Flood Consultants Network (FCN) exists to help commercial building owners and property stakeholders understand the real financial risk of a flood — not just whether a flood insurance policy is in place.

A flood policy doesn’t guarantee a full financial recovery.

The real financial risk shows up when recovery costs exceed what insurance reimburses. This often happens because policy rules are misunderstood, documentation is incomplete, or contractor scope extends beyond what flood insurance will pay.

FCN helps close that gap.

Who We Are

Flood Consultants Network is a team of experienced flood professionals who work inside the National Flood Insurance Program (NFIP) claim system.

Our team includes active NFIP flood adjusters and specialists with deep, hands-on experience applying FEMA policy in real-world flood claims — not in theory, but in the field.

We do not sell insurance.
We are not public adjusters.

We are flood claim strategists.

Our role is to help clients understand how flood policies actually work, how claims are evaluated, and how financial gaps form during recovery — so better decisions can be made before and after a flood.

Our Founder & Leadership

Flood Consultants Network was founded by Vance E. Shimley, a nationally respected flood insurance professional with decades of hands-on experience working inside the NFIP claim system.

Vance serves as the strategic leader of FCN, guiding the firm’s approach, methodology, and education-driven philosophy.

As an active NFIP flood adjuster, Vance brings direct field insight into FEMA policy interpretation, exclusions, limitations, and claim mechanics. Under his leadership, FCN operates as a collaborative team — combining multiple perspectives from within the flood claim process.

Why Flood Consultants Network Exists

Most flood claim problems don’t come from damage.

They come from misunderstanding the policy and the recovery process.

Commercial building owners are often caught between:

What flood insurance reimburses

What recovery actually costs

What contractors include in repair estimates

FCN was created to help clients understand this gap before money is on the line — reducing confusion, pressure, and unexpected out-of-pocket costs during recovery.

What We Do

Flood Consultants Network helps clients:

Understand what flood insurance will and won’t pay for

Identify potential financial gaps before a loss

Align insurance expectations with real recovery costs

Recognize legitimate flood-related contractor scope

Avoid paying for work that is not flood-damaged or not covered

Our work is educational, strategic, and grounded in real-world claim experience.

Our Approach

FCN is built on a simple principle:

Better decisions happen when people understand the rules before the money is on the line.

That’s why our approach emphasizes:

Education over reaction

Preparation over pressure

Precision over assumptions

We work within the flood policy — not against it — helping clients navigate claims and recovery understanding how the system actually functions.

Beyond the Claim

Floods are chaotic.

The process doesn’t have to be.

Flood Consultants Network exists to bring clarity, structure, and confidence to flood recovery — helping businesses prepare beyond the policy and experience fewer financial surprises after a flood.

Flood Consultants Network provides educational and advisory services. We do not sell insurance, perform construction, or act as public adjusters.