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Car Flooding Insurance

Florida is a coastal state. With sometimes extreme weather conditions that can include significant thunderstorms and deadly hurricanes, protecting your property becomes imperative.

According to the National Flood Insurance Program, floods or flash flooding is one of the most common natural disasters. Floods have affected each of the 50 U.S. states within the past five years.

One of the most common questions is whether a person’s car insurance covers water damage. Floods can cause extensive car damage and even total a vehicle. Depending on the severity of a flood, a number of issues can result from the water damage.

Find an Attorney for Vehicular Flood Damage in Tampa, Florida

Floods can be devastating. If your insurance company denies your claim for vehicular flood damage, attempting to repair your vehicle can cost thousands. Moreover, you could be left without a car for weeks.

Contact an experienced insurance attorney at Germain Law Group if you believe that your auto insurance company wrongfully denied your claim for flood damage. Our office is located in Tampa, Florida and we accept cases throughout Tampa Bay. Our clients come from Manatee County, Hillsborough County, Pinellas County, Pasco County, and multiple surrounding areas.

Call (813) 835-8888 to schedule a no obligations consultation to find out more information about vehicular flood insurance.


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Overview of Water Vehicle Damage


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What to Do if Your Car Floods?

Until a vehicle owner can get their car to a mechanic, it is essential to attempt to limit the amount of water damage. Some things to keep in mind if you find your vehicle submerged in water include:

While these things do not guarantee that a person will save his or her vehicle from water damage, attempting to minimize the damage could be especially important for a person who may not have comprehensive car insurance.


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When Is Water Damage Covered in Florida

Florida has a rainy season that brings an average of 54 inches of rain each year and flooding is very common. Understanding when your car is covered due to water damage may save a policyholder thousands of dollars in property damage.

Basic liability coverage is unlikely to cover damage to a vehicle due to flooding. Comprehensive car insurance generally covers flood damage on a car. How much a person may be required to pay for flood damage will depend on his or hers chosen premium.


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Other Types of Insurance for Vehicular Flood Damage

Comprehensive car insurance is the only insurance that covers water damage. Homeowners' and renters' insurance policies rarely include flood damage, and if they do, such policies are limited to damage done to the home or personal property inside of the home as a result of a covered loss.

Flood insurance generally only covers personal property that was damaged inside of the policyholder’s vehicle, not the entire car itself.


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Find a Flood Insurance Lawyer in Hillsborough County, FL

If you or someone you know has unfortunately been denied coverage after their car was totaled or damaged due to a Florida flood, contact Germain Law Group. As an experienced insurance attorney, Michael B. Germain is fully equipped to counsel individuals on the merits of their car insurance claims and to aid in preparing a strategy to battle an insurance company for the best possible result.

Our office is located in Tampa, Florida, and we have represented clients in multiple types of Florida insurance matters, including water damage claims, bad faith claims, wind damage claims, and other property insurance issues. We accept cases in Tampa Bay, Florida in counties like Hillsborough County, Pasco County, Pinellas County, Manatee County, and Polk County, Florida.

Call Germain Law Group at (813) 835-8888 now to schedule a no obligations consultation with Attorney Michael B. Germain.

This article was last updated on Wednesday, January 17, 2018.

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Attorney Michael GermainMichael B. Germain is the founder of the Germain Law Group. For over a decade, Michael has been involved in litigating insurance claims and complex commercial matters.
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