Do you have to have a homeowners or renters insurance policy before you can obtain that.? I looked it up to get a quote and it states you do or am I looking under the wrong thing?
Highly doubt that it will be wasted if they are under the ideal number. WP isn't going to let that happen. Not everyone receives their offers by May 1st. They've earned the right to accept or decline after May 1st if their next offer came late. No person knows the circumstances but them...