Does My Insurance Cover Vehicle Damage from Flooding?

Whether your insurance covers vehicle damage from flooding depends on the type of coverage you have. Here’s a breakdown of the relevant insurance policies:

  • Comprehensive Coverage: This type of coverage typically includes damage caused by natural disasters, such as flooding. If you have comprehensive coverage, your insurance should cover the repair or replacement costs associated with flood damage.
  • Liability Coverage: Standard liability insurance, which is mandatory in most states, does not cover damage to your vehicle from flooding. Liability insurance only covers damage you cause to others and their property.
  • Collision Coverage: Collision insurance covers damage to your vehicle from accidents, such as collisions with other cars or objects. It does not cover flood damage.
  • Uninsured/Underinsured Motorist Coverage: This type of coverage is designed to protect you in case you are involved in an accident with a driver who does not have adequate insurance. It does not cover flood damage.

To ensure your vehicle is protected from flood damage, you need comprehensive coverage. It’s advisable to review your insurance policy or contact your insurance provider to confirm the details of your coverage and understand what is and isn’t included.


The Perazzo Law Firm is a dedicated Miami car accident lawyer serving individuals and families who have suffered injury due to the negligence of others. With a deep understanding of the emotional toll accidents can take, our firm, a reputable Car Accident Lawyer, is committed to helping those in need.

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