If your car is flooded as a result of being trapped in rushing water, the damage can be significant. When this unfortunate situation occurs, the next steps are critical for processing your auto insurance claim. Here’s what you should do after your car floods.

What to Do Immediately After a Flood

Document the damage for your auto insurance claim. Take pictures and record videos of your vehicle’s interior and exterior. Provide a brief narration that includes the date, what caused the flood damage, and where your car was located at the time. 

To help minimize damage, arrange to have your vehicle towed to higher ground, so it can dry out faster. Then contact your auto insurance provider to file a claim. Have a licensed mechanic conduct a thorough inspection to determine the extent of the damage. 

How to Figure Out What Your Auto Insurance Policy Covers

The type of coverage you have will determine if your auto insurance carrier will pay for repairs. A comprehensive policy offers repair costs or replacement if your vehicle is a total loss.

Depending on the coverage terms, the flood damage typically must be caused by a natural disaster. Damage from heavy rains, hail, and rising water from a nearby lake or river are typically covered.

However, check your plan for limitations, such as if your car’s windows or sunroof were left open and water got in. Some carriers may consider this neglect on the policyholder’s part and may not pay for repairs. 

Keep in mind that you will be responsible for paying your deductible first before the insurance firm will pick up the rest of the tab. A vehicle considered a total loss may be replaced for its depreciated value, which is the cash value of a car at the time of the loss. 

Southern Insurance Associates in Hixson, TN, will help protect your vehicle from the unexpected. The independent agency serves Tennessee, Alabama, and Georgia with reliable and affordable coverage through their partnerships with top-rated insurance carriers. For a free, no-obligation quote, call (423) 296-0626 or request one online.