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Does Auto Insurance Offer Coverage for Water Leaks?

Aug 09, 2023

Car Insurance

Does Auto Insurance Offer Coverage for Water Leaks?

Flooding is a common natural disaster Americans face that damages several homes and businesses yearly. Cars are vulnerable to floods as well since water impairs vehicles irreparably. However, car insurance will pay you for car repairs post-flood conditions. Comprehensive coverage is the only kind of car insurance covering flood damage.

When Does Car Insurance Cover Flood Damage?

To cover flood damage to your car, you need comprehensive auto insurance. This insurance is essential when you have a lease or loan on your vehicle. It is also suitable for new or expensive cars.

Comprehensive coverage covers theft, animal contact, vandalism, fire, and flood damage. The plan includes windshield damage, where you can skip your deductible if the glass can be repaired. You will get reimbursement for your car’s actual cash value for extensive flood damage.

The Extent of Flood Damage That Will Total Your Car

Insurance companies consider two levels of flood damage. Depending on the car’s flooding amount, the company either pays for repairing or replacing it. Comprehensive insurance offers coverage for extensive flood damage and only pays for the original car parts.

If flood water reaches the car floor or just below it, it causes little damage that needs minor repair. However, if flood waters rise above the floorboard, it might damage the electrical, engine, and braking systems. A mechanic will check the car thoroughly to ensure the damage extent, and the coverage will be paid accordingly.

What to Do If You Don't Have Comprehensive Insurance?

To put it out straight, you will have no coverage for flood damage without a comprehensive auto insurance plan. There are many types of car insurance policies, but none pay for flood damage. So, if your locality is flood-prone and you require flood protection for your car, ensure you have a comprehensive policy.

Filing a Claim for Flood Damage

Filing claims for car insurance for water leaks and flood damage is manageable. Claim in person or via telephone, website, or mobile app. Try claiming as soon as possible after flood damage. Take pictures or videos of the damaged car from different angles. If possible, dry your car out. Let a mechanic check your vehicle, including the lube, transmission fluid, and oil.

After checking, the insurance company sends a claims adjuster to evaluate the extent of car damage and see if it is a total loss or can be repaired.

Does GAP Insurance Cover Flood Damage?

A car starts depreciating as soon as you buy it. During initial ownership, some drivers have an upside-down loan. This loan is when the car’s value is less than the total you owe on the loan. GAP insurance covers this gap. This insurance also applies to flood damage, provided a comprehensive insurance policy exists.

How to Avoid Buying a Car with Flood Damage?

Buying a car with flood damage is not a good idea as you might not be able to spot problem areas initially. Check for dampness, musty odors, rust inside the hood, around doors, mud under seats, etc. Check how much damage the flood inflicted on the car before buying it.

Protect Your Car from Flood-damage with Proper Coverage

At Fuller Insurance Agency, we take pride in providing a comprehensive range of auto insurance policies to cater to the unique needs of our valued customers. Whether you seek basic coverage or more extensive protection, we have the perfect policy. Our experienced agents are ready to assist you and address any questions. Don't hesitate to contact us today to explore your options and get your needed coverage. Contact us now and secure your peace of mind on the road ahead.

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