3 On Your Side
3 On Your Side

Consider flood insurance before monsoon storms hit

Posted: Updated:
(3 ON YOUR SIDE) -

"I've never seen anything like this, ever." That's how a lot of folks felt last year when Mother Nature socked us with quite a punch during the monsoon. Water covered everything from streets to homes.

Drivers were left stranded on the I-10 and Valley neighborhoods were devastated. Just two inches of flood waters inside a home can cause thousands of dollars in damage. And that's that will come out of your pocket to repair unless you have flood insurance. 

"Asking homeowners, renters and business owners to start thinking about the flood insurance, thinking about what they need covered," says Nicole Farr with the Arizona Insurance Council. She's quick to remind people that having a standard homeowner's insurance policy may cover your home in the event of a fire, for example, but flood waters usually need a separate flood policy.  "Policies start as low as $129 a year," she adds.

And for $129, exactly what's covered? Well, more than you think.

"It covers the walls of your home, permanent flooring, carpeting. If you have wood floors it will cover all that, and permanently installed cabinetry. It pretty much covers the shell of your home against flooding."

And Nicole says an additional policy would be needed to cover your home's contents. "It's the contents of your home, which are your computers, stereos, TVs, couches, fine jewelry, artwork, draperies that you may have in your home, your own self-installed items."

So with the monsoon quickly approaching , Nicole says beefing up your policy with flood insurance is something you might want to consider. "Definitely contact your insurance agent or company representative that covers our homeowner's insurance and speak with them about what next steps you might be able to take to check your policy, or go ahead and get one started."         

 For additional information about property and casualty insurance visit:  http://azinsurance.org/prepare-with-flood-insurance-coverage/

https://www.floodsmart.gov/floodsmart/

  • Recent 3 On Your Side storiesMore>>

  • 3 On Your Side

    Smart devices: Do you own what you buy?

    Smart devices: Do you own what you buy?

    Saturday, February 4 2017 9:52 AM EST2017-02-04 14:52:25 GMT
    Consumers are app crazy, and not only to control temps or lights. They're unlocking doors and maybe even seeing what's inside the fridge. (Source: Alexander Kirch via 123RF)Consumers are app crazy, and not only to control temps or lights. They're unlocking doors and maybe even seeing what's inside the fridge. (Source: Alexander Kirch via 123RF)

    "Oftentimes, the companies that make these products insist that even though you might own the physical object, you don't own the software code inside of it," he said. "And that code is really fundamental to the operation of those products."

    More >

    "Oftentimes, the companies that make these products insist that even though you might own the physical object, you don't own the software code inside of it," digital rights specialist and author Aaron Perzanowski said. "And that code is really fundamental to the operation of those products."

    More >
  • 3 On Your Side

    Viewing the solar eclipse: The blind truth

    Viewing the solar eclipse: The blind truth

    Wednesday, August 16 2017 1:20 AM EDT2017-08-16 05:20:27 GMT
    And if you don't buy solar eclipse glasses that are approved, you could have a big problem. (Source: 3TV/CBS 5)And if you don't buy solar eclipse glasses that are approved, you could have a big problem. (Source: 3TV/CBS 5)

    If you don't buy solar eclipse glasses that are approved, you could have a big problem.

    More >

    If you don't buy solar eclipse glasses that are approved, you could have a big problem.

    More >
  • 3 On Your Side

    Glendale couple says gym charged them for personal training they never signed up for

    Glendale couple says gym charged them for personal training they never signed up for

    Tuesday, August 15 2017 2:51 AM EDT2017-08-15 06:51:59 GMT
    Daniel Ramirez and his wife said they were charged for personal training sessions they didn't sign up for. (Source: 3TV)Daniel Ramirez and his wife said they were charged for personal training sessions they didn't sign up for. (Source: 3TV)

    A Valley man joined a gym to get in shape. Instead, he says it's his wallet that got a workout.

    More >

    A Valley man joined a gym to get in shape. Instead, he says it's his wallet that got a workout.

    More >
Contact 3 On Your Side