Will my car insurance cover flood damage?

Your car insurance policy normally covers your vehicle from flood damage under your comprehensive coverage. The deductible normally ranges from $200 to $1,000.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 20, 2021

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Here's what you need to know...

  • Your car insurance policy normally covers your vehicle from flood damage under your comprehensive coverage
  • To get your policy to cover your car for flood damages, you normally need to have comprehensive coverage in place before the flood damage occurs
  • On your insurance policy, comprehensive coverage protects your car in the event damages happen that are not related to a collision
  • This coverage choice normally carries a deductible, an amount that you are responsible for before your policy limits apply

Flood damage is one of the many damages that nature can unleash on your vehicle; many times without enough time to plan ahead. Flooding not only causes dangerous driving conditions, but it can be damaging to your vehicle when it’s parked at your home.

It’s important that you understand the ways your car insurance policy can help protect your car when flooding occurs.

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Do you carry policy coverage for flood damages?


Damage caused to your vehicle by flooding is usually covered under the comprehensive coverage option, which you may have selected when you purchased your policy.

Comprehensive coverage is sometimes known as “other-than-collision” coverage, or coverage that applies to incidents that are not caused by a collision.

Under the coverage that your comprehensive policy option offers, damages caused by natural events are often covered. This means that your comprehensive coverage option will normally provide coverage for hail damages, fire, tornados, and even flooding.

This may mean your policy provides coverage if your car is damaged by flooding.

When you’re looking for insurance coverage, or even if you have coverage already, it’s vital that you determine what your policy covers.

Different providers may have different conditions on what is covered under your comprehensive coverage option, and there may even be time limitations on when you have to have the coverage in place before your policy terms apply.


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Do you meet the conditions for coverage listed in your policy?

Flood damages, just like any damage covered under your comprehensive policy, normally come with a deductible. The deductible is the amount that you will normally be responsible for before your insurance policy limits will take effect.

This is normally one of the primary conditions that your insurance provider may require for your coverage to apply.

In addition to your deductible, your insurance provider may have special coverage conditions due to flood damages; these types of events tend to impact many different vehicles all at once.

For instance, your provider may have special time limits on when to file the claim or how you have to proceed with the claim settlement process.

It’s important to remember that what your state requires for insurance coverage may not be adequate to cover damages from hail. When you are shopping around for insurance policies, it’s important to discuss your concerns and any possible coverage situations with your provider.

Should you file a claim for flood damages?

Your car insurance coverage may cover flood damages, but that does not always mean you should file a claim.

While flood damages may be an unexpected loss, filing a claim may not be your best option. It’s important to take your policy limits and your insurance deductible into account before you file a claim since you will normally be required to pay the deductible before your policy limits apply.

Before filing the claim, you should first document any damages to your car as long as it is safe to do so. Your insurance provider may have requests on what you should do to document the damages, such as taking photographs of your car.

This may help you figure out if filing a claim for the flood damages is the best option for you, or if it would make more sense for you to cover the damages yourself.

As mentioned before, it’s always important to mitigate any additional damages if possible. In the case of flood damages, it may be difficult to mitigate damage once the flooding has started. Your insurance provider will appreciate anything you can do to reduce further damages.

Finally, you should speak to your insurance provider about the claim process when possible.

In the event of flooding damages, you may need to follow unique conditions to qualify for coverage. This normally occurs when many people are affected by the flooding, but your provider can explain any coverage conditions you should be aware of.

Are you covered?

Flood damages are not always predictable, but you can prepare for the unexpected as best as possible. The first thing you should do is go over your car insurance coverage to determine what your policy covers.

If you do not find comprehensive coverage listed on your policy, or you are not sure what your policy contains, make sure to speak to your insurance provider.

If possible, move your vehicle to a safer location. If your car is already damaged by the flooding, then contact your insurance provider for further guidance on what you can do to limit your damages.

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