- Wildfire
- Post-fire flooding
- Snow load
- Frozen pipes
- Hail
A mountain town with mountain claims
Flagstaff sits beneath the San Francisco Peaks in Coconino County, surrounded by one of the largest ponderosa pine forests in the world. It is one of the snowiest cities in the country, and its housing reflects that: steep shingle and metal roofs, wood-frame cabins and older homes in Southside and around Northern Arizona University.
Fire, then flood
Recent years have made Flagstaff a case study in back-to-back perils. The 2019 Museum Fire burned in the Dry Lake Hills above town, and in the years afterward neighborhoods below the burn scar flooded repeatedly as monsoon rain ran off the burned slopes. In 2022 the Tunnel Fire destroyed homes north of the city and the Pipeline Fire forced evacuations soon after. Wildfire claims here range from total losses to homes filled with smoke and ash.
Flood damage from surface water is usually excluded from homeowners policies. Where the line falls between excluded flood and covered water entry is a coverage question; our job is to value the physical damage accurately and identify its cause.
Winter losses
Heavy, wet storms load roofs and carports. Ice dams push water under shingles. Cabins and rentals left unheated can freeze. In October 2010, tornadoes even struck near Bellemont west of town.
Areas we cover
Downtown, Southside, Cheshire, Coconino Estates, Continental, University Heights, Ponderosa Trails, Kachina Village, Mountainaire, Doney Park, Timberline and the surrounding parts of Coconino County, including Williams and Sedona.
Appraisal services in Flagstaff
Every Arizona Insurance Appraiser service is available to owners in Flagstaff and across Coconino County, including:
- Appraisal Clause Representation
- Homeowner Claim Appraisal
- Commercial & HOA Claim Appraisal
- Roof & Hail Damage Appraisal
- Monsoon Wind & Microburst Appraisal
- Water & Slab Leak Damage Appraisal
- Fire & Smoke Damage Appraisal
Questions from Flagstaff property owners
Is post-fire flooding covered by my homeowners policy?
Surface flooding is commonly excluded and needs separate flood insurance. Mudflow and debris situations can be more complicated. Talk to an attorney if the carrier denies a significant claim on that basis.
Do you handle vacation rental claims in Flagstaff?
Yes. Short-term rentals often have landlord or commercial policies with different terms, and we value the loss accordingly.
Can snow load damage be appraised?
Yes, once the carrier accepts coverage. Structural repairs often need an engineer’s input, which we coordinate.