Residents cleaning up after last week’s historic flooding are asking what to do about cars damaged by the water. WPBF 25 News reported that most drivers with car insurance are likely covered, but coverage depends on how and where the vehicle was damaged.
The first step is to leave the car alone. Do not start a flooded vehicle, because running the engine with water inside can destroy it.
Next, file a claim with your auto insurer as soon as possible. Mark Friedlander, the Florida spokesperson for the Insurance Information Institute, said comprehensive coverage handles flood damage, and most Florida drivers carry it. An adjuster will be assigned to the claim and will explain what photos or documents are needed.
The circumstances matter. Friedlander said claims for intentional acts, such as driving through a flooded street, are often denied even with comprehensive coverage. Cars that take on water while parked in a lot, driveway or on the street are typically covered.
If the car is totaled, gap coverage can pay the difference between the vehicle’s actual cash value and the balance still owed on a loan or lease. Rental coverage in many policies typically pays for up to 30 days, or a per diem amount, depending on how the policy is written.
