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Frequently Asked Questions

When will my flood insurance go into effect?

There is normally a 30-day waiting period before the flood insurance would go into effect. There are however 2 basic exceptions. If the initial purchase of flood insurance is in connection with the making, increasing, extending, or renewing of a loan, there is no waiting period.

Is there a waiting period for flood insurance?

In most cases, there is a 30 day waiting period from the time that you purchase the flood insurance before the policy will actually be effective at protecting your property.

What is mandatory purchase of flood?

Mandatory Purchase Requirement. Pursuant to the Flood Disaster Protection Act of 1973 and the National Flood Insurance Reform Act of 1994, the purchase of flood insurance is mandatory for all federal or federally related financial assistance for the acquisition and/or construction of buildings in Special Flood Hazard Areas (SFHAs).


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