We got you covered

Reliable Flood Insurance with Top Choice Insurance Agency, PLLC

Protect Your Home from Flood Damage in Arizona

Get Started

12 years in business

100% customer satisfaction

10 knowledgeable advisors

85+ coverage options

Looking for Flood Insurance in Arizona?

When most people think of a flood, they might recall major events like Hurricane Katrina or Hurricane Sandy. These massive storms caused billions of dollars in damage. However, most floods result from less catastrophic situations. In actuality, the damage caused by a few inches of standing water can reach tens of thousands of dollars.

If you’re seeking flood insurance in Glendale, Top Choice Insurance Agency, PLLC has you covered. Did you know that every house in the country is in a FEMA flood zone? Some zones are more prone to flooding than others.

In most cases, there is a 30-day waiting period when you purchase flood insurance, so don’t wait until it’s too late!

Buildings

Contents

Increased cost of compliance

Prevention, Protection & Clean-up

Excess coverage

Buildings Coverage

Risk Factors

Flood can cause a major damage to floors, walls, ceilings, plumbing, electrical systems, and HVAC.

Solution

Commercial Flood insurance provides up to $500,000 in coverage for direct physical damage to buildings from or by flooding. This includes damage to floors, walls, ceilings, plumbing, electrical systems, and HVAC. For businesses that rent their buildings, this coverage can provide for tenant improvements your business has made to the building you rent.

Contents Coverage

Risk Factors

Flood can damage furniture, fixtures, inventory, machinery, equipment, and other property owned by your business and you need to pay the expenses for their replacement.

Solution

This also covers the contents of your building up to $500,000. Contents coverage includes furniture, fixtures, inventory, machinery, equipment, and other property owned by your business that has been damaged by a flood.

Increased cost of compliance

Risk Factors

Cities and communities usually update their building standards over time in order to reduce damage from floods. If your building was built before the current standards took effect, you may incur additional costs to rebuild or bring your building up to the current flood management standards.

Solution

ICC coverage reimburses you for the cost to elevate, demolish, or relocate a damaged building. It also reimburses the cost to floodproof qualified basements in buildings. ICC claims are handled in addition to the amount of your building claim.

Prevention, Protection & Clean-up

Risk Factors

The most common and effective form of flood protection before a storm is sandbagging.

A storm or a flood can damage your contents and you need to pay for the clean-up of debris.

Solution

The NFIP will pay up to $1,000 to reimburse the cost of placing sandbags to protect your property. In addition, Commercial Flood Insurance will also pay up to $1,000 to reimburse the cost of moving items out of danger in advance of a storm. After a storm, Flood Insurance will pay for the cost of removing debris from your property.

Excess coverage

Risk Factors

If you need higher limits of coverage beyond the NFIP limits, you can purchase excess coverage from a private insurer.

Solution

In addition to the coverage provided by the NFIP, excess flood insurance coverage is available from insurers on the private market. Excess coverage can also provide business income insurance for flood. This can compensate your business for lost profits, as well as wages and operating expenses while your business is unable to operate.

Homeowners Insurance Does Not Cover Flood Damage

Flood insurance must be purchased separately, whether you live in Glendale or any other part of Arizona. It is not included in homeowners insurance.

Your flood insurance policy may also cover your efforts to remove debris, move furniture, and sandbag your house.

Your mortgage lender may mandate that you obtain flood insurance if you reside in a specific flood zone. Flood insurance is optional but recommended if you live outside a high-risk zone or have no mortgage.

How to Get Your Flood Insurance Quote

To get started on your quote, visit our office at Top Choice Insurance Agency, PLLC, 5830 W Thunderbird Rd, Suite B8 PMB 1122, Glendale, AZ, 85306-4655. We’ll make the process simple and straightforward!

Already have Commercial Flood Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.

Request a Quote