“For more information about flood insurance, please call your insurance agent or contact the National Flood Insurance Program Center at 877-336-2627.  Visit the National Flood Insurance Program at floodsmart.gov to learn more about flood risk and flood insurance.  Quick NFIP Facts:  By law, there is generally a 30-day waiting period from the date of purchase until flood insurance coverage takes effect with very few exceptions.  Referred to as the Post-Wildfire Exception, the standard 30-day waiting period does not apply to new policies if, at the time of your flood loss, all of the following criteria are met:  1.  The covered property experiences damage caused by flood that originated on federal land.  2.  Post-wildfire conditions on federal land caused or worsened the flooding.  3.  The policyholder purchased the policy either: (a) Before the fire containment date; or during the 60-calendar-day period following the fire containment date.  For purposes of the Post-Wildfire Exception, the federal agency responsible for the land on which the post-wildfire conditions existed determines the fire containment date.  The Post-Wildfire Exception of the 30-day waiting period is determined on a case-by-case basis at the time of loss using the above criteria.”