9035 S 1300 E B110,
Sandy, UT 84094
If you live in a high-risk flood zone in Utah or one of the surrounding states, your lender most likely requires you to carry flood insurance. However, not only high-risk zones are at risk of suffering a loss due to flooding, and all homeowners should review their situation with an insurance agent to discuss the various flood insurance options for their home.
A common misconception about flood damage is that if you do not live in a flood zone, it is covered by the homeowner's insurance policy. However, a homeowners insurance policy only responds to water damage such as a pipe bursting, not from flood waters. If you want to be covered for flooding, you must purchase coverage through the National Flood Insurance Program or the private markets. Flood insurance claims are some of the costliest claims made in the United States, and many people do not have the coverage in place when it is needed most.
To help determine how much flood insurance coverage is appropriate, you will need to work with an agent at Mountain West Insurance Inc., to come up with an inventory of your belongings you would need to be replaced; as well as a reliable estimate of what it would cost to replace your home. If it is determined you will need additional coverage that exceeds the federal program, your agent can provide you with excess insurance options for you to consider.
If you are interested in exploring your flood insurance options, you should reach out to us today. There is often a 30 day waiting period for the coverage to become effective. Suffering a loss from a flood can be an emotionally draining experience, your agent at Mountain West Insurance Inc. in Sandy, UT will help you work through the claims process.
Whether you live in Utah or one of the surrounding states, Mountain West Insurance Inc. would be happy to discuss your flood insurance options. Please call to consult with an agent or set up an appointment at our Sandy, UT location to meet with one of our trusted insurance professionals today.