What to do if my car gets flooded; Does my insurance cover it? - Fox 2 News Headlines

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What to do if my car gets flooded; Does my insurance cover it?

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Check Your Insurance

Car insurance does cover flood damage to cars, as long as you have selected the right coverage on your auto insurance policy. A flood can easily total out a car and the only way to get your insurance company to pay for the repairs or your total loss is to carry comprehensive coverage on your policy.

Call the claim in immediately

Time is of the essence in regards to a flood damage claim. Contact your insurance company's claim service as soon as possible if your insurance agent's office is not available. Especially in a catastrophic claim situation, you want to be first in line to get your claim processed.
Document the Damage

Use your digital camera or phone to snap some shots of the destruction wreaked on your vehicle. Pictures of the damage at its peek awfulness could come in handy -- especially if the insurance company is deluged with claims. Companies such as Progressive Insurance also recommend you "measure the depth of water that submerged your car" and "how long it was submerged for." This will help determine how salvageable some of the damaged parts might be.

Get the vehicle dried out as soon as possible
The sooner your vehicle gets dried out the better your chances of avoiding a total loss situation. Do not try to dry your vehicle on your own. Be sure to contact the appropriate professionals.

Should I Start My Car?


Some experts think that starting your car immediately poses no risk. Others, such as insurance company State Farm, recommend that you avoid starting or driving your car until after an inspection has been done. This is to avoid doing additional damage to your water-logged vehicle.

What If I Do Start It?


Some cars may drive fine at first, but could develop problems later on. It really depends on the extent of water damage.

Air It Out to Prevent Further Damage

After a car has been flooded, you should open the doors, pull out the floor mats and park your car in the sun if you can. This will help your car's interior dry out faster and prevent mildew. If your car simply stews in the floodwater without being dried out, various electrical components and wiring could be put at risk for permanent damage. A good body shop near you should be able to assess the damage and tell you what can be fixed -- and what can't.


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