We know that insurance can be complicated. But we also know our business. Our years of experience allow us to provide clear, easily understood explanations of insurance products and services, to help you make the best decision.
Did you know that your homeowners and business insurance does not cover flood damage in Arizona? Insurance against flood must be obtained separately or can be added to your home owners insurance policy for an additional premium. A little known fact is that AZ flood insurance policies can also reimburse you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.
The Federal Emergency Management Agency’s (FEMA) maps are important when it comes to Arizona flood insurance because if they show that your home or commercial building sits in a 100-year flood plain your mortgage company may require you to buy flood insurance to protect the home or business. If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional but still recommended.
Home & Business Flood Quote Request
Floods are the most common natural disasters in the Arizona and the whole United States for that matter. In recent years floods have hit homes and businesses in all 50 states. There are no “safe” states. Between 20% and 25% of all flood insurance claims are paid to people living OUTSIDE a designated high risk flood area. Flood coverage is protection which all homeowners, business owners, and renters should at least consider.