Does Auto Insurance Cover Flood Damage?

​Flooding is always a possibility during the rainy season or in low-lying areas. And, more and more people are at risk of its dangers. Because of this, it's wise to be prepared for what to do if your car gets stuck in a flood and how insurance will factor in.

Comprehensive Car Insurance
Although it may be costly, comprehensive car insurance protects your vehicle against many of life's unexpected hazards, especially floods. Your comprehensive insurance will pay for the repairs if water damages your car. However, the claim might depend on how deep the water is around your vehicle and how far it gets inside. 

• A deductible will also apply to any claims filed under your comprehensive policy.
• If the extent of the damage is limited to the floor of your vehicle, you may only need to pay your deductible plus a small out-of-pocket amount to get it fixed. 
• But the damage could be worse if the water level gets any higher. The insurance policy will still cover you after your deductible, but you risk a total loss. In this case, you will get the cash value of your car and have to surrender it.

You can only do something if you have comprehensive car insurance. Standard homeowner's insurance policies do not cover flood damage, and even with an additional flood policy, only the contents of your vehicle are insured.

Other Insurance Policies
Towing insurance, which can be added inexpensively to your current policy, may also help you during a flood. Another one is car rental reimbursement insurance. It might help you return to the road quickly after a flood has damaged your vehicle.

Filing A Claim
If your car was damaged in the flood, you can file a claim just like you would for any other damage. But it would be best if you did this as soon as possible because the longer water sits on your car, the more damage it can do. 

Also, if you want a fair settlement, you must carefully document the damage to your car. To prove the extent of the water damage, you should capture photos and videos from various perspectives.

Conclusion
During the rainy season or in low-lying places, flooding is always possible. And more and more people and vehicles are in danger because of it. Because of this, you should be ready and get comprehensive car insurance as soon as you can. 

At Roper Insurance Services, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (828) 697-6709 or Click Here to request a free quote. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!