How to Claim Insurance for a Parked Car Flooded by Water?

1 Answers
JohnFitz
07/30/25 1:56am
If you have comprehensive car insurance and the vehicle was flooded while parked, the insurance will cover the full cost of repairs. If you have comprehensive insurance and the vehicle stalls and gets flooded while driving, the insurance will cover the damages if you have additional water damage coverage. Without water damage coverage, only damages to parts other than the engine will be covered. If the engine is damaged due to forced starting after the vehicle is flooded, the insurance will not cover the claim. The first step when your car is flooded is to take photos as evidence.
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