Car Flooding 101: What to do and when insurance will cover the damage

For Filipino car owners, car flooding is a common headache. It is a known fact that the country experiences heavy rains, strong typhoons, and sudden flash floods, which can damage even the most well-maintained and safe cars by submerging them fully or partially. Such a situation demands clarity of thought and fast action - all to avoid significant expenses.

Why is flooding a common risk? In the Philippines, flooding is common, and roads are not built to withstand such high volumes of water. Most cities like Manila, Cebu, and Davao often start flooding just after a few hours of rainfall. The risk increases even more due to sudden downpours, poor drainage, and clogged waterways.

How does flood damage a car & its components?

Floodwater can be dangerous; it can harm you and your car. Here are a few standard car components that get damaged during floods -

Electric system: If floodwater enters the car and its inner chambers, it can short out wires, sensors, and onboard computers. Cars these days rely heavily on technology, making them highly sensitive to flood water and causing severe damage to all electrical components.

Interior & upholstery: From your car’s seats to carpets, everything absorbs the dirty floodwater. This leads to a foul smell and mould within a few days if not cleaned properly.

Engine & transmission: Floodwater mixed with mud and sewage can easily enter your car's engine, transmission, and other components under the bonnet. This will severely damage the vehicle, leading to costly repairs.

Corrosion & rust: Metal parts in your car will rust more quickly after flooding, which is a significant issue.

Also Read: Essential facts about total loss in car insurance: A simple guide for Filipino drivers

The vehicle got flooded? Here’s the immediate action plan

Time to discuss the first set of steps a car owner should take if their car gets flooded in the Philippines -

Step 1: Ensure personal safety
Before inspecting your car for damage, ensure flooding has stopped and the area is safe to get down. Avoid getting into deep or moving water.

Step 2: Don’t start the car
Starting a flooded car can be dangerous and cause severe engine damage. Water could enter the engine components, leading to irreversible hydrostatic lock.

Step 3: Disconnect the battery
If you can reach your flooded car safely, try to disconnect the battery to prevent an electrical short circuit.

Step 4: Document the damage (for insurance purposes)
When possible and safe, take clear photos and videos of the car’s exterior and interior. This will help strengthen your claim later.

Step 5: Tow the vehicle to a trusted repair shop
It is not recommended to drive the car; instead, call for roadside assistance or towing service.

Car insurance and flood damage coverage

Let us now discuss when car insurance covers flood damage in the Philippines and when it’s denied. We’ll start with learning a little about the comprehensive and Acts of God coverage -

What is Acts of God/Act of Nature coverage? Basic car insurance does not automatically cover flood damage. Acts of God is a crucial add-on that fills this gap. It covers you against flooding, typhoons, earthquakes, and other types of damage.

What does comprehensive insurance typically cover? With Acts of God coverage included, your insurance plan usually covers the following: flood engine repair, towing service, upholstery cleaning, repair/replacement of parts, and damage to electronics from water.

When can the insurer decline your claim? Even with proper coverage, the insurer may decline the claim. This happens in the following situations -

• You intentionally drove the car through a flooded area/location
• Your policy has expired
• Your policy is cancelled due to reasons such as non-payment of premiums
• Unreported car modification is causing additional damage

How to file a claim after flood damage? Here is a step-by-step guide to file a claim -

Step 1: After checking everyone’s safety, contact your insurer immediately
Step 2: Contact local authorities
Step 3: Gather essential documents, photos of the damage and surroundings
Step 4: Duly complete the insurance claim form
Step 5: Co-operate with the adjuster, be truthful
Step 6: Patiently wait for approval

Also Read: Difference between basic car insurance and add-ons: Insights for Filipino drivers

The right car insurance policy for flood protection

It is essential to choose an optimal car insurance policy that covers flooding. Here’s a small guide:

Features to look for

While selecting an insurance provider, look for some specific features, including -

• Inclusion of Acts of God coverage
• 24/7 emergency assistance
• Fast claim processing
• Free towing (especially during floods)

Compare providers

Make sure to compare at least two to three providers based on -

• Premium cost
• Response time
• Coverage
• Customer review

Common myths about car insurance & flooding

Myth 1: All comprehensive insurance policies include Acts of God coverage
Reality: Not necessary; you must confirm the inclusion of Acts of God coverage. Some providers offer it as an add-on.

Myth 2: Flooding only damages the car’s engine
Reality: Completely untrue; flooding damages the vehicle inside and out.

Myth 3: A car owner can clean a flooded car by themselves
Reality: Not recommended, as it is too risky and can even lead the provider to deny the claim.

Practical tips to avoid flood damage

Let us now check out some tips that can help you avoid flood damage -

Keep emergency tools handy: If you live or drive in a flood-prone area, it is advisable to keep tools like a tow rope, emergency triangles, portable jump starters, and a waterproof flashlight within reach.

Proper parking & route planning: It is advisable to use flood-tracking apps and avoid driving through flood-prone areas during the rainy season.

Follow maintenance habits: It is highly recommended to follow the mentioned essential habits to reduce the flood damage - clean undercarriage regularly, seal doors & windows, and check drainage around parking spots.

Also Read: Essential facts about total loss in car insurance: A simple guide for Filipino drivers

Bottom line

Heavy rains and unexpected floods are part of our everyday life; therefore, it is only right to prepare ourselves and our cars in advance for nature’s fury. We expect you to know how to protect yourself and your loved ones. We are here to discuss car insurance and how it safeguards against flooding. Above, we have discussed what a car owner should do, how to protect their car, and situations in which an insurance provider will cover flood damage and help you save thousands of pesos.

Remember, with the proper awareness and insurance coverage, you can drive in peace, stay safe, avoid significant repair costs, and protect your vehicle year-round.

Also Read: 4 Smart reasons you should avoid making small car insurance claims