Floods Follow Fires - Oro Valley Real Estate
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In 2012 Congress passed a bill that fundamentally changed important parts of our National Flood Insurance Program.
This year's wildfires may make our normal monsoon flooding even worse.  We encourage you, and everyone you know, to check if you have flood protection for your home or business:
From Pima County:
The time to buy flood insurance is now. Homeowners, renters and business owners need to protect themselves financially from the devastating losses flooding can bring - including after a wildfire - before the next weather event occurs.
In general, new policies for flood insurance become effective following a 30-day waiting period. However, the Biggert-Waters Flood Insurance Reform Act of 2012 provided an additional exception to this requirement related to flooding caused by post-wildfire conditions, referred to as the Post-Wildfire Exception. Under the Post-Wildfire Exception, the standard 30-day waiting period does not apply to new policies if:
The covered property experiences damage caused by flood that originated on Federal land;
Post-wildfire conditions on Federal lands caused or worsened the flooding; and
The policyholder purchased the policy either:
Before the fire containment date; or
During the 60-day calendar-day period following the fire containment date
If a structure covered by flood insurance floods within the 30-day waiting period, the insurance claims adjuster will determine if the waiting period exception criteria applies and will process the claim accordingly. 
For more information, visit the full Pima County flood website.