{"id":43025,"date":"2024-02-14T15:49:40","date_gmt":"2024-02-14T20:49:40","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?p=43025"},"modified":"2025-02-27T13:09:48","modified_gmt":"2025-02-27T18:09:48","slug":"does-car-insurance-cover-flood-damage","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/does-car-insurance-cover-flood-damage","title":{"rendered":"Does car insurance cover flood damage?"},"content":{"rendered":"\n<p>If your car has suffered water or flood damage, you might be wondering if your car insurance will cover it. Here\u2019s everything you need to know about flood damage, what coverage you need and some helpful tips to prevent water damage to your car.<\/p>\n\n\n\n<div class=\"home-resources-orange-border\" style=\"width:100%;\"><strong>Table of Contents<\/strong> <ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#00; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#comprehensive\">Comprehensive coverage and flood damage<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#assessing\">Assessing flood damage in vehicles<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#claim\">Filing a claim for flood damage <\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#deductibles\">Deductibles and flood damage coverage<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#gap\">Gap insurance and flood damage<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#measures\">Preventative measures for flood protection<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#faq\">FAQ<\/a><\/span><\/li><\/div>\n\n\n\n<a id=\"comprehensive\"><h2 style=\"margin-top:25px; margin-bottom:0px;\">Comprehensive coverage and flood damage<\/h2><\/a>\n\n\n\n<p>Your car insurance will cover flood damage to your vehicle if you have comprehensive coverage. This is typically the only way to protect your vehicle from flood damage, since most homeowners and flood insurance policies do not include coverage for cars.<\/p>\n\n\n\n<p>Comprehensive coverage is an optional insurance coverage that pays for damage to your car not related to a collision. This includes things like:<\/p>\n\n\n\n<ul style=\"margin-top:-15px; margin-bottom:15px;\"><li>Natural disasters and storms<\/li><li>Fires<\/li><li>Theft<\/li><li>Vandalism<\/li><li>Damage caused by hitting an animal<\/li><\/ul>\n\n\n\n<p>Comprehensive coverage is not typically required for car insurance policies. However, you may be required to carry comprehensive coverage if you have a loan or lease. Check in with your insurance company to see if you have it.<\/p>\n\n\n\n<a id=\"assessing\"><h2 style=\"margin-top:25px; margin-bottom:0px;\">Assessing flood damage in vehicles<\/h2><\/a>\n\n\n\n<p>Remember, it\u2019s never safe to drive or walk in floodwaters. According to the Centers for Disease Control and Prevention, more than half of all flood-related drownings happen when a vehicle is driven into floodwaters. The next highest percentage of flood-related deaths is due to walking into or near floodwaters.&nbsp;<\/p>\n\n\n\n<p>If your car is submerged, do not attempt to start it. If there is water in the engine, attempting to start it can cause damage beyond repair.&nbsp;<\/p>\n\n\n\n<p>Determine how deep the car was submerged. It\u2019s possible that water did not enter the cabin or any parts susceptible to damage.<\/p>\n\n\n\n<p>Try to dry your vehicle as soon as possible. You may need to have a towing service move your car to higher ground to avoid further damage. &nbsp;<\/p>\n\n\n\n<p>Use a wet and dry vacuum to remove standing water, and use towels to dry the seats. Remember to check any compartments. Take anything removable like floor mats out. Open the doors and keep air flowing with a fan. Note the kind of water your vehicle was in. Salt water is more corrosive and can cause more serious damage to your car.<\/p>\n\n\n\n<a id=\"claim\"><h2 style=\"margin-top:25px; margin-bottom:0px;\">Filing a claim for flood damage<\/h2><\/a>\n\n\n\n<p>We know that filing any kind of car insurance claim can be stressful. Our unique claims services will simplify the process, getting you back on the road in no time.<\/p>\n\n\n\n<ol><li><strong>File Your Claim<\/strong><br \/>Please have your policy number ready. You can file a <a href=\"https:\/\/efnol.plymouthrock.com\/#\/login\">claim online<\/a> or by <a href=\"\/contact\">contacting us<\/a> directly.<\/li><li><strong>Assignment and Tracking of the Claim<\/strong><br \/>After you report your car insurance claim, you\u2019ll receive a claim number to help track its progress. We\u2019ll also assign you a friendly representative to answer any questions you may have.<\/li><li><strong>Damage Evaluation<\/strong><br \/>If your vehicle has damage and the applicable coverage applies, we offer these convenient options to get you back on the road as soon as possible:<ul><li><a href=\"\/claims\/carpics-photo-appraisals\">CarPics<sup>SM<\/sup> Photo Appraisals:<\/a>&nbsp;Eliminate the need to schedule a claims inspection and receive your estimate within hours. You may even get paid that same day.<sup>*<\/sup><\/li><li><a href=\"\/claims\/services\/crashbusters\">Crashbusters<sup>\u00ae<\/sup> Mobile Claim Service:<\/a>&nbsp;Have a representative meet you to appraise the damage at a time and place that\u2019s convenient for you, oftentimes, issuing you a check on the spot.<\/li><li><a href=\"\/claims\/services\/door-to-door-valet-claim-service\">Door to Door Valet Claim Service<sup>\u00ae<\/sup>:<\/a>&nbsp;Let us pick up your car and handle the repair process from start to finish. If you have rental coverage, we\u2019ll even coordinate a rental car.<\/li><\/ul><\/li><li><strong>Receive Your Claim Settlement<\/strong><br \/>Based on your situation, Plymouth Rock may pay your claim to the repair shop or we may reimburse you directly. Your claim payment will be based on the terms and coverage in your car insurance policy.<\/li><\/ol>\n\n\n\n<a id=\"deductibles\"><h2 style=\"margin-top:25px; margin-bottom:0px;\">Deductibles and flood damage coverage<\/h2><\/a>\n\n\n\n<p>Since flood damage is covered under your comprehensive coverage, you need to pay your deductible when you file a claim. A deductible is your share of the cost for an insurance claim. A deductible is not the same as your insurance premium, which is what you pay to maintain your policy. It\u2019s what you pay before your insurance starts paying for expenses.<\/p>\n\n\n\n<p>For example, say your comprehensive deductible is $500 and it costs $2,000 to fix your flood-damaged car. In this case, you would pay $500 and your insurance will cover the remaining cost.