Hurricane insurance: Do you have it? Need it? Six things to know.

As hurricane Irene heads for the East Coast, here are answers to six key questions about insurance.

6. How long does it take to get flood insurance?

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    A satellite image shows hurricane Irene on Aug. 24, 2011 as it moves northwest from Puerto Rico and the Dominican Republic. Federal officials have warned Irene could cause flooding, power outages, or worse all along the East Coast as far north as Maine, even if it stays offshore.
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There’s typically a 30-day waiting period before your insurance will go into effect. So, while it may be too late to take precautions for hurricane Irene, which was projected to make landfall near the Connecticut-Rhode Island border Sunday night, this year's hurricane season is only halfway over.

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