Stepping into flood claims adjusting
The journey of becoming an insurance adjuster, specifically an independent adjuster who specializes in flood claims, is both challenging and rewarding. Flood claims, often resulting from natural disasters, require a nuanced understanding of policies, property damage assessment and empathy towards affected policyholders. This blog aims to guide aspiring insurance claims adjusters on how to navigate the complexities of flood claims, focusing on essential training, certifications and the critical role of catastrophe management services.
Understanding the role: What does a claims adjuster do?
At the core, insurance claims adjusters are professionals who assess property damage, investigate claims to determine an insurance company’s liability, and negotiate settlements. Flood claims adjusters, in particular, work with the National Flood Insurance Program (NFIP) and must understand the unique aspects of flood policies and damage assessments. Their work is pivotal during catastrophe response efforts, where they assess flood damages and expedite the claims process for affected homeowners and businesses.
Pathway to certification: Claims adjuster license & NFIP training
- Getting licensed: The first step in becoming an insurance adjuster is to obtain your claims adjuster license. Requirements vary by state, but typically involve pre-licensing education, passing an exam and undergoing a background check.
- Specializing in flood claims: After obtaining your general license, specialization in flood claims required additional training. The Federal Emergency Management Agency (FEMA) oversees the National Flood Insurance Program (NFIP), which offers specific guidelines and training for adjusters looking to handle flood claims. Aspiring flood claims adjusters must complete the NFIP Adjuster Certification Workshop or equivalent online courses to be eligible to work on NFIP claims.
Crawford Catastrophe Services path to getting flood certified
At Crawford CAT, we’re committed to assisting individuals interested in working flood claims. Our team offers unparalleled help in getting flood certified through three distinct programs: Flood Adjuster Specialized Training (FAST), Flood Adjuster Capacity Program (FACP) and the comprehensive 5-Day Flood Claim Handling course.
- The FAST program is a Crawford-designed course aimed at equipping property adjusters with the skills needed to proficiently write flood claims, covering critical aspects such as interpreting flood policies, recognizing genuine flood damage, documenting water lines accurately and effectively communicating mitigation strategies to policyholders. This intensive two-day training ensures attendees gain a comprehensive understanding of the NFIP program.
- FACP is connected to the NFIP and developed in collaboration with FEMA. This offers a streamlined path for adjusters to achieve their Flood Control Number (FCN) certification. This program not only includes carrier-specific training but also pairs in-office learning with practical field training under the guidance of an approved flood adjuster across a minimum of 10 claims. This approach, coupled with the oversight of a seasoned manager with over a decade of experience in flood claims, ensures that adjusters are not just certified but are also capable of delivering above-average work that satisfies both policyholders and carriers.
- Our 5-Day Flood Claim Handling course offers an even more extensive training experience. This course is meticulously structured to cover every angle of flood claim management, for adjusters with 4+ years of property experience. Participants benefit from an immersive curriculum that combines theoretical knowledge with practical application, ensuring they are well-reserved in the latest standards and practices in flood claims adjustment. By the end of the training, adjusters are fully equipped to manage flood claims with the utmost competence, contributing to higher satisfaction levels among policyholders and carriers alike.
To learn more about becoming a flood adjuster, including requirements and how to get started, head here.
Joining the field: Catastrophe Management Services
Becoming part of a catastrophe response team as an independent adjuster offers the opportunity to provide critical support in the aftermath of floods. Crawford CAT is frequently seeking skilled independent adjusters to deploy in affected areas. These roles require not only technical expertise in handling flood claims but also resilience, adaptability and a strong commitment to helping communities recover from disasters.
Conclusion: Embarking on a rewarding career
The role of insurance claims adjusters, especially those focusing on flood claims, is indispensable in the landscape of catastrophe management. By acquiring the necessary licenses, completing NFIP training and continuously refining their skills, independent adjusters can embark on a fulfilling career path. This journey not only offers professional growth but also the profound satisfaction of aiding individuals and communities through some of their most challenging times.
By following these guidelines and harnessing the resources available, you can navigate the challenging yet rewarding path of becoming a flood claims adjuster.
