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Can you buy flood insurance now that will cover damage by Florence?

3 Steps for filing a flood insurance claim

The National Flood Insurance program director walks you through how to file your flood insurance claim, from documentation to working with an adjuster.
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The National Flood Insurance program director walks you through how to file your flood insurance claim, from documentation to working with an adjuster.

People around the Carolinas are being told that say they can buy flood insurance policy right now that will cover damage done by Florence, according to FEMA.

FEMA says such a notion is just a rumor. No insurance purchased right now could kick in fast enough to cover someone from a storm that’s on top of them.

“It typically takes 30 days from the date an NFIP policy is purchased for it to go into effect,” FEMA says on it’s website.

The South Carolina Emergency Management Division called the insurance rumor “FALSE” over social media, saying that the claim had spread to SC residents.

Insurance scams are common following natural disasters.

“Hurricanes bring out a lot of good in people and also the worst in those few bad actors preying on homeowners whose most prized asset has been damaged,” Jon Moore, spokesman for Florida’s Department of Financial Services, told the Miami Herald following Hurricane Irma in 2017. “We’re trying to educate and protect Floridians so they don’t fall victim to Irma for a second time.”

Many in South Carolina don’t have flood insurance.

Beaufort County's flood maps are more than 20 years old. Why does this matter? Flood maps determine insurance rates.

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