Comprehensive car insurance, also known as “full coverage,” protects against more than just collisions and theft.
It covers damage from natural disasters like floods, hailstorms, and wildfires. Flood damage, in particular, is included in comprehensive coverage.
When Does Flood Damage Coverage Apply?
Coverage for flood damage usually applies when your vehicle is in floodwater, either submerged or partially submerged.
This includes situations where your car is parked in a flooded area, driven through floodwater, or damaged by debris from flooding.
But it’s crucial to know that flood damage coverage isn’t always guaranteed. Insurance companies often distinguish between avoidable and unavoidable flood damage.
Damage that could have been avoided, like intentionally driving through floodwater despite warnings, may not be covered.