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Jeep Driving Through High WaterA flood can strike anywhere, at any time. Sometimes, experts can predict floods, but in other cases flooding seemingly comes out of nowhere.

Whenever a flood strikes, it can cause damages to homes and other property. Your vehicle is also very susceptible to a flood damage. Your car or truck is often exposed to the elements, and any flood poses a risk to cars, both on the road and while parked.

Common Car Damages Caused by Floods


If a flood strikes, your car could be at risk. Car machinery is very sensitive, and water damage can be very pervasive. Therefore, floods could easily cause extensive damages to a very expensive item.

Some of these common water damages include:
  • Damage to the engine, battery, gas and electrical systems
  • Mold and mildew growth
  • Interior damages, including electric and upholstery destruction
  • Corrosion and damage to the suspension and steering systems
  • Paint fading and decorative deterioration
Common car maintenance procedures are often expensive enough. Extensive flood and water damages could cause your repair costs to skyrocket.

How to Pay for Flood Damages


The good news is that your car insurance policy will generally pay for some or all flood damages to your car.

However, car insurance companies will likely need to verify the driver did not behave negligently in regard to the damages. If an owner's negligence caused the water damages, then insurance may have grounds to deny a claim. Car owners should do everything they can to reduce the risks of flood damages to their vehicle. By doing so, there's a higher chance of insurance honoring their claims.

How to Protect Cars from Flood Damages


Every responsible vehicle owner should protect a vehicle from flood risks. Many of these recommendations are common sense approaches to prevent damages.
  • In inclement weather, make sure that you close and seal all windows and doors on your vehicle. Check these seals periodically to make sure they still work. This will prevent water from seeping in through these cracks.
  • Some owners opt to cover cars with tarps or store them in garages when water damage risks threaten.
  • If a flood threatens rising waters, move the car to an elevated area or store it in a sealed place.
  • During heavy rains or floods, use caution when driving. Avoid flooded areas. Do not try to drive through deep puddles. You never know how deep a flooded area is. If you accidentally drive into a deep flow, then the car could sink. The driver's negligence in these cases could lead to a denial of a car insurance claim.
Car insurance will likely protect your car in the event of flood damages. However, drivers must be diligent and protect their cars at all costs. Don't let a car sit exposed to flooding.

TCU Insurance Agency can issue both car and flood insurance policies. Whatever property you need to protect from floods, we can help. Give us a call at (800) 772-8043 for a free car insurance quote.
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