Adjuster Preliminary Damage Assessment Overview
National Flood Insurance Program (NFIP) authorized adjusters play a vital role in the claims process. Follow the required steps for assessing and reporting potential substantial damage using the Adjuster Preliminary Damage Assessment (APDA) form.
Submitting the form for substantially damaged structures
NFIP authorized adjusters are required to submit an APDA form once a structure has been inspected and the adjuster has determined that it may be substantially damaged.
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What is substantial damage?
Substantial damage is defined as “a structure that has had flood damage in which the cost to repair equals or exceeds 50% of the market value of the structure at the time of the flood.”
FAQs
They can find standards and requirements listed in the Claims Manual.
The authority to collect the information is Title 42, U.S. Code, Section 4001-4028.
The completed APDA form should be emailed to NFIPClaimsMailbox@fema.dhs.gov, with the subject line “APDA Enclosed.”