Flooding in your car can cause everything from mold issues to engine problems.
Many homeowners are worried about their home flooding, but few motorists are concerned about their vehicle suffering flood damage. You should not forget that if the streets are flooded and your garage is knee-deep in water, your car will inevitably be damaged.
According to info from the National Flood Insurance Program (NFIP), floods are the number one natural disaster in the U.S. Floods happen even in the most unexpected places, and water can occur even if the storm isn’t objectively that bad. Just a few inches of water from a flood is enough to cause intensive damage to your car!
Depending on the severity of the flood, your vehicle can suffer from everything from electrical and computer system failure to airbag and brake malfunction. Even minor flooding can lead to mold, rust, and other corrosion that affect your car’s performance and resale value. Many motorists turn to their auto insurance to help cover the repair costs due to flooding.
A Shallow Solution
If you live in an area that expects heavy rain or if a big storm is predicted, be sure to get your car to high ground (cars can be carried away by fewer than two feet of water!). Make sure that all windows, sunroofs, and trunks are closed, and you may even consider a water-resistant pump system for your garage.
Fortunately, comprehensive coverage can help to safeguard your wallet if your ride is hit by disasters, such as floods, falling objects, and more! When you choose this coverage, you’ll be able to select a deductible, an out-of-pocket cost you agree to pay before your insurer pays for any damages. Many people opt for a low deductible so that mishaps like flood damage don’t cost them more than a pretty penny.
It’s important to note that if you don’t carry comprehensive coverage on your car insurance, you’ll likely be responsible for paying for any repairs your car needs due to flood damage. If you do carry this coverage, always notify your insurance company as soon as possible if you think your ride may have suffered some damage from a flood – this can prevent further damage!