NFIP Flood Claims Automation Platform
Standardize NFIP workflows, eliminate inconsistencies, reduce RAPs, and accelerate claims processing with FloodAI’s automated intake, damage assessment support, compliance engine, and audit-ready reporting.
NFIP Claims Are Complex, Inconsistent, and High-Risk
The NFIP system hasn’t changed in decades — but expectations have. Every year, FEMA tightens compliance, documentation standards rise, and WYO carriers demand faster, more accurate claims.
Meanwhile:
Adjusters document claims differently
Photo organization is inconsistent
Scopes vary widely claim-to-claim
Missing documentation leads to RAP requests
Manual intake slows everything down
IA firms face unpredictable quality and cycle time
This creates audit exposure, delayed payments, and friction with policyholders.
FloodAI Standardizes NFIP Claims End-to-End
FloodAI is the first AI-powered NFIP automation platform designed specifically for:
Independent Adjusting Firms
WYO Carriers
Flood Adjusters
FloodAI transforms flood claims into a repeatable, consistent, audit-proof workflow.
The FloodAI Automation Suite
1. AI Intake & Triage
Automatically extract new claim emails, read attachments, identify coverage forms, tag photos, and route claims to the correct adjuster instantly.
Benefits:
90% reduction in intake time
No missed claims
Immediate adjuster assignment
2. Smart Damage Assessment
AI analyzes photos, identifies rooms and materials, detects damage severity, and helps ensure consistent scoping before estimates are created.
Benefits:
Improved estimate accuracy
Fewer supplemental requests
Solid documentation from day one
3. Automated NFIP Compliance Engine
Every claim is validated against FEMA/NFIP rules in real time. Incorrect scopes, missing documentation, and inconsistent pricing are flagged automatically.
Benefits:
Ultra-low audit risk
Fewer denials
Consistent, defensible decisions
4. RAP Review Automation
FloodAI compares initial vs final estimates, checks pricing, detects scope expansion, validates policy limits, and generates NFIP-compliant RAP narratives in minutes.
Benefits:
Up to 80% RAP reduction
Faster supplements
Less back-and-forth with insurers
5. AI-Generated NFIP Reports
Everything required for submission — photos, notes, Xactimate summaries, documentation, contents lists, and compliance data — automatically compiled into a clean, NFIP-compliant final report.
Benefits:
50% faster submissions
No missing forms
Audit-ready clarity
The Impact on IA Firms & WYOs
FloodAI delivers real, measurable results:
90% faster FNOL & intake
80% fewer RAP requests
50% reduction in cycle time
60–70% fewer documentation issues
Consistent scoping across all adjusters
Audit-ready reports every time
This is what happens when claims finally move through a standardized, algorithmic workflow.
Built for NFIP Claims Professionals
IA Firms
Standardize workflows, reduce inconsistencies, and shorten cycle times.
WYO Carriers
Ensure documentation, coverage decisions, and reporting meet NFIP expectations.
Flood Adjusters
Spend more time scoping and less time doing repetitive administrative work.
FEMA Compliance Is Getting Stricter — Automation Is the Only Scalable Answer
Every claim requires:
Proper coverage identification
Accurate scope alignment
Photo-to-line-item correlation
Consistent documentation
Proof of direct physical loss
Standardized pricing
Correct application of policy limits
FloodAI ensures these standards are met every time, for every adjuster, on every claim.
Built by Adjusters, for Adjusters
FloodAI is designed by real NFIP experts, leveraging 10+ years of field adjusting and IA leadership experience.
The platform reflects the exact workflow FEMA expects — not generic insurance AI.
Experience NFIP Automation
See how FloodAI can transform your NFIP operations, reduce audit risk, and streamline workflows from FNOL to final report.
No commitment.
No long-term contracts.
Early Access Program launching for Hurricane Season 2026.