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 four types of registration:

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

Qualifications

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

Residential and Manufactured (Mobile) Homes Registration

To be approved for Residential or Manufactured (Mobile) Homes losses, or both, 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 $250,000 for residential losses.
3. Have attended a NFIP claims presentation 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.

Commercial and RCBAP Registration

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

1. Have at least 5 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 for commercial losses.
3. Be capable of preparing an accurate scope of damage and dollar estimate of $1,000,000 or more for RCBAP losses.
4. Submit written recommendations from three insurance company supervisory or claim management personnel. The recommendations must verify adjusting experience only.

In 2025, the NFIP has combined large and small commercial into one classification. If you currently possess only small or large commercial, or both, your Flood Control Number (FCN) will automatically be modified to commercial classification after completing the annual NFIP claims presentation. Submitting a new Adjuster Application form is not necessary.  

The NFIP will automatically renew active adjusters when they attend the annual NFIP claims presentation. FEMA reserves the right to request a new application from any adjuster when needed to update records.   

2025 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 becoming 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. 

Section 5.3 of the Manual outlines trainee eligibility and requirements. Trainees will receive their own trainee FCN number on their FCN card and include the name of their FACP Adjusting firm. The FACP adjusting firm will assist with completing the application to receive a trainee adjusting card. 

2025 FACP Trainee FCN Card: