Wm. Christian Stephens
For the individuals affected in last week’s flood incident. According to Insure.com, Comprehensive coverage insures your car for things other than a collision. Meaning, if you have comprehensive coverage your car should be covered for flood damage. Also, your car insurance company may only pay you the car’s actual cash value.
First, call your insurance company before you do anything to the car. Follow their recommended procedures so that you do not violate the terms of your coverage.
According to Insure.com, you should:
Take photographs to document any damage done to the vehicle.
Let the vehicle sit for at least 24 hours so that the water may drain and or completely dry out.
You should not start the flooded vehicle until a thorough inspection and cleaning is performed.
Arrange an inspection done by a certified technician. They will take the necessary steps to check the engine transmission, axles, brakes, fuel system and other areas for water contamination.
Have your technician flush and replace all the fluids in your vehicle. This may include any oils, filters and gaskets.
Handle hybrid or an electric vehicles with special care. Their complex high voltage electrical systems and battery packs make them difficult to operate after being damaged.