CNC CATASTROPHE & NATIONAL CLAIMS
Independent catastrophe and daily claims management for carriers, the NFIP, and private flood insurers
Overview
CNC Catastrophe and National Claims is an independent claims management company founded in 1988 as CEFCO National Claims, Inc. by Chief Operating Officer Cortez Fowler. With over 35 years of catastrophe response experience and 600+ combined years of adjuster expertise on staff, CNC provides comprehensive insurance claims services including daily and catastrophe claims allocation, first notice of loss (FNOL), third-party administration, forensic engineering, and proprietary claims technology infrastructure.
Operating from a 32,000 square foot campus in Mobile, Alabama with 354 workstations, CNC has managed claims across some of the most significant US catastrophe events, including Hurricane Hugo, the Northridge Earthquake, Hurricane Katrina, and Hurricane Ida. The company serves insurance carriers, the National Flood Insurance Program (NFIP), and private flood insurance companies in both domestic and international markets.
CNC differentiates through its in-house technology team of 26 IT and software developers building proprietary claims management systems, as well as its designation as a Lloyd's of London Delegated Claims Administrator.
Products & Services
Catastrophe Claims Allocation
Daily and catastrophe claims allocation and management services for insurance carriers responding to large-scale loss events.
Key Features
- Rapid mobilization for CAT events
- Experienced adjuster network deployment
- End-to-end claims lifecycle management
Target Users: Property and casualty carriers, reinsurers
Third-Party Administrator (TPA) Services
Full TPA services for property, flood, auto, and liability insurance claims on behalf of carrier partners.
Key Features
- Property, flood, auto, and liability lines
- Domestic and international coverage
- NFIP-authorized flood claims administration
Target Users: Carriers, private flood insurers, NFIP
First Notice of Loss (FNOL)
Rapid FNOL intake and processing services integrated into claims workflows.
Key Features
- Timely intake and assignment
- Structured data capture
- Integration with claims management platform
Target Users: Carriers, TPAs
Forensic Engineering Services
Specialized forensic engineering support for complex claims assessment.
Key Features
- Cause and origin investigation
- Structural damage assessment
- Expert documentation for litigation support
Target Users: Carriers, legal teams
Claims Technology Infrastructure
Proprietary claims management platform built and maintained by an in-house development team.
Key Features
- 26 in-house IT and software developers
- Claimsource internal claims system
- Industry-standard claim allocation integrations
Target Users: Carrier partners using CNC TPA services
Adjuster Training & Education
Training programs including field, classroom, and virtual formats, plus The New Adjuster Podcast and webinars.
Key Features
- Field and virtual adjuster training
- NFIP Claims Adjuster Webinars
- The New Adjuster Podcast
- The Connecting Women in Insurance with Julie podcast
Target Users: Claims adjusters, insurance professionals
At a Glance
- Founded
- 1988
- Headquarters
- Mobile, Alabama, USA
- Employees
- 201-500
- Funding
- Bootstrapped
Category & Focus
- Category
- Claims Technology
- Subcategories
- TPA Services Catastrophe Claims Management FNOL Forensic Engineering
- Insurance Verticals
- P&C Personal P&C Commercial Specialty/E&S
- Target Customers
- Carriers, TPAs
Customers
- National Flood Insurance Program (NFIP)
- Lloyd's of London (Delegated Claims Administrator)
- Multiple national, regional, and local insurance carriers
- Private flood insurance companies
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Last updated: 2026-04-09