Standard Flood Insurance Policy (FEMA Form F-122, 2015)
The Standard Flood Insurance Dwelling Policy Form is issued to homeowners, residential renters and condominium unit-owners or owners of residential buildings containing two to four units.
PDF (331KB)
Policy Forms
Financial Gain In Arson Claims
A guide for an arson investigator to search for and assess motives and evidence in a suspected arson case.
PDF (48KB)
General Reference
Adjuster's Loss Certification and Apportionment of Claim
This form is used to recommend to the insurer the amount of payment for a loss, and apportionment when a property is covered by two or more insurance companies.
PDF (21KB)
Forms Property & Casualty
Cause of Loss and Subrogation Report FEMA Form 086-0-16 (04/17)
The adjuster uses this form to identify potentially responsible third parties and their actions that may have caused worsened flood damage. This includes looking at foundation grading and adequacy of sewer lines.
PDF (475KB)
Forms Flood
Denial - No Coverage (Spanish)
This form letter identifies the claimant, insurer, adjuster and date of loss; it is a claim denial for lack of coverage under the insured's policy.
DOC (45KB)
Letters
Sinkholes - A Link Between Surface Water And Ground Water
A review of sinkholes in West-Central Florida. Identifies the different types of sinkholes that exist and the science behind their formation.
PDF (300KB)
White Papers
Excavation Law - State Directory
One-Call Center directory has phone numbers and websites for all of the United States and Canada , and is a useful resource for utility location and damage prevention when excavation is needed.
PDF (759KB)
Legal Reference
Statement as to Full Cost of Repair or Replacement FEMA Form 086-0-12 (4/14)
This form is used to document the full repair or replacement cost of an insured property.
PDF (388KB)
Forms Flood
Adjuster Preliminary Flood Damage Assessment FEMA Form 086-0-20 (4/17)
This form is used by adjusters to list potentially substantial damaged structures in preparation for possible ICC claims.
PDF (229KB)
Forms Flood
Property Loss Worksheet (Spanish)
Use this worksheet to inventory property and content losses, and obtain an estimate of replacement costs. It contains columns to factor in age, original cost, replacement cost and depreciation to calculate ACV (actual cash value).
PDF (91KB)
Forms Property & Casualty
Denial - Less Than Deductible (Spanish)
A denial letter used when the value of a claim submitted is determined to be less than the insured's deductible.
DOC (55KB)
Letters
Tropical Storm / Hurricane Classification Chart
Hurricane classification chart based on wind speed and and central storm pressure.
PDF (11KB)
General Reference
National Fire Preparedness Levels
The five National Fire Preparedness Levels. Each Preparedness Level has specific management directions.
PDF (10KB)
General Reference
