National Flood Insurance Program 

U.S. Department of Homeland Security 

FEMA seal
P.O. Box 310 
Lanham, MD 20703-0310 

W-08052 
August 19, 2008 
MEMORANDUM FOR: Write Your Own (WYO) Company Principal Coordinators, 

 NFIP Servicing Agent, and Independent Adjusting Firms 
FROM: WYO Clearinghouse 
SUBJECT: NFIP Adjuster Fee Schedule – 2008 Revision 

David I. Maurstad, the Federal Insurance Administrator, has approved revisions to the Adjuster Fee 
Schedule affecting Allocated Loss Adjustment Expense payments (including claims involving Group 
Flood Policies) to Independent Adjusting Firms hired by the Write Your Own Companies and the 
NFIP Servicing Agent. Please note that four of the ranges have been compressed to two ranges. 

There are no changes to the separate Increased Cost of Compliance (ICC) fee schedule. 

The new Adjuster Fee Schedule will be effective for dates of loss on or after September 1, 2008. 
Please distribute this information to the appropriate personnel in your organization. 

Attachments 

cc: Vendors, IBHS, FIPNC, Government Technical Representative 
Suggested Routing: Accounting, Data Processing, Claims, Marketing 

www.fema.gov 


NFIP Fee Schedule 

For Claims with Dates of Loss on or after September 1, 2008 

Claim Range Fee 
Erroneous Assignment $70.00 
Closed Without Payment (CWOP) 275.00 
.01 - $1,000.00 375.00 
1,000.01 – 5,000.00 600.00 
5,000.01 – 10,000.00 800.00 
10,000.01 – 15,000.00 925.00 
15,000.01 – 25,000.00 1,025.00 
25,000.01 – 35,000.00 1,175.00 
35,000.01 – 50,000.00 1,400.00 
50,000.01 – 100,000.00 3% but not less than $1,600 
100,000.01 – 250,000.00 2.3%, but not less than $3,000 
250,000.01 and up 2.1%, but not less than $5,750 

Note: Based on Gross Loss 

Gross loss shall mean the agreed cost to repair before application of depreciation, 
deductible, or other limiting clauses or conditions. 

For the purpose of this schedule, should the loss exceed the available coverage, gross loss 
shall mean the total amount of coverage available. 

If the claim involves salvage “buy-back,” gross loss shall mean the amount of the claim 
before the salvage value is deducted. 

The Closed Without Payment (CWOP) fee should only be paid after an adjuster site visit, 
with accompanying photos, and completion of the required forms. 

The NFIP reserves the right to withhold compensation on adjustment work that is 

deemed: 

1) Not to comply with NFIP’s standards; or 

2) Improperly prepared, thereby requiring the claim to be substantially 

readjusted; or 

3) Not timely adjusted, thereby requiring reassignment. 


Increased Cost of Compliance (ICC) Fee Schedule – Allocated LAE 
(Used for ICC Claims with Dates of Loss of September 1, 2004, and Later) 

Claim Range Fee 
Erroneous Assignment $60.00 
Closed Without Payment (CWOP) 225.00 
.01 - $1,000.00 300.00 
1,000.01 – 2,500.00 425.00 
2,500.01 – 5,000.00 500.00 
5,000.01 – 7,500.00 575.00 
7,500.01 – 10,000.00 650.00 
10,000.01 – 15,000.00 750.00 
15,000.01 – 25,000.00 850.00 
25,000.01 – 30,000.00 1,000.00 

Upon FEMA request, WYO company must provide supporting detail for the reported 
expense.