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Message
Flood damaged cars
Posted on 8/30/17 at 4:41 pm
Posted on 8/30/17 at 4:41 pm
Car is likely flooded from Harvey at the airport. I've read that if the enterior is wet it's probably best to total it.
My question is will the insurance company do this or push for repairs? It's a 2014 Honda. To me the car now immediately is worth less so there should be done sort on compensation.
Any adjusters that can explain how this works?
My question is will the insurance company do this or push for repairs? It's a 2014 Honda. To me the car now immediately is worth less so there should be done sort on compensation.
Any adjusters that can explain how this works?
8
Posted on 8/30/17 at 4:42 pm to ghost2most
quote:
car now immediately is worth less
Wait, walk me through this. So in your opinion, if your car is submerged in flood water for a couple days, it's worth less?
Posted on 8/30/17 at 4:43 pm to ghost2most
Usually they will total out the vehicle. If your interior got wet and they won't total it, bitch to the insurance company until they total it.
Posted on 8/30/17 at 4:44 pm to ghost2most
It's pretty impossible and expensive to repair a flooded car and even then they never seem to run correctly. Plus it will have a flooded/salvage title so they lose value. They will be totaled out.
With that being said, the used car market, which has been in a balloon since Bathhouse Barry introduced cash for clunkers, is going to suck in the South for a while once people start buying them up as replacements.
With that being said, the used car market, which has been in a balloon since Bathhouse Barry introduced cash for clunkers, is going to suck in the South for a while once people start buying them up as replacements.
This post was edited on 8/30/17 at 4:46 pm
Posted on 8/30/17 at 4:45 pm to Chucktown_Badger
quote:
if your car is submerged in flood water for a couple days, it's worth less?
Yes they are worthless.
Posted on 8/30/17 at 4:47 pm to ghost2most
If your car was flooded, please see below-
Three Step Program
(IMPORTANT: Do NOT Skip A Step)
1. Push as hard as you can for it to be totalled.
2. Make sure they total your car.
3. Your car is totalled. Do not take another answer from your insurance company.
Three Step Program
(IMPORTANT: Do NOT Skip A Step)
1. Push as hard as you can for it to be totalled.
2. Make sure they total your car.
3. Your car is totalled. Do not take another answer from your insurance company.
This post was edited on 8/30/17 at 4:49 pm
Posted on 8/30/17 at 4:48 pm to bubbz
quote:that is meaningless. The claims adjuster will determine if repairing the vehicle will rise to the threshold that would require totaling the vehicle. The more valuable the vehicle, though, the less likely the claim will rise that high.
bitch to the insurance company until they total it.
Posted on 8/30/17 at 4:51 pm to Chucktown_Badger
quote:
it's worth less
Only if the enterior is wet.
Posted on 8/30/17 at 4:51 pm to ghost2most
I'm not an adjuster but both of my vehicles flooded in the BR flood last year and I ended up getting more than I paid for my truck when I bought it new in 2015. Both were totaled with water getting to the top of the seats. The car that flooded was a 2011 Accord and we got more than expected. It might depend on the insurance company and/or adjuster but I was very pleased with the process and results with Geico. Only downfall was Geico's rates jumped up over this summer so I switched. Probably due to all the flood claims.
This post was edited on 8/30/17 at 4:53 pm
Posted on 8/30/17 at 4:53 pm to jbro12
When FEMA is in town they get generous. 
This post was edited on 8/30/17 at 4:54 pm
Posted on 8/30/17 at 4:53 pm to Chucktown_Badger
quote:
You are replying to the following post:
Message
Flood damaged cars by Chitown_Badger
quote:
car now immediately is worth less
Wait, walk me through this. So in your opinion, if your car is submerged in flood water for a couple days, it's worth less?
Yeah
Posted on 8/30/17 at 4:55 pm to ghost2most
If your insurance won't total any vehicle that was in water high enough to wet the interior then you have terrible insurance and should get better insurance ASAP.
Posted on 8/30/17 at 4:55 pm to ghost2most
They are being totaled by the insurance company and not allowing you to rebuy them with a salvage title. A lot of waste but too much liability at risk.
Posted on 8/30/17 at 4:55 pm to ghost2most
I have Geico. Doubt water got to the seats. If floor is wet still push for total?
Posted on 8/30/17 at 4:57 pm to ghost2most
They'll total it.
They don't want to deal with electronic or mold issues later or liability issues later of some electronic sensor fails and an airbag doesn't deploy or deploys while driving down the road.
They don't want to deal with electronic or mold issues later or liability issues later of some electronic sensor fails and an airbag doesn't deploy or deploys while driving down the road.
Posted on 8/30/17 at 5:02 pm to stout
quote:
Bathhouse Barry
Posted on 8/30/17 at 5:05 pm to ghost2most
See my above post.
Failure to total is NOT an option.
They got eleventy million cars to process, even if your car were a 1973 Mustang, what shop are you going to use?
How long will it take and you'll be in a rental all that time.
Does your carrier want legacy issues with the repairs from flood to a complicated machine?
I doubt it.
The major insurance companies have reinsurance amongst themselves and with foreign firms for these catastrophic events.
Scream long and loud enough and they'll total your vehicle.
Failure to total is NOT an option.
They got eleventy million cars to process, even if your car were a 1973 Mustang, what shop are you going to use?
How long will it take and you'll be in a rental all that time.
Does your carrier want legacy issues with the repairs from flood to a complicated machine?
I doubt it.
The major insurance companies have reinsurance amongst themselves and with foreign firms for these catastrophic events.
Scream long and loud enough and they'll total your vehicle.
Posted on 8/30/17 at 5:05 pm to soccerfüt
I may go park my truck by the Sabine
Posted on 8/30/17 at 5:10 pm to stout
quote:I locked up buying a used car yesterday for this exact reason. I was looking for one last year when the flood hit. Local market was just now getting back to some degree of normalcy, and those frickers from Houston will be on their way over here before long. I mean, I sympathize with their plight and all, but just not enough to put off buying a car for another year.
With that being said, the used car market, which has been in a balloon since Bathhouse Barry introduced cash for clunkers, is going to suck in the South for a while once people start buying them up as replacements.
Posted on 8/30/17 at 5:12 pm to ghost2most
Pour flood water into the console and glove compartment and leave the windows up.
If they see water in either it is an automatic total. Plus the mold from being closed up.
I lost two fleet trucks last year and had no questions asked. Everyone I know that lost vehicles-which was a bunch-had zero problems with car insurance and a lot, including me, got more than expected as the poster above. Both of mine went to the roof but both adjusters told me water in console confirms depth and they look no further.
Now flood insurance will be another story. Those people are in for the fight of their lives.
If they see water in either it is an automatic total. Plus the mold from being closed up.
I lost two fleet trucks last year and had no questions asked. Everyone I know that lost vehicles-which was a bunch-had zero problems with car insurance and a lot, including me, got more than expected as the poster above. Both of mine went to the roof but both adjusters told me water in console confirms depth and they look no further.
Now flood insurance will be another story. Those people are in for the fight of their lives.
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