Vehicle Flood Damage: An Important and Sometimes Overlooked Occurrence in Insurance Coverage
Torrential rains were dumped across the Rio Grande Valley causing severe flooding in McAllen, Mission, Weslaco, Harlingen and many other local cities. One thing that many people in the state often overlook is the loss or damage of a vehicle due to flooding. This is just one of the many consequences of a hurricane strike. Let’s go over this very important topic and what you should do when making a report to your insurance agency.
After the Storm
If a powerful storm hits your area and flooding is a certainty, make sure that your car or truck is kept someplace safe where debris and rising groundwater will not be a problem, such as a garage.
If this isn’t possible and you know that flooding will cause substantial damages to your vehicle, then be sure to keep a strict record of what happened to it after the weather has cleared. Firstly, using a phone or camera to snap a few pictures of your vehicle before a storm strikes. This way, if damages occur, your insurer will have an idea of which were specifically caused by the storm. From here, contact your insurer as soon as you can to report your issue.
An insurance adjuster will most likely visit you in the days or perhaps even weeks following the major storm. Be sure to understand that countless others will also be filing insurance reports and this process takes time. The adjuster will inspect your vehicle to determine the extent of damage. Be sure and provide the before photos at this time. Also keep in mind to not make any repairs until an adjuster has first taken a record of your car or truck’s condition. Only then should you ask if repairs can be made.
Longtime insurance professional Rafie Moreno recently spoke about avoiding cars that have been submerged in water. “If you’re one of the thousands that will soon be in the market for a new or used vehicle, the last thing you’re going to want is one that’s sustained extensive water damage. Most reputable pre-owned dealerships will show you a vehicle’s history. You can purchase a vehicle that’s been drenched in water or has a salvaged title, but we DO NOT recommend it. Insurance companies will not provide comprehensive coverage to a vehicle that has a salvaged title. They can cover it with liability insurance, but not full coverage.”
Get Covered Today
We understand that the insurance field can have many rules and regulations that make finding comprehensive coverage quite a challenge. This is where we come in. We’ll do our best to help you locate a plan that’s best suited to your needs and holds all of your interests at heart. If you’re looking for vehicle, home or commercial coverage, then contact our insurance agency in McAllen today to get started!
Motorcycle Riding: A Few Important Facts and Statistics You Should Know
May 14, 2019
Distracted Driving: What it is and Why Shepard Walton King Cares
April 25, 2019
Flood Insurance: Don’t Overlook This Important Coverage in Texas!
March 29, 2019
Get Ready to Ride Your Motorcycle with the Safety of an Insurance Policy!
March 8, 2019
Protecting Your Farm or Ranch with an Agricultural Insurance Policy from Shepard Walton King
January 29, 2019
For the New Year, Be Sure and Secure That Much-Needed Homeowners Insurance Policy
January 9, 2019
Keep Your Home Secure with a Homeowners Insurance Policy During the Holidays!
December 11, 2018
Winter Driving: 5 Items to Keep in Your Vehicle When Traveling in Cold Conditions
November 8, 2018
Breast Cancer Awareness Month: Be Sure to Get Checked and Find a Policy with Us
October 5, 2018
Valley Rainstorms: Be Proactive by Securing a Homeowners Insurance Policy Today
September 17, 2018
- Agency News & Information
- Agriculture Insurance
- Auto Insurance
- Boat Insurance
- Business Insurance
- Car Insurance
- Cyber Liability
- Flood Insurance
- Health Care
- HealthCare Reform
- Home Insurance
- Hurricane Season
- Information Security
- Motorcycle Insurance
- Personal Insurance
- Renters Insurance
- Safety Tips
- Workers Compensation