Hurricane season in Florida can be tough for people who own cars, trucks, or motorcycles. Big storms like Hurricane Debby can cause a lot of damage to vehicles. Here’s a simple guide on what to do if floodwaters damage your vehicle in Florida.
1. Safety First
- Don’t Start the Engine: If your vehicle was underwater, don’t try to start it. This can damage the engine badly.
- Disconnect the Battery: If it’s safe, disconnect the battery to avoid electrical problems.
- Check for Hazards: Make sure there are no downed power lines or other dangers near your vehicle before you go near it.
2. Assess the Damage
- Water Level Check: See how high the water got around your vehicle. If the water went above the door sills, there might be more damage.
- Inspect the Interior: Look for water inside the vehicle, especially on the seats, carpets, and electrical parts.
- Check Fluid Levels: Check for signs of water in the oil, transmission fluid, and other areas.
3. Document the Damage
- Take Photos and Videos: Record the condition of your vehicle for insurance purposes.
- Keep Records: Write down the date, time, and place of the flooding, and any repairs or towing services needed.
4. Contact Your Insurance Company
- Report the Damage: Tell your insurance company as soon as you can to start the claims process.
- Review Your Policy: Understand your coverage, especially if you have comprehensive insurance that covers flood damage.
5. Get a Professional Inspection
- Towing Service: Have your vehicle towed to a mechanic or dealership for a full inspection.
- Electrical and Mechanical Check: Make sure both electrical and mechanical systems are checked for water damage.
6. Repair and Recovery
- Dry the Interior: Remove wet carpets and seats, and use fans or dehumidifiers to dry the inside.
- Clean and Disinfect: Clean surfaces and use disinfectant to stop mold and mildew from growing.
- Professional Repairs: Get professional mechanics to do any necessary repairs, especially for important systems like brakes and transmission.
7. Consider Long-Term Effects
- Resale Value: Remember that flood damage can affect how much your vehicle is worth if you sell it.
- Future Maintenance: Vehicles damaged by floods might need extra care in the future. Watch for problems and fix them quickly.
What Type of Insurance Will Protect Your Vehicle from Floodwaters?
To protect your vehicle from floods in Florida, consider these types of insurance:
- Comprehensive Coverage: Covers damage from natural disasters like floods and hurricanes.
- Collision Coverage: Mainly for accidents but can help if your vehicle is damaged during a flood.
- Gap Insurance: Covers the difference between your vehicle’s value and the balance on your loan if your vehicle is totaled.
Make sure to review your insurance policy and talk to your insurer to ensure you have the right coverage. Contact The Fran Haasch Law Group for more information about getting the best coverage for your vehicle during a big storm in Florida.
By following these tips and understanding your insurance policy, you can better protect your vehicle from damage during a natural disaster. For more information on preparing for a hurricane, contact The Fran Haasch Law Group today!
Call The Fran Haasch Law Group Today
Our experienced lawyers at The Fran Haasch Law Group can answer all your questions about preparing for a big storm and what type of insurance will protect your vehicle if a disaster happens in Florida. Contact us today to learn more about how we can help.
