Floods are among the most common and devastating natural disasters, causing billions of dollars in annual damage. Regardless of your residential risk level, comprehensive flood insurance is essential to safeguard your assets.
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Flooding accounts for 90% of natural disasters in the United States. FEMA statistics indicate that throughout a 30-year mortgage, your home has a 26% likelihood of experiencing flood damage, whereas the probability of fire damage is just 9%.
The statistics for flooding in Arizona are no exception. In fact, the state sees between 40 and 100 regional and flash floods annually. This makes it essential to have comprehensive flood insurance coverage to protect your property and financial security.
Standard homeowners insurance policies do not include flood damage, and even minimal flooding can result in repair costs of thousands of dollars. Whether you live in a high-risk area or not, flood insurance can provide financial security and economic protection in the event of a disaster.
At Bennett and Porter, our skilled insurance brokers will help you secure the right coverage to protect your home and finances against unforeseen flood risks. We will help you find the best flood policies to cover direct physical losses, including damage to your home's foundation, systems, finishings, appliances, and personal items.
Floods can cause devastating damage to your property, resulting in costly repairs and potentially rendering your home uninhabitable. By preparing your property and investing in comprehensive flood insurance, you can reduce the financial and emotional impact of a flood.
In addition to protecting your property, flood insurance may provide coverage for your personal belongings, including furniture, electronics, clothing, and other valuable items that can be damaged or destroyed in a flood, ensuring financial security.
Flood insurance coverage options vary depending on your property's location and risk level. We shop over 100 insurance companies and provide potential coverage options for low and high-risk flood areas to ensure your personal property and home are protected.
Understanding the range of protection offered by flood insurance policies is vital to properly protect your assets from the unforeseen impacts of flooding. From damage to the structure of your property to the loss of personal items, knowing the scope of coverage is crucial. This awareness enables you to make well-informed decisions regarding your flood insurance policy. Your Bennett and Porter insurance expert will be able to guide you through your policy and help you understand it.Â
Flood insurance policies may include the following coverages:
*Policies and subsequent coverage offered may vary by provider and are impacted by your unique risk profile. Check with your Bennett and Porter insurance agent to confirm what flood insurance coverages your policy includes.
Our dedicated team of insurance brokers are here to assist you with flood insurance solutions. Bennett and Porter will tailor a flood insurance quote for you, based on your individual needs.
Flood insurance operates similarly to other types of insurance: by paying your premiums, the insurance provider offers financial assistance. To get a payout, file a claim with your provider by giving the flood date and damage details. Call us for all claims! Our 24/7 Claims Line 833-420-5153. An adjuster will inspect the damage and verify policy coverage. After confirming coverage and assessing damage, the insurer issues a payout for the repair or replacement of damaged items, after any applicable deductibles.
Typically, flood insurance provides coverage for multiple flooding situations. This includes floods caused by natural occurrences like overflows from rivers, lakes, or bays and excessive rainfall. But, it could also cover structural damage, contents, and debris cleanup. At Bennett and Porter, we will connect you with the ideal flood insurance coverage tailored to your unique requirements.
While it is not a requirement to have flood insurance in Arizona, it is recommended — especially if you live in a high-risk flood zone. Oftentimes, your mortgage company will require you to buy flood insurance in these cases.
