NFIP flood insurance generally has a 30-day waiting period before coverage begins, so you can’t buy a policy when heavy rain is in the forecast and expect it to cover that storm.
There are exceptions: coverage bought in connection with a new mortgage or loan closing can start right away, and certain flood map changes allow a shorter wait. Private flood policies may have shorter waiting periods, depending on the carrier.
Tennessee’s heaviest rains often come with spring storms and the remnants of tropical systems in late summer and fall, so the best time to buy is well before either.
Questions about your own policy? Ace Insurance Consultants in Knoxville helps homeowners and drivers across Tennessee compare options from multiple carriers.
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