Flooding is one of the more dangerous natural catastrophes you might experience when least expected. Worse, it is difficult to control the kind of damage it brings. For example, excess rains can cause severe car damage if proper drainage systems are not in place in the area. Heavy rains may also result in devastating accidents on the road. Of course, you then look to your insurer if you fall victim to these elements.
Your selection process is essential when looking to take out auto insurance coverage. Accordingly, consider any unexpected challenges you might face that would necessitate a claim. For instance, flooding could cause serious car damage, especially to the engine. Keep reading to gain a more comprehensive understanding of flood damage and auto insurance coverage.
When You Should Be Covered for Flooding
Before you do anything else, it is prudent to ensure that you have comprehensive insurance auto coverage. In many cases, special coverages such as flooding damage are unique and attract an additional fee. At first glance, this might seem costly or unnecessary, particularly because flooding damage is not anticipated as frequently occurring. Nonetheless, it's wise to plan for risks like these that can come about when you least expect them. To help you make an informed choice, ensure that the insurer provides you with detailed information on the nature of damage that is catered for in the event of flooding.
Filing an Insurance Claim
Companies have different procedures for filing claims once such damage has occurred. However, certain elements can help hasten the process and increase the chances of approval. For instance, you need to collect as much information as possible concerning the nature of the damage that has taken place. To this end, take clear pictures and videos of the scene while ensuring the location is verifiable. Invariably, the insurer will want to ensure that all proof provided is accurate and consistent with your narrative. You may also have an eyewitness or utilize other resources, such as CCTV, to buttress the claim.
Damage If Windows Are Left Open
Insurance policies sometimes exclude certain forms of damage following a flood. An example of this is if the windows had been left open. In a case like this, you need to understand your role as a vehicle owner because many companies may not cater to such damages. Instead, they would likely associate it with negligence on your end.
In case of flood damage, your auto insurer should be able to give you specific timelines regarding your claim. Thus, from the time your vehicle is towed from the site of the damage, they should be able to explain how long it will take to have it repaired, as this helps enhance your peace of mind.