Monday, June 27, 2011

The Monsoon Is Coming!

Arizona has been through one of the worst fire seasons ever and it is still not over. It is easy in the heat of June to forget the flood and storm risks coming in July. The next event on the potential disaster horizon is the summer monsoon season.

Areas that have been damaged by wildfires are particularly susceptible to water damage from runoff. If you live anywhere near a floodplain or a wash you should consider buying federal flood insurance immediately. It takes 30 days for flood insurance to become effective. Your homeowners insurance will not cover flood damage including runoff, wash overflow or pooling in drainage basin areas.

FEMA's website can provide you with information on flood insurance as can your local insurance agent. It's important to get not only basic flood insurance which protects your residence but separate flood insurance for your contents, as well. Unlike homeowners insurance, flood insurance does not cover your contents unless you purchase it separately.

This is also a good time to check your roof, windows and door frames to make sure your home is in condition to withstand the monsoon storms. If you have any questions, call our office at 520-882-9115.

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