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Repetitive Loss (RL) data in Forerunner helps communities participating in the Community Rating System (CRS) track properties with multiple flood insurance claims. This data comes from FEMA’s National Flood Insurance Program (NFIP) and is essential for CRS documentation and community resilience planning.

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What is repetitive loss?

A repetitive loss property is one that has experienced multiple flood insurance claims under the NFIP. FEMA tracks these properties and provides data to communities to help identify high-risk areas and prioritize mitigation efforts.

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FEMA definitions

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Why repetitive loss matters

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CRS credit

The Community Rating System awards credit for:
  • Maintaining an accurate repetitive loss list
  • Tracking and documenting RL properties
  • Conducting outreach to RL property owners
  • Implementing mitigation projects

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Risk identification

RL data helps communities:
  • Identify areas with chronic flooding
  • Prioritize mitigation funding
  • Target outreach efforts
  • Document flood history for planning

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Compliance requirements

CRS participating communities must:
  • Maintain current RL data
  • Update the list when properties are mitigated
  • Document outreach activities
  • Report during CRS verification visits

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Repetitive loss data in Forerunner

Forerunner integrates repetitive loss data with your property records, making it easier to track, manage, and document RL properties.

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What’s included

RL records in Forerunner may include:
The specific data fields available depend on your account configuration and the data provided by FEMA.

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Viewing RL properties

RL data is typically linked to property records:
  1. Navigate to a property in Forerunner
  2. In the Repetitive Loss section, click View data
  3. View claim history and mitigation status
  4. Access related documentation
To see RL data, you need the Can view PII permission. A Manager sets this for each user.

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Identifying RL properties

Properties with repetitive loss status may be indicated through:
  • A warning on the property: Property is a Repetitive Loss property or Property is a Severe Repetitive Loss property
  • The Repetitive Loss section on the property, where you click View data
  • The Repetitive loss warnings column in the properties table, which you can filter on
You only see these with the Can view PII permission.

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Managing repetitive loss data

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Data imports

RL data is imported into Forerunner by authorized employees:
  • FEMA provides updated RL lists to communities
  • Send the data file to rep-loss@withforerunner.com — do not CC anyone else, as RL data contains protected information
  • Properties are matched to your parcel data
  • Unmatched records may require manual review
RL data contains protected information. When sending your FEMA data file, only email it to rep-loss@withforerunner.com. Do not CC anyone else on the email.

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Data updates

RL records may need updates when:
  • FEMA provides new data
  • Properties are mitigated
  • Claim information changes
  • Properties are demolished or combined
  • Address corrections are needed

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Mitigation tracking

Track mitigation status for RL properties:
  • Send mitigation updates to Forerunner so properties get marked as mitigated
  • Document mitigation activities in records
  • Link to grant or project records
  • Update status for CRS reporting

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Working with RL data

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Viewing RL information

Depending on your configuration, you can view RL data through: Property pages
  • RL status fields on property details
  • Linked RL records showing claim history
  • Related files and documentation
You can filter the properties table by Repetitive loss warnings. Full RL lists with claim details, exports, and changes to RL data go through Forerunner. Contact your CSM if you need an RL property list.

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Reporting and exports

Forerunner can export RL data for your CRS documentation. Contact your CSM to request:
  • Generate RL property lists
  • Include claim history and mitigation status
  • Filter by geography or status
  • Format for CRS verification

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Privacy and access

Repetitive loss data contains sensitive information and has restricted access:

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Access controls

  • RL data access requires specific permissions
  • Not all user roles can view RL information
  • Public users cannot access RL data
  • Protected information within RL records is restricted

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What’s restricted

RL data includes personally identifiable information about property owners and their insurance claims. Only access this data when necessary for your work, and never share it publicly.

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CRS documentation

Use Forerunner to support your CRS verification:

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What you can document

  • Current RL property count
  • Mitigation progress and completions
  • Outreach activities to RL owners
  • Historical changes to the RL list

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Preparing for verification

  1. Generate current RL property list
  2. Document mitigation activities in records
  3. Review RL property outreach records
  4. Export reports needed for verification
  5. Work with your CSM for custom reports

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Common workflows

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Annual RL list update

When you receive updated RL data from FEMA:
1

Receive FEMA data

Obtain the updated RL list from FEMA or your state coordinator.
2

Send the data to Forerunner

Email the FEMA data file to rep-loss@withforerunner.com. Include the password for the dataset. Do not CC anyone else on this email.
3

Review import results

Forerunner’s data team reviews the import and provides a summary of new, updated, and unmatched records.
4

Address issues

Work with your CSM to resolve any unmatched properties or data questions.
5

Document the update

Note the update date for CRS documentation.

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Tracking a mitigation project

When an RL property is mitigated:
1

Document completion

Create or update records documenting the mitigation project completion.
2

Update property status

Send the mitigation details to Forerunner so the property is marked as mitigated.
3

Link documentation

Attach completion certificates, photos, or other documentation.
4

Update RL record

Note the mitigation in the RL tracking information.

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RL owner outreach

Document outreach to repetitive loss property owners:
  • Create records for each outreach activity
  • Link records to the property
  • Track response and follow-up
  • Document CRS outreach requirements

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Data issues and resolution

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Common issues

If an RL record doesn’t match a property in your database:
  • Address format may differ
  • Property may have been subdivided or combined
  • Parcel data may need updating
Contact your CSM to coordinate manual matching or resolution.
If RL data appears outdated:
If a property should show RL status but doesn’t:
  • Verify the property was in the FEMA data
  • Check if it matched during import
  • Contact your CSM to coordinate an investigation
If claim amounts or counts seem wrong:
  • Compare with your FEMA source data
  • RL data comes directly from FEMA
  • Discrepancies should be reported to FEMA

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Getting help

For RL data issues:
  • Data imports and updates - Email RL data to rep-loss@withforerunner.com
  • Access problems - Contact your Manager for permission adjustments
  • FEMA data questions - Work through your state NFIP coordinator
  • CRS requirements - Consult your ISO/CRS coordinator

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Best practices

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Data management

  • Request regular data updates from FEMA
  • Document all changes to RL status
  • Maintain accurate mitigation records
  • Keep property addresses current

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CRS compliance

  • Save a properties table view filtered on Repetitive loss warnings
  • Request an RL export from Forerunner before verification visits
  • Document all outreach activities
  • Track mitigation projects in Forerunner

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Privacy protection

  • Limit access to users who need RL data
  • Never share RL lists publicly
  • Protect owner contact information
  • Follow your organization’s data policies