Question: Is there a waiting period for my flood insurance policy?
Answer: Most likely. Typically, there’s a 30-day waiting period from date of purchase before your policy goes into effect. Here are the only exceptions:
- If flood insurance is being purchased in connection with the making, increasing, extending or renewing of your loan.
- If a building has been newly designated in the SFHA and flood insurance is being purchased within the 13-month period following a map revision.
- If flood insurance is required as a result of a lender determining that a loan that does not have flood insurance coverage should be protected by flood insurance.
- If an additional amount of insurance is selected as an option on the renewal bill.
- If a property is affected by flooding on burned Federal land that is a result of, or is exacerbated by, post-wildfire conditions when the policy is purchased within 60 days of the fire containment date.
Best insurance experience! Our agent Brooks Berry demonstrated very knowledgeable professionalism! Not only did he explain everything to us in great detail, but he was...
3 months ago
Nigora Djumabaeva
I’d highly recommend Mappus Insurance. Amanda Guenther has been incredibly helpful and proactive. She took the time to prepare multiple quotes for me and remind...
a month ago
Kaitlyn Fariello
Our agent is Donna Kincaid and she is the best! She truly cares and is someone I totally trust! She always responds to questions and...
5 months ago
Shannon Noble
Excellent service while shopping for our homeowners insurance. Brooks Berry at Mappus insurance helped us find an affordable policy with great coverage. He gave us...
4 months ago
Brady Vriens
I have used Mappus for four years and have only had pleasant and helpful experiences. Carissa is always available to advise me on what the...
3 months ago
Ellis Keim Sisto