Insurance adjuster, Mike McConaghy reviews remains of home at Shell Point following Hurricane Dennis.

Shell Pt., Fla., July 18, 2005 -- Insurance adjuster, Mike McConaghy reviews remains of home at Shell Point following Hurricane Dennis. FEMA photo/Andrea Booher Photo by Andrea Booher - Jul 17, 2005 - Location: Shell Pt., FL

Adjuster Preliminary Damage Assessment Overview

NFIP Authorized Adjusters are required to submit an Adjuster Preliminary Damage Assessment (APDA) form once a structure has been inspected and the adjuster has determined that it may be substantially damaged.

NFIP
Authorized Adjusters may view standards and requirements at the following link:
Adjuster Claims Manual


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.”

The APDA form, FEMA Form 086-0-20, may be downloaded at the following link:
Adjuster Preliminary Damage Assessment 


The authority to collect the information is Title 42, U.S. Code, Section 4001-4028.   


The completed APDA form should be emailed to NFIP BSA or faxed to:
 301-577-3421. The subject line of the email should read “APDA Enclosed.”