While it may seem a bit far-fetched in Arizona to be concerned about flooding, there are some instances where your residence or commercial property could benefit from flood protection. At The Insurance Team we want our clients to have access to protection in even some of the rarest cases.
While most properties do not have a history of flooding, flood insurance could be required by your mortgage lender if there is a history of floods in the area. In many cases, it is an optional policy to supplement properties when unexpected rainstorms and weather cause significant damage.
Despite having a desert atmosphere, a few different disasters can prompt excessive rain in Arizona. These events can cause flash flooding, with more rain falling than absorbed or left. This forces it to find refuge in homes and structures until it can locate a bed of water. Even if the water does not stand for very long, it doesn't take much for the damage to set in. Heavy rains, monsoons, and leftover rain from tropical storms sometimes migrate over Arizona.
The most common areas of your home or business are the foundation and the structure as the water starts to rise. Your home insurance policy will not cover the damage caused to these areas due to flash flooding. Without flood insurance, you are forced to remodel your home and replace any flooring and structure damage that developed. Any personal items and property housed in these structures will also be damaged and need replacement.
If you would like more information about a flood insurance policy quote or how that can be supplemented, contact The Insurance Team today. We look forward to answering your questions and getting you the policy that you need.
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