Denver Flood Insurance

Denver Flood Insurance

Here at DCInsurers - Mountain, we are dedicated to making sure that you have the proper insurance coverage right when you need it. Our experienced brokers know Denver well, which means we also know which options you need when it comes to choosing your personal insurance.

We are also dedicated to ensuring that you know about the grey areas in your policies, and these grey areas may mean you need to incorporate some other features—like Denver flood insurance—into your policy.

Did you know that not all homeowners’ policies insure against the damages that can be caused by flooding?

It doesn’t take a lot of water to cause a lot of damage, so it is important to make sure you are covered for all of the extremes. Our line of Denver flood insurance can protect you from the costly expense of damage repairs when something does go wrong, and our expert staff can get you started by providing you with insight into the coverage features you need to protect your assets when the damages fall into the grey areas that won’t.

Why is flood insurance so important?

Your property may not be as safe from flooding as you think it is. Flooding even occurs in areas that aren’t close to water. In fact, 30% of all flood claims occur in low to moderate risk zones. Flooding is the leading natural cause of property damage in the United States, and records show that the average flood claim amounts to nearly $42,000. Further, between 2003 and 2012, flood insurance claims averaged nearly $4 billion each year.

Denver is also susceptible to rare, but large incidents of flash flooding. In September of 2013, Colorado experienced extensive flooding that meteorologically resembled the Big Thompson Flood of 1976. The 2013 Colorado floods, which began on September 9, 2013, caused $2 billion dollars in damage and took the lives of 8 people throughout multiple regions of Colorado, including Denver.

The 1976 flood, following many of the same conditions as those experienced in 2013, caused $35 million in damage (comparable to $140 million in today’s exchange) and took the lives of 144 people. In 2013, as many as 19,000 homes were damaged, and 1,500 were destroyed. The unpredictability of floods like the 2013 Colorado floods and the Big Thompson Flood mark the necessity of policies like personal flood insurance in Denver, a policy that can keep you protected when the damages you experience are unexpected.

At DCInsurers - Mountain, we know the importance of protecting yourself—and your loved ones—from the costly threat of flooding, especially when that threat is unexpected. Since many homeowners’ policies do not cover the damages that are associated with flooding, we are dedicated to providing you with only the highest quality of Denver flood insurance.

Our policy doesn’t just cover the damages that are caused by flood waters, it even covers the damages that can be caused by mudflow, dirt, and debris from moving water, so you can be sure you have all the coverage you need to protect yourself and your family when the flood waters hit.

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