Does Insurance Cover Flood Damage

car insurance

If you’re in a location where you experience flooding or hurricanes, you might be asking, “Does insurance cover flood damage?” or “Does insurance cover hurricane damage to cars?” At Lexus of Clearwater, our Clearwater finance team can answer these questions and more when it comes to insurance with flood or hurricane damage. It truly depends on the type of insurance you have, with comprehensive insurance you will most likely be covered.

Does Insurance Cover Hurricane Damage to Cars?

If you live near Palm Harbor or St. Petersburg, you may experience flooding from rain downpours or flooding from hurricanes. But does insurance cover flood damage for vehicles? It depends on the type of coverage you have!

If you have comprehensive coverage, this coverage helps to protect your vehicle from external Belleair events that are not in your control. Flooding and hurricanes are out of your control, so you’re likely covered! Also, this coverage can also protect against collisions, dents, hail storms, and flooding due to hurricanes.

Does Insurance Cover Flood Damage?

With comprehensive coverage, typically your auto policy will cover flood damage by paying for repairs or replacement of a vehicle minus your deductible. All water damage is considered to be flooding, heaving rains, and hailstorms.

So, does insurance cover flood damage? Yes, if you have comprehensive coverage. If you experience rust, fogged lights, or mechanical damage to your vehicle’s engine, electrical system, and transmission, comprehensive coverage can protect these damages minus your deductible. Keep in mind that if your vehicle gets fully submerged in floodwater, it is likely it will be considered a total loss and your auto insurance may replace your vehicle.

As a reminder, be sure to confirm with your St. Petersburg insurance what your deductible will be for comprehensive insurance.

What Will Insurance Not Cover During a Flood?

While comprehensive coverage will cover most of the damage to your vehicle, there are new owner-installed electronics that will typically not be covered by the insurance due to water damage:

  • Stereo systems
  • CD players
  • Scanners
  • CB radios
  • Televisions
  • GPS devices
  • Car phones

Visit us at Lexus of Clearwater!

Now that you have your answers to, “Does insurance cover flood coverage?” and “Does insurance cover hurricane damage to cars?” Contact us today to further discuss insurance options. If you’re interested in leasing, discover the process of returning a lease vehicle with damage.


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