<\/p>\n\n\n\n<a id=\"gap\"><h2 style=\"margin-top:25px; margin-bottom:0px;\">Gap insurance and flood damage<\/h2><\/a>\n\n\n\n<p>A vehicle flooding can quickly cause enough damage that can total your car. This could be financially devastating if you just got that car and still owe money on it.<\/p>\n\n\n\n<p>Typically, lenders will require payment in full for the loss of your car. If you leased your car, you\u2019re still obligated to pay for the monthly installments on your totaled vehicle. Totaling a leased vehicle doesn\u2019t void the lease contract.<\/p>\n\n\n\n<p>You can protect your investment with Loan\/Lease Gap coverage. This coverage pays for the difference between what your car is worth and what you still owe on it. It can help free you from having to make payments on a car you can no longer drive.<\/p>\n\n\n\n<p>New Car Replacement coverage from Plymouth Rock can also give you peace of mind when you have a new vehicle. We will pay the cost of replacement for the same make, model and year of your car, if available, if you experience a total loss as the original owner and your car was two model years old or less at the time.<\/p>\n\n\n\n<p>Please note you can\u2019t combine Loan\/Lease Gap coverage with New Car Replacement coverage.<\/p>\n\n\n\n<a id=\"measures\"><h2 style=\"margin-top:25px; margin-bottom:0px;\">Preventative measures for flood protection<\/h2><\/a>\n\n\n\n<p>While floods may happen suddenly, there are still a few preventative measures to better <a href=\"\/resources\/what-to-do-if-your-car-floods\">protect your car from flood damage<\/a>. Here are some tips to avoid water-related risks to your car.<\/p>\n\n\n\n<p>Stay on top of weather alerts. If there\u2019s a flood warning for your area, move your car to higher ground if possible. This also means to avoid parking by flood-prone areas, like river banks or bodies of water.<\/p>\n\n\n\n<p>Again, never drive through floodwater. Water can be deceptively deep and dangerous- just six inches is enough to float a car. Water could also enter the intakes and flood your engine. Even if you have a lifted vehicle, it\u2019s best to turn around and go another way.<\/p>\n\n\n\n<a id=\"faq\"><h2 style=\"margin-top:25px; margin-bottom:0px;\">FAQ<\/h2><\/a>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"43026\" class=\"elementor elementor-43026\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b6fa961 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b6fa961\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8935f04\" data-id=\"8935f04\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8552a06 elementor-widget elementor-widget-accordion\" data-id=\"8552a06\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1391\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1391\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Does car insurance cover water damage from rain?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1391\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1391\"><p>Flooding doesn\u2019t just mean water from below- heavy rain and snow can flood your car as well. Make sure the seals around your windows and doors are in good condition. The seals on older cars may become brittle and less effective over time, so have a trusted mechanic replace them if yours are worn.<\/p><p>Keep the rain channels and drainage holes on your car clear of debris. These help prevent water from pooling up and flooding into the cabin of your car. Typically, these are located by the bottom of the windshield and trunk opening.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1392\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1392\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Does car insurance cover natural disasters?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1392\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1392\"><p>Your car insurance will cover damage to your car as a result of natural disasters if you carry comprehensive coverage.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1393\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1393\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How long does it take for water to damage a car?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1393\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1393\"><p>Water damage may not be apparent immediately. It could take months or even years for corrosion to be noticeable. Electronics can be damaged relatively quickly when exposed to moisture.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"36610\" class=\"elementor elementor-36610\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ee649ab elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ee649ab\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4c502b6\" data-id=\"4c502b6\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-21697f5 post-margins post-link-class elementor-widget elementor-widget-html\" data-id=\"21697f5\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p style=\"margin-bottom: 0px;\"><strong>Now let\u2019s talk about you<\/strong><br \/>\nDo you have the right coverage for your vehicle? We\u2019d love to chat with you about it. Call us at <a href=\"tel:1-800-516-9242\">800-516-9242<\/a> or speak to a <a href=\"https:\/\/www.plymouthrock.com\/find-an-agent\">local agent<\/a>. \n<br \/><br \/>\nIf you\u2019d rather not talk, you can <a href=\"https:\/\/buy.plymouthrock.com\/esales\/entry\/start?PLF_Code=HIPT&amp;iRefid=Website&amp;iRefclickid=Copy_Link\">get a quote<\/a> quickly and easily online. Just enter your ZIP code to get started and see how much you could save!\n<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<p style=\"font-size:10px; margin-top:15px;\">* Certain restrictions apply.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Your car insurance will cover flood damage only if you have the right coverage.<\/p>\n","protected":false},"author":6,"featured_media":43010,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[71],"state":[79,83,80,81,82,84],"class_list":["post-43025","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-auto","state-ct","state-ma","state-nh","state-nj","state-ny","state-pa"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Will Your Car Insurance Cover Flood and Water Damage?<\/title>\n<meta name=\"description\" content=\"Everything you need to know about flood damage, what coverage you need and some helpful tips to prevent water damage to your car.\" \/>\n<meta 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