Does a car count as flood-damaged if water reaches half the tire height?
2 Answers
Water reaching half the tire height without submerging the engine or transmission does not qualify as a flood-damaged vehicle. Below are relevant explanations: Flood-damaged vehicle: Refers to a car that has been water-soaked, typically meaning the engine and transmission were submerged, with water depth exceeding wheel and seat levels, where underbody components had prolonged water contact. Such vehicles pose significant hazards as electrical systems are prone to short circuits and fire risks. Symptoms: After seat immersion, uneven softness/hardness may occur across different areas. Check seat elasticity consistency by manually pressing various parts of backrests and cushions - localized stiffness or failure to rebound after pressing should raise alerts.
When water reaches half the height of the tires, I don't consider it a flood-damaged car. Flood-damaged vehicles typically refer to those where water reaches the engine compartment or the interior floor, causing electrical shorts or engine water ingress. If the water only rises to half the tire height, approximately 20-30 cm deep, the air filter and engine are usually still above the water level and won't be directly damaged. I've driven through heavy rain conditions multiple times, and the car could still start normally after such water exposure. The main issues are rust on the chassis or water ingress in the suspension leading to corrosion. It's advisable to rinse the chassis as soon as possible after driving through water and check the electronic connectors and brake system. Regular waterproof maintenance can extend the vehicle's lifespan. Deep water exposure exceeding three-quarters of the tire height is the danger zone, requiring professional inspection to prevent future hidden issues.
