How to Claim Compensation for a Car Flooded in the Garage?
2 Answers
As a public facility and site, the parking lot is the responsibility of the property management company to maintain and manage, which falls under the agreed management scope of the "Property Service Contract". In the event of a car being submerged due to heavy rain, if the car owner has purchased water damage insurance, then even if the engine is damaged, they can file an insurance claim.
I've got plenty of experience with flood damage claims for vehicles. If your car gets flooded in your own garage, the first thing to check is your insurance policy. Many car owners overlook this - standard comprehensive insurance often doesn't cover flood damage, you'll need additional wading insurance or natural disaster coverage. First step: don't start the engine! If water gets into the engine, repair costs can double. Best to take video evidence of the waterline and damage. Then contact your insurer to file a claim - they'll send an assessor; if the damage is severe they may total the car and pay market value. The whole process takes weeks to months, just be patient. Some owners complain about lack of evidence leading to reduced payouts. Remember to choose higher garage locations or discuss waterproofing with property management to avoid unnecessary expenses.
