A homeowner applies for flood insurance under the National Flood Insurance Program. Coverage generally begins:
Explanation
Flood is excluded by homeowners and dwelling forms and must be bought as a separate policy, and the National Flood Insurance Program applies a standard 30-day waiting period before coverage takes effect, with limited exceptions such as a loan closing. That waiting period is why a policy bought as a storm approaches does nothing; a producer cannot bind flood coverage for immediate effect the way home coverage is bound.
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