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    Why Flooded-Out Cars Are Likely Total Losses

    When filing auto insurance claims, be patient and prepare for the worst, experts say

    An SUV is seen submerged on the street after the area was inundated with flooding from a Hurricane. Photo: Joe Raedle/Getty Images

    Car owners with a vehicle that was swept up by a hurricane or flood face two hard facts. Their car is almost certainly totaled, if it was swamped. And their compensation will depend on their car insurance coverage

    “Flood damage is covered under the comprehensive portion of a car insurance policy,” says Loretta L. Worters, vice president at the Insurance Information Institute. “Comprehensive coverage is generally optional, although your lender may require it if you have an auto loan.” She says only about three-quarters of people carry comprehensive coverage.

    That leaves many people without this protection.

    Worters also says that “with today’s inflation and the tremendous rise in used-vehicle prices, consumers should make sure they have the right amount of auto insurance—not just comprehensive—to protect them.”

    Be Prepared for Your Car to Be Totaled

    You may have a strong emotional connection to your car, but if it has been in a flood, it might be too expensive to repair. That’s because “when water enters your engine’s air intake, it can lead to all sorts of problems,” says John Ibbotson, chief mechanic for Consumer Reports.

    MORE ON WEATHER EMERGENCIES AND CAR INSURANCE

    On most cars, the intake is at the front, and it brings in fresh air to the engine as you drive.

    “The water can enter this intake and fill your engine cylinders, which can stall the motor or leave the motor unable to turn over and start,” Ibbotson says. “In addition, there is the chance of computer modules failing from getting wet, and long-term electrical problems down the road.” Mold is another potential problem.

    EV and hybrid cars, with their large batteries and high-voltage electrical systems, can be a particular risk when damaged by flooding. According to the National Fire Protection Association, flood-damaged EV and hybrid batteries can produce flammable gases, posing a major fire hazard.

    “Car owners should file a claim as soon as possible,” Worters says. She suggests taking pictures or video to show the extent of the damage, being sure to capture damage from downed trees or power lines as well as from flooding.

    Used to be, an insurance adjuster would also take photos of the vehicle, says Ellen Edmonds, a spokesperson for AAA. But these days an insurance company may ask you to join in a Zoom or FaceTime call so that the adjuster can see the damage remotely. This helps speed up the process in the aftermath of a natural disaster, when adjusters are busy and traveling is difficult. 

    In most cases, it is determined that the cost of fixing a damaged engine, electrical and computer parts, and a car’s interior (for mold, moisture, or corrosion), not to mention possible long-term corrosion and electrical damage, is too high to warrant repairs, Ibbotson says.

    @consumerreports When filing auto insurance claims, be patient—and prepare for the worst. Learn more at cr.org/cars. #carsoftiktok #cartok #carcommunity ♬ original sound - Consumer Reports

    Are You Covered for the Worst?

    Consumer Reports recommends that all car owners consider having comprehensive coverage even if their car is older.

    “If you did not elect to purchase comprehensive coverage, there would be no insurance on the car for flood damage,” Worters says.

    Myles Mitchom, a spokesman for State Farm Insurance, says drivers should contact their insurance agent before a flood or storm to make sure they have adequate coverage for their vehicles, including comprehensive coverage.

    How to File a Typical Claim

    • Contact the agent or company that sold you the insurance policy to file a claim. Many insurers have disaster response stations or will soon be setting them up in some of the areas that have been affected by storms or floods. Check to see whether your company has a response team near you.
    • Document your property damage with photos and video as soon as possible—if you can do it safely—and provide this information to your insurance adjuster. 
    • Documenting with video or photo is important because each claim presents its own issues that need to be considered, says April Eaton, a spokesperson for Allstate Insurance. “Factors may include—but not be limited to—the extent of damage, type of damage, age of a vehicle, make/model of a vehicle, and mileage driven to date on the vehicle in question,” she says.
    • Consumer Reports urges owners to get a claim number and the name and phone number of the adjuster when filing a report. Find out when you can expect to be contacted. Ask for a payout estimate, and how you can limit your out-of-pocket expenses. If you’ll need to rent a car, ask for details about reimbursement before you do so.

    Set Your Expectations

    If your car was flooded during a natural disaster, you may be one of thousands of car owners looking to have your car assessed and either repaired or replaced.

    Worters, with the Insurance Information Institute, says the process isn’t complicated. “If a vehicle was submerged, it doesn’t take an insurance company very long to inspect it and declare it is salvageable or a total loss,” she says. But you may need to be patient if your car is just one of many that needs to be assessed.

    If You've Been Displaced

    “All you need to do is make a phone call to your insurance agent or company,” Worters says. “The companies all have claims departments to help people with storm recovery, and they can walk you through the process. The insurer can access your policy information.”

    If You Don't Know Where Your Car Is

    For starters, keep yourself safe and don’t risk making an automobile claim something much more serious. “You should not take any actions that would put you in danger,” Worters says. “Tell your insurer the last location of the vehicle and ask for their recommended next steps. In many situations with flooded cars, the insurer will send a tow truck to retrieve it, as a submerged vehicle, if it even starts, could be dangerous to drive, particularly if water got into the electrical components.”

    If you can’t find your car, check with the police and any local agencies assisting with cleaning up after a flood. They may have had flood-damaged vehicles towed to an impound lot or storage facility. They should be able to tell you where all the towed vehicles are being stored.

    Worters says new technology being used during natural disasters, such as drones, can expedite the process.

    “If you can’t get to your vehicle, ask your insurer if they are using drones, and perhaps they will be able to take an aerial picture of its location as initial documentation of the loss,” she says.

    Be Careful When You Inspect Your Car

    Owners should be careful when they’re finally reunited with their vehicle. When you inspect your flood-damaged vehicle, Allstate’s Eaton suggests that you:

    • Survey the car’s potential damage and note how high the water rose in your car. 
    • Don’t try to start your car when you get back to it. This will cause more damage if water is in the engine.
    • Start drying out your vehicle as quickly as possible, and contact your insurance company to help facilitate a tow. “Quickly drying a car flooded by salt water is especially important, because salt water is very corrosive,” Eaton says.

    State Farm’s Mitchom adds that it’s important to contact your insurance agent or the company to say that your vehicle has been flooded. It’s also important to know your own limitations.

    “If you don’t have the right training and personal protective equipment, it’s safer, in most cases, to leave the cleaning up to professionals,” he says. “Some floodwaters contain raw or untreated sewage and other contaminants that may pose serious health hazards during cleanup. The Centers for Disease Control offers more information on this topic.”