About our Company

Charter Catastrophe Services, Inc. is a legacy firm with over four decades of hands-on experience in the flood insurance and disaster response arena. Established during Hurricane Frederic in 1979, we have evolved into a highly agile, scalable, and innovative organization delivering expert-level services in claims adjusting, housing inspections, general adjuster oversight, and comprehensive disaster operations support. Our team is composed of deeply experienced professionals, many with direct, on-the-ground deployment during major flood catastrophes, who consistently deliver best-in-class work with precision, speed, and professionalism. From executing over 10,000 FEMA housing inspections in Puerto Rico, subcontracting critical FEMA and NFIP initiatives, to managing thousands of flood insurance claims for both WYO carriers and NFIP Direct, CCS has consistently demonstrated the capacity to adapt, scale, and lead in the nation’s most demanding environments. Our proven track record of successful federal and private partnerships, backed by an unwavering commitment to quality, positions Charter Catastrophe Services as one of the most trusted and capable firms in the disaster recovery industry.

Our Services

NFIP Flood Insurance Claims

We specialize in handling NFIP flood insurance claims with precision, speed, and deep regulatory expertise. Our team of experienced adjusters understands the complexities of the Standard Flood Insurance Policy (SFIP) and FEMA guidelines, ensuring accurate damage assessments, policyholder advocacy, and timely resolution. Whether responding to hurricanes, inland flooding, or localized events, we deliver dependable claims support that protects both carriers and policyholders, from initial inspection through final payment.

FEMA and NFIP Contract Staffing

We provide elite, ready-to-deploy personnel for FEMA and NFIP contractors nationwide. From seasoned flood operations specialists to NFIP subject matter experts and QA professionals, our team is built for performance in high-pressure environments. What sets us apart is our deep understanding of federal program operations and our ability to scale quickly with vetted, mission-driven experts. We don’t just fill seats, we bring smart, adaptable talent that helps agencies meet goals, exceed timelines, and uphold the highest standards of service and compliance.

NFIP Flood File Examiners

We deliver highly skilled file examiners who specialize in both WYO and NFIP Direct programs. Our examiners are fluent in flood policy interpretation, claims file integrity, and FEMA compliance standards, ensuring every claim meets exacting requirements before closure. Whether you're facing a surge in volume or need ongoing support, we provide examiners who work with precision, speed, and accountability. With deep institutional knowledge and a proactive, tech-enabled workflow, we don’t just support your operation , we strengthen it.

Current Project

Charter Catastrophe Services (CCS) proudly serves as the subcontractor under OST Global for the National Flood Insurance Program Standard Operations (NFIPSO), providing the General Adjuster team that has supported NFIP operations for over a decade. Our responsibilities span far beyond standard claims work. We are entrusted with the most critical oversight functions, including the Daily Situation Report, Flood Surveys, Random Check Quality Control (RCQC), Surveys, Impact Reports, the Adjuster Observation Program, Appeals Resolution, Special Assists, and Flood Subject Matter Expertise and Guidance. CCS has assembled an elite, battle-tested team of veteran professionals whose specialized skills, from advanced data analytics, file auditing to field deployment strategy and technical writing, fused together to form a high-performing, solutions-driven team known for its discipline, adaptability, and deep-rooted expertise in the NFIP. CCS has spent the last decade setting the benchmark for excellence in catastrophe response and flood program oversight.