Is There Insurance Coverage for Vehicles Damaged in Floods?

[OAmir]

Typically, if you have commercial insurance that includes vehicle damage coverage, the insurance company will compensate for flood-related vehicle damage. Generally, property insurance covers the following scenarios: fire; explosion (excluding boiler explosions); lightning; hurricanes, typhoons, storms, tornadoes; heavy rain, floods; hail; landslides, avalanches; volcanic eruptions; ground subsidence, etc. However, there are two situations where claims are likely to be denied: The first scenario: if the engine stalls while driving through water and is damaged due to forcibly restarting it, leading to water ingress, the insurance company may refuse to compensate. Therefore, if your vehicle stalls in water, never attempt to restart it forcefully. The second scenario: knowingly driving through severe floodwaters, resulting in engine damage, will also lead to claim denial. Hence, if road water levels have already submerged half of the tires, it is advisable not to drive the vehicle out. Owners should avoid moving or starting the vehicle themselves and should report the incident as soon as possible, noting that the reporting must not exceed 48 hours. The specific compensation amount for vehicle damage will be determined by the insurance company.