Earth is crying, and we’re feeling the effects: endless downpour in the Western Cape, flash floods in New York and rivers bursting their banks are quickly becoming an all-too-familiar sight.
The climate change catastrophe and surging waters don't just threaten homes and infrastructure but also pose a significant risk to an asset many hold dear: their cars.
One moment, you're parking your car on a seemingly safe street, and the next, you're watching as torrents of water wash it away.
Worse still, once the water settles, you’re met with more bad news: your insurance has rejected your claim, and they won’t repair or replace your vehicle!
Oh no….
Your insurance policy document states you aren’t covered for such events.
This leaves you wondering, “What was I paying for?”, “Have I been scammed?” “How does insurance even work?”
Wonder no more; Pineapple has got the answer.
Understanding Car Insurance Coverage
Comprehensive Car Insurance:
Often referred to as “other than collision” coverage, comprehensive insurance covers damages to your car that aren’t a result of a collision (theft, vandalism, and, yes, natural disasters like floods, hurricanes, and hail).
However, it's essential to understand the nuances of your coverage, as not all comprehensive policies are created equal.
One might offer extensive flood protection, while another might have exceptions or caps on coverage amounts for water damage. In most cases, if your car is damaged due to rising water or direct flood events, comprehensive coverage is what you'll lean on.
"Act of God" or "Natural Disaster": Understanding The Fine Print
“Acts of God” are unforeseeable events not caused by humans that occur through natural causes and cannot be avoided through caution, preventative measures, or foresight.
Many insurance policies use this term to describe incidents they cover, like tornadoes, hurricanes, earthquakes, and floods.
So, if your car is damaged by an "Act of God," your insurance premiums might not rise. The event is outside your control; hence, you're typically not considered a higher risk.
Sadly, other policies may have specific exclusions, even under the “Act of God” clause.
If you live in a historically flood-prone area, the regular comprehensive coverage might exclude flood damage, creating the need for additional flood insurance.
This is why reviewing your policy’s declarations page and the terms and conditions is vital. If "Act of God" or "Natural Disaster" clauses are present, scrutinise them for exclusions or limitations to ensure you aren't caught off-guard when you need coverage.
Floods and Water Damage: Common Car Insurance Misconceptions.
The Mythical All-Encompassing Water Damage Coverage:
From minor leaks to significant flood damage, one widespread misconception is that standard car insurance policies cover all water damage. In reality, comprehensive insurance typically does cover flood damage, but other types of water damage (like those from a leaky sunroof) may not be included.
"I Park Away from the River, So I'm Safe":
A large number of people believe that if they don't park their cars near prominent water bodies, they're safe from flood damage. But floods can also occur in unexpected areas due to blocked storm drainage channels, heavy downpours, or rapid snowmelt.
Additionally, where you drive matters, too. A sudden storm can leave streets flooded, and the risks are just as high if you're caught in it. So, rivers and lakes aren’t the only things to look out for.
Parking in a Flood Zone = Automatic Coverage:
Some believe that if you park in a known flood zone, your insurer will automatically provide flood damage coverage. Unfortunately, this isn't always the case. Some insurance providers might even exclude flood damage from policies for cars regularly parked in flood-prone areas or may charge a higher premium for including such coverage.
"If the City's Drainage System Fails, They'll Cover My Car's Damage":
Some think that if a city's infrastructure, like a poorly maintained drainage system, leads to flooding, the local government will compensate for their car's damage. While legal avenues might exist in some places, relying solely on this can lead to disappointments.
Therefore, relying on your comprehensive car insurance for immediate compensation is always safer and faster.
Pursuing damages from a municipality or city can be long and arduous, with no guaranteed positive outcome.
Steps to Take Immediately After a Flood
Prioritise Safety Above All Else
Avoid Starting the Car:
Modern cars are filled with sensitive electronics; if your vehicle is submerged or even partially underwater, starting it might cause more harm than good. Starting the car can turn a minor issue into a major one by moving the water to other parts of the car. Water in the engine, transmission, or other critical areas can lead to significant mechanical issues, short the car’s systems, leading to long-term damage or even risks of electrical fires.
Steer Clear of the Waterlogged Zone:
Only attempt to retrieve your vehicle from a flooded area once it's safe. Flash floods can occur, and the water may rise again unexpectedly. Additionally, floodwaters can hide dangers like sharp objects, holes, harmful contaminants, and electrical risks or be deeper than they appear.
If Your Car Stops in the Middle of the Water:
If your car stalls or stops in the middle of the water, do not attempt to restart it immediately. Trying to start a flooded engine can cause severe damage.
Instead, follow these steps:
- Stay Calm: Keep your composure and ensure your seatbelt is fastened.
- Turn Off the Engine: If it's still running, turn it off immediately.
- Exit Safely: If the water level rises or you feel unsafe, exit the vehicle through the windows if possible. Do not attempt to open the doors if the water is high, as this can let in more water and make the car unstable.
Starting Your Car Back:
Once your car is safely out of the water and you're sure there's no water in the engine or exhaust system, you can attempt to restart it.
Follow these steps:
- Check for Water: Inspect the engine and exhaust for signs of water entry. If you find any, it's best to have the vehicle towed to a mechanic for a thorough inspection.
