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Think you don’t need flood insurance in Arizona? Think again!

If you happen to be one of the many who think it’s not possible to have your home flooded out in the desert, look no further than the Phoenix suburb of Anthem for your answer.

Or simply take a look at the photo below.

Last week, residents of Anthem experienced a rare storm that dropped more than 5 inches of rain in about 90 minutes.  Even in a newly-built community where runoff is designed to drain properly into holding reservoirs, the deluge was too much to handle and some Anthem homes were flooded.

According to the Arizona Republic:

“Firefighters responded to calls that included reports of 20 flooded homes in Anthem Parkside. When firefighters arrived at the homes, they “found some that had 3 to 4 feet of water standing inside them,” Wilson said.

“You could not open the front door because there was so much water inside the house,” he said. “They (firefighters) had to create drains to get water out.”

The saddest part is that reports indicate some affected homeowners didn’t have flood insurance in place, leaving them to pick up the pieces without assistance from their insurance agent.”

What can you do to avoid being a casualty of a devastating flood?

The first thing you need to do is understand what your homeowner’s insurance policy covers…and what it doesn’t!  Review your policy closely, then call your insurance agent to discuss your coverage.  Many insurance agencies don’t offer flood coverage.

You can find all sorts of resources about flood preparedness planning, flood maps, and information about flood insurance at the links below.

Flood Maps

Flood Preparedness

Floodsmart.gov

Your best defense against disasters and property loss is preparedness.  A little research and planning now can ensure that, if you are the victim of massive loss, at least you have your insurance company behind you to help minimize the financial effects of the rebuilding process.

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