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When most people purchase car insurance, they tend to assume they’re covered for every eventuality. However, the average policy lacks coverage for flood damage, as well as other types of damage. In light of the current hurricane season, here’s a question that should be first and foremost on your mind – “Does my car insurance cover damage from floods?”

According to the National Oceanic and Atmospheric Administration (NOAA), this year’s hurricane season is likely to be one of the most active on record. Storm activity resulting from hurricane conditions can easily cause flooding in low-lying areas. Last year, Superstorm Sandy caused millions of dollars in damage due to massive flooding.

Flooding isn’t just a worry on the coasts. Hurricanes can easily move deep inland and cause severe storm activity that washes away bridges, overflows river banks and floods roadways. In any dangerous storm, there's always the potential for flood waters to damage your vehicle.

Although damages caused by floods are not covered by default, they are covered under comprehensive coverage. In addition to covering damage through theft, vandalism and fire, comprehensive coverage also covers damages caused by “acts of nature,” including floods. If you have a car loan or a lease, chances are there is a good chance that you’re required to carry comprehensive coverage.

Upon filing a claim, an adjuster will take a look at your vehicle to assess the damage. Depending on the amount of damage to your vehicle, your insurance company may reimburse you for the cost of repairs. In cases where the cost of repairing the vehicle exceeds its value, the company will declare the car “totaled” and either reimburse you for the full amount your car is worth or pay off the remainder of your lease or loan.

If your coverage features a deductible, you’ll have to pay that cost before reimbursement begins. Also, remember that if the dollar amount of damage falls at or below your deductible limit, you’ll have to pay for the damage out-of-pocket.

If you drive or park your vehicle in areas that are prone to flooding, it’s a good idea to have comprehensive coverage. If you already have comprehensive insurance, don’t hesitate to review your policy or contact your insurance agent to make sure it covers flood damage. 

To learn more about your Houston car insurance policy or to add additional coverage to your current plan, contact us at 713-227-7283. We’ll help you choose the right coverage options that offer the best protection from life’s hazards, without putting a dent in your budget.
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