What is the Key to Assessing Damage After a Vehicle is Flooded?
2 Answers
The key to assessing damage after a vehicle is flooded is whether a secondary start-up was attempted, because according to insurance regulations, if the engine is damaged due to a secondary start-up, the insurance company may refuse to cover the claim. Here is a detailed introduction to the insurance claim situation for water-damaged vehicles: If a vehicle is parked and gets flooded, the insurance company will fully compensate if the vehicle has comprehensive insurance. If a vehicle is flooded while driving, this involves whether the vehicle has flood insurance or comprehensive insurance. If insured, the insurance company will fully compensate. If a vehicle is flooded while driving and there is a secondary ignition after the engine stalls, it is not covered by insurance. If the vehicle does not have comprehensive insurance, the insurance company will not provide compensation, and the owner will need to pay for repairs after the vehicle is flooded.
I've been repairing cars for twenty years and have handled many flood-damaged vehicles. The key is not to start the engine immediately—water entering can destroy critical components like the engine and transmission, and starting it makes things worse. Then, tow the car to a dry location and carefully check the water level. If it's above the chassis, the entire car will need a major overhaul, requiring disassembly to inspect wiring harnesses, ECUs, and seat cushions. Take detailed photos of the damage to help insurers assess the claim faster and minimize delays. Don’t forget rust prevention, or parts will corrode easily, posing safety risks. In short, act quickly, avoid DIY fixes, and contact professionals for evaluation right away.
