Although you may not have had flooding previously, severe weather changes can cause an unexpected flood on any property. Flood insurance is designed to defray the costs of damage to both external structures and your personal possessions inside the home. At The Firebird Agency, we can help you find the coverage you need to avoid expensive losses from flooding.
If you have a mortgage on your property, your financial institution may require you to have flood insurance based on the home's location on flood maps. But it’s not only coastal areas that see flooding. Inland areas that have experienced rapid development may have changes in the topography that make flooding more likely. Structures near rivers, creeks, or lakes may be subject to sudden, unexpected flooding, as well. If you have disaster assistance funds in the past, you will be required to have flood insurance on your property.
Flood insurance covers a wide range of damage that usually occurs during an event. It will protect basic systems in the home, such as electrical, plumbing, fuel tanks, well water tanks, and solar energy equipment. A policy will also cover furnaces, water heaters, staircases, cabinets, paneling, carpeting, appliances, foundation walls, and detached garages. The contents coverage portion covers clothing, furniture, electronic equipment, washers, dryers, draperies, and valuable items you may have, such as artwork or furs, up to a certain level.
You may have questions about how much coverage you need and what items are covered. We can answer your questions with detailed information and experience about flooding and claims. Contact The Firebird Agency today for a free, no-obligation quote on flood insurance to protect your finances from unexpected flooding costs.
While our offices are located in Arizona and California, we are licensed all over the country.
