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We will be performing server maintenance beginning Thursday, February 22nd, 2018 at 8:00 AM EST. Service is expected to be restored by 9:00 AM EST. However, this could run over. During this time Independent Study exams will not be available. Please contact us if you experience any issues outside of this maintenance window.

Notice: Independent Study Exams now require a FEMA Student Identification (SID) Number. If you do not yet have a SID, register for one today: Please do not contact the Independent Study program office as they are unable to provide assistance with these requests.

If you have an inquiry regarding the FEMA Independent Study Program, NIMS or other Emergency Management Institute (EMI) related requests such as: requests for certificates, transcripts, online test scores/results, please contact the FEMA Independent Study program office at 301-447-1200 or email for further assistance. Please do not contact the FEMA SID Help Desk as they are unable to provide assistance with these requests.

IS-1100.A: Increased Cost of Compliance

PLEASE NOTE: These courses are NOT approved for continuing education (CE) credit by any State Department of Insurance.

Upon successfully passing the exam, you will receive a Certificate of Achievement noting CE earned through the International Association for Continuing Education & Training (IACET). Each hour of instruction completed earns 0.1 CE Unit through IACET (.1 CE Unit = one CE). If you are taking a FEMA EMI Independent Study course in order to earn CE, be sure to confirm in advance that your professional board or other preferred entity will accept IACET CE. You can also check IACET's website for a list of entities that accept IACET CE at FEMA accepts IACETs.

Course Date


Course Overview

After severe flooding, local communities must assess a building’s damage to assure compliance with local floodplain management ordinance provisions. Before building repair or reconstruction is permitted, it may be necessary to require certain measures to reduce future flood damage. Increased Cost of Compliance (ICC) coverage is available under the NFIP Standard Flood Insurance Policy to assist policyholders with the cost to comply with these requirements. This course provides the claims adjuster and insurance agent with the ICC information to assist and guide the policyholder through the mitigation claims process after a flood loss, while collaborating with the local community. Increased Cost of Compliance course provides an overview of ICC coverage and eligibility and takes the learner through the claims process to gain a better understanding of this important coverage benefit.

Course Objectives:

At the end of this course, you will be able to:
  • Discuss ICC coverage, eligibility requirements, and exclusions
  • Define BFE, FEMA-provided ABFE, and Best Available Data
  • Define substantial damage determination
  • Explain the four eligible ICC compliance activities (FRED)
  • Describe the steps a policyholder must take once the community has declared a building as substantially or repetitively damaged
  • Describe the steps a policyholder must take before ICC work can begin
  • State the timeframe for completing ICC work
  • Describe the steps the policyholder must take to obtain an ICC payment
  • Identify the documents that are necessary for ICC claim processing and payment
  • Identify the responsibilities of the team members who assist a policyholder through the ICC claim process

Primary Audience

Insurance Agents, Adjusters, Floodplain Managers, Building Code Officials, Local Government Officials and Property Owners.





Course Length:

1 hour
Take This Course
Take Final Exam
  • Test questions are scrambled to protect test integrity
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