demonstrate comprehension of subject matter and must submit a completed flood claim that passes review in order to receive Vale certification

Vale Flood Training offers customization of our flood curriculum to meet your specific needs including:

  • Claims Software
  • Specific client requirements
  • Solutions to address specific training concerns

This course includes information taken directly from the National Flood insurance Program Adjuster Claims Manual revised January 2010. The course will deal with basic adjustment issues and NFIP forms and documents. It will address the three different claims settlement procedures as they apply to single family owner occupied residences, manufactured or mobile homes and travel trailers, and two, three or four family dwellings that do not qualify for replacement cost coverage and buildings that are not used exclusively for single family residences.

Additional consideration will be given to other basic issues like additions and extensions, basements, contents and proper application of depreciation. Students will learn to file the ‘Primary Damage Assessment Form’, the Non-Waiver Form and the ‘Proof of Loss’.  Attention will also be given to repair vs. replacement, overhead and profit and settling losses where the SFIP (Standard Flood Insurance Policy) is either primary or secondary insurance.

The form section will address the Flood Questionnaire, the Preliminary Report, and the Advance Payment Request. This course will also address the Statement as to Full Cost of Repair or Replacement, the Cause of Loss and Subrogation form, and NFIP Final Report.

Instruction on ‘Special Adjustment Issues – Students will discuss HVAC and solar panel issues, bailee goods, boathouses, carpeting and drapery, and cisterns.

Attention will be given to Closed Basin Lakes, Continuous Lake Flooding and the Coastal Barrier Resources System. Additionally the course will deal with substantial improvement, condemnation and the proper handling of commercial losses. This course is designed to address all the issues typically confronting flood adjusters from ‘Repetitive Loss’ to ‘Reformation’ and ‘Stock Losses’ under the General Property Form.

At its conclusion students will be better prepared to properly investigate and have a more thorough understanding of their responsibilities to FEMA and the NFIP.

Vale Training Solutions offers Continuing Education for this course at a charge of $2.00 per credit hour.  Please see the state listing below for available CE credits.

Continuing Education Units:

Texas 15 hours
Delaware 15 hours
Indiana 15 hours
Mississippi 15 hours
Oklahoma 15 hours
Georgia 15 hours
North Carolina 6 hours

Canada | Manitoba 12 hours
Canada | British Columbia 8 hours


All NFIP Certified Adjusters




Basic Adjustment Issues
Loss Settlement
Additions and Extensions
Preliminary Damage Assessment Report
Advanced Payments
Basements and Contents Coverage
Contents Manipulation
Evidence of Loss Flood Definition
Improvements and Betterments
Lease Agreements/Insurable Interest
Non – Waiver Agreement
Other Insurance Clause and Settlement

Residential Condominium Association Policy (RCBAP)
Limits of Liability           
Overhead and Profit
Pollution Control                    
Proof of Loss            
Repair vs. Replacement  
Remediation, Drying, Emergency Services
Replacement Cost Coverage
Reservation of Rights
Reserves and Salvage         
Special Loss Settlement

NFIP Forms and Documents
Flood Questionnaire
Adjuster Preliminary Damage Assessment
Preliminary Report
Advance Payment Request
Proof of Loss
Settlement as to Full Cost of Repair or Replacement
Cause of Loss and Subrogation
NFIP Final Report

Special Adjustment Issues
Air Conditioning and Solar Heating Elements
Bailee Goods
Boathouses; Non – Boathouse Parts  
Carpets and Drapes
Closed Basin Lakes and Continuous Lake Flooding
Coastal Barrier Resources System  
Commercial Losses
Condemnation of Property

Special Settlement Issues
Condo Unit Owner Dwelling Form and Personal Property
Assessment Coverage
Constructive Total Loss
Elevated Buildings
Attached Garages
Detached Garages
Covered Property in Basements
Erosion and Wave Wash
Fiberboard Sheathing/Blackboard

Additional Special Settlement Issues
Food in Freezers
Walk-in Freezers
Garages and Policies
Ice and Debris Impact Damage
Manufactured (Mobile) Homes and Travel Trailers
Special Mudflow Issues
Property Removed to Safety
Final Special Settlement Issues
Reformation of Coverage
Repetitive Loss Structures and Previous Claims
Additional Non-Covered Property
Stock (Personal Property) Losses Under the General Property Form
Swimming Pools, Hot Tubs and Spas
Travel Trailers and Blinds
Mildew or Mold Coverage
Water Softeners and Pumps

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