Do you need flood insurance? FOX5 gets answers this monsoon season

Published: Aug. 1, 2022 at 9:24 PM PDT
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LAS VEGAS, Nev. (FOX5) - Plenty of homeowners and business owners are asking about the need for flood insurance after monsoons struck the Las Vegas Valley over the past few days.

FOX5 checked in with Patrick Casale of The Multicare Group, which has seen inquiries regarding flood insurance in light of the storms.

Some parts of the Las Vegas Valley already require flood insurance, having been deemed a high-risk flood area. If even a little bit of water crept into your home or business from the street or yard, that shows your property may need flood insurance.

“That would be a flood damage. If you’re in an area that’s very, very unlikely to get nailed with a flood, the cost is going to be minimal,” he said. “If you get hit with black mold. That’s a serious problem,” Casale said.

Casale does believe many inquiries are reactionary and explains the most likely root cause of water in your home: leaky roofs or pipes. Your insurance should cover those damages.

“You might have seepage in your roof and not see it. It may be laying dormant for a while. Don’t be reactive. Be proactive,” he said, advising every home and business owner to check pipes and roofs before monsoon season, just as the A/C gets an inspection before extreme heat.