Any civilian from Flagstaff to Tucson can agree to the fact that Arizona is no stranger to floods. Many homeowners in the great Grand Canyon state do not know that a home insurance policy isn't sufficient to cover all the loss from floods until it’s too late and the damage made is irreparable.
Flood insurance is the only coverage that can indemnify you from the wrath of this natural disaster. Flood insurance policies can cover the following:
- Personal items such as clothing which may be ruined by the floods.
- Detached garage damage.
- Staircases attached to the home, the walls, floor, and anchorage systems.
- Essential units in the house including plumbing and electrical systems, water heaters, heating, ventilation and cooling systems, heat pumps, furnaces, and sump pumps. It also includes water in the cistern, fuel tanks and its contents, pumps, water tanks, and solar energy equipment.
- Permanently installed cabinets, wallboards, paneling, and bookcases. It is important to note that the policy only replaces the cabinets or wallboard that is damaged. This means that if you sustained some cabinet damages while other cabinets were not, it might be difficult to find similar replacements that match the old ones.
- Appliances such as dishwashers, refrigerators, washing machine, dryers, dispensers, or any inbuilt appliances such as air conditioners. However, the contents of these appliances like food in the fridge, clothes in the laundry, or the dishes in the dishwasher are not covered.
- House furnishings such as carpets, curtains, or any other decoration in the home. If you have a permanently installed carpet throughout your entire house, your policy should be able to include that.
Other special coverage options like seepage, mudslides, and groundwater are covered even if they are not directly related to floods. For instance, a neighbors swimming pool collapsing and emptying all the water in your home. Sewage outbursts are only covered if they are caused by floods.
For all your insurance needs, Alameda Insurance Group in Arizona has the solutions. Contact us for more information, advice, or queries.