Flooding can happen quickly in Florida, especially during heavy rainstorms or storm surge events. Many drivers assume their standard auto insurance policy will cover water damage, but that is not always the case. Understanding your coverage is essential to protect your vehicle and your finances. Percheron Insurance Group, serving Pinellas County, FL, helps drivers make informed decisions about their auto insurance.
Does Liability Insurance Cover Flood Damage?
Basic liability insurance does not cover damage to your own vehicle. It is designed to pay for injuries or property damage you cause to others in an accident. If your vehicle is damaged by flooding and you only carry liability coverage, you will be responsible for all repair or replacement costs out of pocket.
Comprehensive Coverage Protects Against Flooding
Comprehensive coverage is the portion of your auto insurance policy that typically covers flood damage. This type of coverage protects against non-collision events such as floods, hurricanes, severe storms, theft, and vandalism.
If your car is damaged or totaled due to flooding, comprehensive coverage can help pay for repairs or reimburse you for the vehicle’s actual cash value, minus your deductible. Without this coverage, flood-related losses are not covered.
What to Do After Your Car Floods
If your vehicle has been exposed to floodwaters, avoid starting the engine, as doing so can cause further damage. Instead, document your vehicle’s condition with photos and contact your insurance provider as soon as possible. An adjuster will inspect the vehicle and determine whether it can be repaired or declared a total loss.
Prepare Before the Next Storm
Flood risk is a reality for many Florida drivers, especially those living near coastal areas. Reviewing your auto insurance policy and adding comprehensive coverage can help protect you before the next storm hits.
For help finding the right coverage, contact Percheron Insurance Group, serving Pinellas County, FL. Our team can help you choose a policy that keeps you protected through hurricane season and beyond.
