Does comprehensive car insurance cover flood damage?

Can my comprehensive insurance cover the cost of replacing the interior of a car destroyed by a flood? I was driving home a week ago when I unfortunately got caught in a flood. I'm okay—though shaken—but my car's interior is completely soaked, and it needs to be replaced. I have comprehensive car insurance, but I don't know if that covers flood damage.

“I’m so sorry to hear that—driving in a flood must have been really, really scary. I’m happy to report, though, that your comprehensive coverage does cover water and flood damage.
Unless otherwise stated in your policy, water and flood damage are covered under comprehensive insurance. Comprehensive insurance is meant to insure you against events that are out of your control, and your circumstances certainly fall into this category.
You will likely have to pay your comprehensive deductible before your insurance kicks in, but it should cover any costs beyond that. So go ahead and file your claim as soon as you can.
If floods are common in your area and you feel that your deductible is a little too high, you might want to look into switching plans or providers to put yourself in a better place should disaster strike again. The Jerry app can help. Jerry will gather customized quotes from several different providers instantly, so you can choose the best deal on the coverage that you need. Jerry will even help you switch plans.”
Ben Guess
Answered on Sep 09, 2021
Ben has a BA in Journalism + Design from The New School, as well as three years’ experience in content writing and data journalism. They are deeply interested in how the car industry intersects with issues of inequity in the world, as well as in making auto insurance more accessible through writing. When they’re away from the keyboard, they enjoy baking, embroidering, and playing Dungeons and Dragons with friends. They are based in Boston, Massachusetts.

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.

Read advice from car experts at Jerry

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free