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WestCo Insurance LLC

9235 N Union Blvd., Ste. 150 #385
Colorado Springs, CO 80920

Colorado Flood insurance coverage

Flood Insurance

Flood Insurance in Colorado

The Importance of Flood Insurance in Colorado

You may not be worried about flood damage in Colorado because you do not live in a flood zone. The truth is that flooding can happen anywhere, and your homeowner's insurance coverage won’t cover damage from floods. Research shows that during the course of a traditional 30-year mortgage, a home can be three times more likely to have flood damage than damage from a fire. Almost 25% of all claims for flood damage are filed by people who live in a low to moderate risk area for floods. It only takes a few inches of water to damage not only the home but the contents as well. Without flood insurance, you will have to pay for these damages out of pocket or deal with expensive payback options. Even if you live in a low-risk area, you can still be at risk for flooding. Also, if you live in a low-risk area, you can still qualify for flood insurance and may be able to get lower premiums.

What Does Flood Insurance Cover in Colorado?

A flood insurance policy can offer you coverage for both the structure and personal property, which includes furniture and items that can be damaged by a flood. When you buy a policy through WestCo Insurance LLC in Colorado Springs, CO, you have the option to choose coverage for the building only, coverage for the contents only, or coverage for both contents and the building. There will be coverage limits for a standard policy. Coverage is limited to up to $250,000 for the structure itself, and the contents coverage will be limited to $100,000. If you need additional insurance, you can purchase an excess flood policy. There will be a typical 30-day waiting period before a new policy will go into effect. Don’t wait until bad weather is approaching before you protect yourself.

Contact WestCo Insurance LLC, located in Colorado Springs, CO, to get a free quote on flood insurance.

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Why work with us?

  • Locally owned and operated.
  • Policies that meet & exceed expectations.
  • Get an Annual Policy review.
  • We shop top carriers to find the best rate.
  • Solutions for complex situations (in the trees, too far from fire department, T-lock shingles, manufactured homes, etc.)
  • Dropped by your current carrier? We’ll find you a new one.
  • Lower hail deductibles
  • No “cosmetic hail exclusions”
  • Standard and non-standard auto rates/ SR22
  • A percentage of all profit goes back to Charitable causes

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