IIRC- Flood insurance is separate insurance, just like earthquake insurance is. NOT part of a standard home owner’s policy.
Correct, flood insurance is special and provided by Fed Gov, not your local home insurer.
Since changing the law, it takes 30 days to activate flood insurance. This was in response to people buying flood insurance while waters were rapidly rising and then getting flooded out a day later. This corresponds to the “existing condition” in Obamacare. The Fed Gov was tired of paying out to people who knew they would be flooded in the near future.
Now when you buy flood insurance during heavy rains and get flooded out a few days later, you can’t claim a thing because of the 30 day lag between purchase and effect. Good law.