Expert Advice for Flood Damage

All Questions on Flood Damage

How do I check for flood damage to my car?
What are the signs of flood damage to a car? I live near a flood site and I’m worried my car might be damaged. I want to know if it’s still safe to drive or if I should have a professional take a look at it.
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Hana Sabah
Does home insurance cover basement waterproofing?
Argh! My basement has flooded yet again after a heavy rainstorm. I’d like to prevent this from happening again—will my homeowner’s insurance cover waterproofing the basement?
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Rachel Rigolino
Is there a waiting period for flood insurance to be in effect in Louisiana? If so, why?
Why would there be a waiting period on a flood policy in Louisiana? I told my cousin last week that she better hurry up and get a flood policy for her home, but she said it was too late. The hurricane hadn't hit yet; why couldn't she buy one?
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Shannon Martin
Does renters insurance cover flood damage to personal property?
We had some flooding in my city and it reached my apartment building. A bunch of my books and electronics got damaged. Does renters insurance cover flood damage to personal property?
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Bonnie Stinson
Does renters insurance cover hurricane damage?
My family and I are moving to a different state next month, and our new city has a high risk of hurricanes. We’re just renting a place, so we’ll only be able to buy renters insurance. Does renters insurance cover hurricane damage?
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Claire Beaney
What’s the average cost of flood insurance?
What should I expect to pay for flood insurance? I own a home in Texas and want to add flood coverage since we get a lot of storms.
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Matthew Macgugan
Will flood insurance help me replace my home in San Antonio?
I live in San Antonio, Texas, and we were recently hit with some really severe flash flooding. My home and many of my belongings have been badly damaged by water—will flood insurance help me replace my home?
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Chloe Jenkins
What is the best way to document flood damage for insurance purposes?
How do flood insurance claims work? My property has experienced some flood damage, and I want to know how to document everything for my insurance claim.
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Hana Sabah
Does USAA renters insurance cover flood damage?
I am a veteran who rents a condo in Florida. I just got USAA renters insurance. I’m curious—am I covered for flood damage?
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Nick Kunze
How much does home insurance cost in a flood zone?
I live in Mississippi and the house I just moved into is in an area that experiences flooding. I’m trying to figure out my homeowners insurance. How much will home insurance cost in a flood zone?
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Andrew (Andy) Biro
How do you clean a flooded car carpet?
I live in New York, and some water got in my vehicle during the hurricanes a few weeks ago. What’s the best way to clean a flooded car’s floor?
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Matthew Macgugan
Will flood insurance help replace my car?
Living in Louisiana, we get hit with a lot of floods. This past weekend we had some minor hurricane activity and the house was fine, but my garage is completely flooded and my car was underwater. I know my garage is covered, but will my flood insurance help replace my car?
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Chloe Jenkins
Will home insurance cover a leaking basement?
Our basement family room gets water seepage through the foundation. We got an estimate from a contractor to put in some drainage so it doesn’t keep happening. Will our home insurance policy cover the cost?
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Rachel Rigolino
How wise is it to buy a flood damaged car?
I'm looking at a used car that was flood damaged. It seems to be in good repair. Is it unwise to purchase it?
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Emily Maracle
How do you handle flood damage with your car insurance?
My Mercedes was damaged after a flood. How do I submit a claim?
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Emily Maracle
Does Progressive renters insurance cover flood damage?
This weekend, the stream running next to the house we rent rose above its banks and wound up flooding our first floor. Does Progressive renters insurance cover flood damage to our personal possessions?
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Rachel Rigolino
How do you prepare your car for a hurricane?
I live in Oklahoma and there have been a lot of hurricanes around the South lately. How do I prepare my car for a hurricane?
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Matthew Macgugan
Does flood insurance cover damage caused by hurricanes?
If a hurricane causes damage to my home in Louisiana, will I be covered by my flood insurance? I moved here recently, so I haven't had to deal with this type of event yet.
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Matthew Macgugan
How do I remove water stains from car seats?
There was flooding in my area and while my car is okay, I have water stains on my car seats. I'd like to remove them, but I'm not sure how. What can I do to remove the water stains?
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Emily Maracle
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.
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Ben Guess
Why did my car insurance rate change after I submitted a claim for flood damage?
Why did my car insurance suddenly go up? My car was deemed a total loss after a flood in my area. I've decided to get a new vehicle and I'm looking to get coverage again. When I called my insurance company, they quoted me $400 a month when I was previously paying $200. Other carriers are quoting me around the same price. Why did the rate increase?
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Emily Maracle
How do I check my fuel system after a flood?
How do I know if there's water in my gas tank or fuel system? My neighborhood got hit pretty hard by a recent hurricane. Luckily, our building is okay and we didn't have any issues with our home. Our car, though, is a different story—the garage where we park was completely flooded. I know I need to check my fuel system for water to get a sense of how bad the damage is, but I've never had to do this before and I'm not sure where to start.
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Ben Guess
Can you damage your car by driving through water?
The shortcut that I like to take on my way to work tends to get flooded when it rains, and I’m worried that driving through the water will damage my car. Is this possible? Will I damage my car just by driving through water?
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Jason Tushinski
How can I prevent my car from flooding?
How can I prevent car flooding? The weather report is calling for flash floods and really bad rain. I don't want my car to get damaged, but I need it to go to work. What can I do?
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Ben Guess
Does my renters insurance cover flooding?
I’m moving states next year and the area I’ll be living in has a pretty bad flood season. The place I’m looking at is a ground-floor apartment, so I’m kinda worried about any flooding—will my renters insurance cover flood damage?
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Claire Beaney
Will Louisiana car insurance cover flood damages to my vehicle?
Does my car insurance cover flood damage? I live in Louisiana in a flood zone. I have the basic requirements for car insurance in my state but want to be prepared in the event disaster strikes.
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Phoebe Mah
Do car insurance companies consider flooded vehicles a total loss?
My Nissan was flooded after torrential rain in my area. I called Allstate to submit a claim. I have gap insurance, but can I expect my vehicle to be a total loss?
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Emily Maracle
Can I get flood insurance if I’m renting a property in Florida?
Are home renters able to purchase flood insurance? I've been renting my home in South Florida for over a year now.
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Matthew Macgugan
Will submitting a flood damage claim increase my insurance premium?
In the event that my home is damaged by water from a flood, will making a claim on my policy increase my insurance rate?
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Matthew Macgugan
How do I add flood insurance to my insurance policy?
How do I get flood insurance? I live in an area that's seen flooding more and more frequently in the last few years, and it's making me nervous about my home. I want to go ahead and add flood insurance to my insurance policy, but I've never had to do this before and I'm not sure where to start.
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Ben Guess

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