Arizona Monsoons and Home Insurance: Are You Covered?

Arizona’s monsoon season brings dramatic weather shifts, heavy rains, dust storms, and strong winds — all of which can wreak havoc on homes. For homeowners, this begs an important question: Does your insurance policy have you covered for monsoon-related damage? Here are 5 tips to protect your home before the storms hit. ⛈️🏠

Understanding Monsoon Risks in Arizona

The Arizona monsoon season typically spans from mid-June to late September. During this time, flash floods, microbursts, and hail are common. These events can cause severe property damage including roof leaks, structural flooding, downed trees, and even electrical fires.

What Standard Homeowners Insurance Covers

A typical HO-3 (Homeowners) policy covers damage from wind and hail, which are common during monsoons. If a tree falls on your roof or high winds tear off shingles, you are likely covered. However, flooding is often excluded. Damage from rain entering through a wind-damaged roof may be covered, but ground-level flooding generally requires separate flood insurance.

Flood Insurance: The Missing Piece

Most homeowners are surprised to learn that flood damage is not covered under standard homeowners insurance. If you live in a flood-prone area or near a wash, purchasing a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer is essential.

Preventive Measures to Reduce Risk

• Clean out gutters and downspouts
  • Inspect your roof annually
  • Install a sump pump or backflow valve
  • Secure outdoor furniture and trim trees
  • Consider elevating critical systems like HVAC units

Review Your Policy Annually

Monsoon damage can be devastating, but understanding your policy and making smart additions can significantly reduce out-of-pocket costs. Review your homeowners and flood insurance annually with your insurance agent to ensure you’re protected before the storms arrive.

Conclusion

Arizona’s monsoons are powerful, but with the right insurance coverage and preparation, you can weather the storm confidently. If you’re unsure about your current policy, now is the time to get a coverage review and make any necessary adjustments.

Call us today to review your current coverage and address any possible coverage gaps.

P: (602) 888-1732