The top-rated flood insurance agent in Commerce City, Colorado is Eddie Olivas - State Farm Insurance Agent, rated 4.8 stars across 290 reviews. Other highly rated options include Matthew Carlson: Allstate Insurance, Tyrone Byrd - State Farm Insurance Agent, Aspen Insurance Group. This directory lists 13 flood insurance agents serving Commerce City.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Eddie Olivas - State Farm Insurance Agent | 7270 Magnolia St | (303) 288-8880 |
| 2 | Matthew Carlson: Allstate Insurance | 10250 Idalia St Ste 6 | (720) 699-1133 |
| 3 | Tyrone Byrd - State Farm Insurance Agent | 13611 E 104th Ave #700 | (720) 535-1191 |
| 4 | Aspen Insurance Group | 6990 E 72nd Ave | (720) 542-9556 |
| 5 | Premier Group Insurance Commerce City Colorado | 6990 CO-2 | (720) 645-1908 |
| 6 | Marcus Sanchez - State Farm Insurance Agent | 18220 E 104th Ave #102 | (303) 835-9938 |
| 7 | InsurB Inc. | 7249 Magnolia St | (720) 660-9365 |
| 8 | Geoffrey Torres American Family Insurance | 13659 E 104th Ave #550 | (303) 429-7024 |
| 9 | Derby Business Solutions and Derby Insurance | 6537 E 72nd Pl | (303) 288-4400 |
| 10 | Blair & Blair Insurance Unlimited | 6401 E 72nd Ave | (303) 286-1235 |
Eddie Olivas - State Farm Insurance Agent in Commerce City, Colorado, offers flood insurance policies designed to protect residential and commercial structures from water damage. Service includes evaluating property flood risk and explaining available coverage options to local clients. Maintenance may involve reviewing and updating policies annually to reflect changing flood maps. The agency provides protection for single-family homes, apartments, retail spaces, and restaurants.
Matthew Carlson Allstate Insurance provides comprehensive flood insurance services in Commerce City and the surrounding area, including policy consultations, risk assessments for water damage, and assistance with federal flood insurance program options. The agency offers ongoing policy reviews to ensure coverage remains appropriate as property values and flood maps change. It regularly maintains client files and updates plans to reflect new regulations or shifting risk zones. This agent handles coverage for single-family homes, apartments, retail locations, and restaurants, tailoring each policy to the specific flood exposure of the property.
Tyrone Byrd - State Farm Insurance Agent serves the Commerce City, Colorado, metro area, providing flood insurance. As a local agent, this office helps residents assess their property's exposure to water damage and find coverage options from the National Flood Insurance Program. Flood policies help protect homes and belongings from rising waters that standard homeowners insurance typically excludes. The agent also guides clients through the application process and assists with filing claims to help property owners navigate their policy terms and recover losses.
Aspen Insurance Group assists homeowners, businesses, and property managers in Commerce City, Colorado, with securing flood coverage to protect against water damage from storms and overflow. The agency evaluates each property’s specific risk level to recommend appropriate policies from available insurers. Clients receive guidance on navigating flood zone requirements and potential claims processes. Its services also extend to residents and commercial owners in nearby Brighton, ensuring broader metro-area access to essential flood insurance options.
Serving Commerce City and the surrounding Denver metro communities, Premier Group Insurance Commerce City Colorado handles residential and commercial flood insurance policies for property owners in flood-prone areas of Adams County. The agency understands local flood zone maps, elevation certificates, and NFIP requirements to match coverage with the property’s specific risk. For a typical job, it assesses the structure’s flood history and zone designation, then recommends a policy that balances required federal coverage with additional private options.
Marcus Sanchez - State Farm Insurance Agent in Commerce City, CO, assists clients with flood insurance, distinguishing between a one-time policy for a single property purchase and recurring annual coverage for ongoing protection. Standard policies typically cover structural damage from rising water, excluding finished basements and personal contents unless separate endorsements are added. In this flood-prone region, services are provided strictly on an as-needed basis, with clients contacting the office to initiate a quote or amend existing coverage.
InsurB Inc. provides guidance on flood insurance options for property owners in Commerce City, Colorado. The company specializes in policies that address risks from heavy precipitation and nearby water sources. It assists residential clients and commercial operations, with particular attention to real estate transactions requiring coverage. The business additionally serves local commercial sectors seeking protection for offices, warehouses, and food service establishments.
Geoffrey Torres American Family Insurance specializes in flood insurance agency services for Commerce City, CO, and offers broader coverage consultations for property owners. The agency assists clients in selecting suitable policies to protect homes and businesses from water damage. It provides guidance on navigating flood zone regulations and filing claims after storms or rapid snowmelt. Its representatives help residents prepare for the elevated risks during spring thaws and heavy summer downpours.
Spring thunderstorms and snowmelt runoff frequently bring flood risks to Commerce City properties, making coverage an essential consideration for homeowners and businesses in low-lying areas. Derby Business Solutions and Derby Insurance provides guidance on federal and private flood insurance options, helping clients understand what their specific policies cover. The company reviews local flood zone maps and policy exclusions during consultations. To begin, a representative examines the property’s elevation and potential drainage issues during an initial flood-risk assessment visit.
Blair & Blair Insurance Unlimited serves homeowners, businesses, and property managers in Commerce City, Colorado, with specialized flood insurance policies. The agency helps clients understand federally backed and private coverage options tailored to local flood zone requirements. Navigating FEMA regulations and elevation certificate needs is a key part of the service provided. This guidance ensures protection for residential and commercial structures against flood damage. The agency also extends its flood insurance services to the surrounding communities of Aurora and the greater Denver metro area.
What Does a a Flood Insurance Agent in Commerce City Cost?
The cost of flood insurance in Commerce City Colorado depends on your property's flood zone elevation and the amount of coverage you choose. NFIP policies average between 700 and 1500 dollars per year for a standard home but can be higher in high-risk areas. Private market policies may offer lower rates for lower-risk properties. This is general information not insurance advice.
About flood insurance agents in Commerce City
Flood insurance agents in Commerce City Colorado help property owners understand their flood risk and secure coverage through the National Flood Insurance Program or private insurers. Colorado law requires that certain properties in high-risk flood zones carry flood insurance as a condition of a mortgage from a federally regulated lender. Working with a local agent ensures you get a policy that meets both state and federal requirements.
Frequently Asked Questions
Is flood insurance required in Commerce City Colorado?
Yes if your property is in a Special Flood Hazard Area designated by FEMA. Lenders will require it for mortgages backed by federal agencies. Even outside high-risk zones many homeowners choose to buy a policy.
What does a flood insurance agent do in Colorado?
An agent helps you assess your flood risk using local flood maps and elevation data. They then quote policies from the NFIP or private carriers and help you file claims if needed.
How long does it take to get flood insurance in Commerce City?
NFIP policies have a 30-day waiting period before coverage begins unless the policy is bought in connection with a new home purchase or a loan closing. Private insurers may have different waiting periods.
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