In this article we discuss if you can buy flood insurance during hurricane season.
I just got back from my first camping trip with my family. We recently decided to get a camper to make as many memories with our 4 year old daughter Lydia as possible.
I travel the country shooting our flood education videos and this was a way for them to come along.
My dad was an eagle scout but I only had the opportunity to go camping as a boy scout once when I was a child. I found it funny as a kid my dad was the only one wearing khakis and a dress shirt on the camping trip. Boy was he along way removed from his eagle scout days.
Being a physicist he didn't do much with the outdoors as an adult. By the time I came along my grandparents were older and I didn't get the same experiences with the outdoors like my brothers did. I remember as kids they would go off to camp for a week. I looked forward to that but when it was my turn the camp had closed.
So as you can imagine this camping trip was filled with lots of learning experiences for me and my wife. If it wasn't for my experienced brother in law Jason it probably would have been an epic failure.
It was my first time sleeping in a camper, it was my first time learning how to manage the waste tanks. That was a learning experience.
It was even my first time using a bath house.
My wife said do you have shower shoes?
I said what are shower shoes?
She said you can't walk in the bath house bare footed. Many times we don't know the answer to the question until it's time for the question. As you can imagine I had lots of questions when it came to camping.
Like many people who have a question I went to Youtube to get my camping questions answered.
Getting camping questions answered can be much easier than getting flood insurance questions answered sometimes.
So today's question has probably been asked 100 times to me over the years.
Can You Buy Flood Insurance During Hurricane Season?
So can you?
You can buy flood insurance during any season. You might be limited to what options are available. Let's look at the National Flood Insurance Program first. The National Flood Insurance Program generally does not limit you to when you can buy flood insurance. They do put a 30 day wait period on a policy being effective unless it is for a map change or loan closing.
So what about private flood insurance?
You can still buy private flood insurance during hurricane season, but they may have more limitations. Private flood insurance carriers will put moratoriums in place many times when there is a named storm in the Gulf or Atlantic ocean. Generally they will remove this moratorium once the storm has passed and any flooding has stopped.
It's important to remember that like the National Flood Insurance Program private flood also has a wait period. This wait period generally ranged from 5 to 15 days unless its for a loan closing.
Even though you may have a loan closing a moratorium could still stop you from getting flood insurance in place.
So its important that you understand what options are available, what the wait periods are, and that you can get flood insurance during hurricane season.
So if you have questions about getting flood insurance during hurricane season then make sure to visit our website. You can also check out our YouTube channel or Facebook page where we do daily flood education videos.