- Remove Spark Plugs: If you're experienced and comfortable working with engines, you can remove the spark plugs and turn the engine over to expel any remaining water.
- Consult a Mechanic: Even if your car starts, it's a good idea to have it inspected by a mechanic to ensure there's no hidden water damage.
Document the Aftermath Thoroughly
If possible, and when it’s safe, take pictures from multiple angles, capturing the water levels, visible damage, and the surroundings. This provides a more precise context for the extent of the damage. Close-ups of particularly damaged areas and wider shots can give a comprehensive view of the impact.
Next, jot down the incident's date, time, and specific conditions while the memories are fresh. Mention the water's highest point on the vehicle (e.g., ankle-deep, up to the door handle). This information might prove crucial when making your insurance claim.
If there were any bystanders or other affected individuals, take down their contact details. They might be able to provide additional testimony or accounts of the incident if necessary.
Inform Your Insurance:
Inform your insurer and do it fast. Most insurance providers stipulate how soon you must report an incident. Delaying can affect the validity of your claim.
Next, provide them with all documented information, photos, notes, and witness details. This will expedite the claim process. It's also a good idea to keep copies for your records.
And while they sort through the details; in the meantime, familiarise yourself with the terms of your insurance policy regarding flood damage. Your insurance provider probably has a specific process for assessing flood damage, including preferred mechanics or garages specialising in post-flood evaluations and repairs.
Knowing what's covered and what isn’t can help you prepare for potential costs and negotiations.
Water Damage: Beyond Nature's Floods
Unpredictable Puddles:
Areas that are geographically lower than their surroundings tend to collect water, turning them into puddle-prone zones. Even a minor rain shower can lead to water accumulation, and driving through these seemingly innocent puddles can be deceiving. Deep pools might allow water to seep into parts of the engine or be sucked into the exhaust, potentially causing damage.
Flash Flood Hotspots:
The low-lying areas are particularly vulnerable during heavy rainfall or sudden downpours. The rate of water collection can be rapid, making them flash flood zones. Cars parked in or near such areas can quickly be submerged, causing extensive water damage.
Overflowing Drainage Systems:
Maintaining ever-expanding urban areas often gets overlooked, leaving drainage systems with debris, leaves, or trash—overflow due to clogs results in unexpected street flooding. Vehicles parked near these systems risk water seeping into interiors, especially if parked for extended periods during heavy rains.
Busted Water Mains:
As infrastructure ages, water mains can sometimes burst. These incidents can rapidly release vast amounts of water onto streets, unexpectedly inundating parked cars. The pressure from such bursts can also propel debris, further risking vehicle damage.
Overzealous Car Washes:
Automated or manual car washes that use high-pressure hoses can sometimes force water into areas of your car that are not designed to handle moisture, like under the hood, within door frames, or through compromised seals. Over time, repeated exposure can lead to rusting, electrical issues, or other damages that might not be immediately evident.
Accidental Sprinkler Sprays:
Misaligned sprinklers, or high-pressure ones, can accidentally target vehicles. The water, if it contains any chemicals or is hard (high mineral content), can also affect the paint or car finish over time.
DIY Maintenance Mishaps:
Car enthusiasts sometimes undertake DIY maintenance or cleaning without considering potential water risks. For example, cleaning engine bays might introduce water to sensitive areas. Removing or adjusting any components during DIY maintenance might create gaps or incorrect seals that allow water ingress during rains or washes.
Preventative Measures: Avoiding the Depths
Strategic Parking During Storm Warnings
- Always look for parking spots that are on higher ground. These areas are less likely to be affected by flooding compared to low-lying regions.
- Avoid parking near rivers, lakes, or the sea, especially during storm warnings. Water levels in these bodies can rise rapidly during heavy rainfall.
- If available, consider parking in multi-level garages during storms. The upper levels can offer protection against rising floodwaters.
- If you must drive through shallow water, keep your car in first gear and maintain a consistent but moderate speed. This helps to prevent water from being sucked into the engine's air intake. Keeping the revs high by gently pressing the accelerator can prevent water from entering the exhaust system.
Leverage Early Warning Apps or Systems
- Use reliable weather forecasting apps with real-time updates and alerts on severe weather conditions, including heavy rainfalls and potential flooding. For example, AccuWeather’s app is famed for providing accurate and detailed hourly weather forecasts.
- Many local municipalities have SMS-based or app-based alert systems for residents, especially in flood-prone areas. Enroll in these for timely warnings.
- Tune in to local news channels or radio stations during stormy seasons. They often provide periodic updates on areas affected by flooding.
Protective Coverings and Barriers for Cars
- Waterproof car covers can protect against light floods and prevent water from seeping into your vehicle, especially during short-duration heavy rains.
- If you reside in a flood-prone area, consider keeping sandbags or portable flood barriers on hand. Strategically placing these around your car can divert shallow floodwaters away.
- Using sealant strips on door edges and other vulnerable entry points can be a worthwhile investment for cars that are frequently exposed to potential flooding. These strips can prevent water ingress to some extent.
Optimising Your Car Insurance for Flood Protection
All this information is good and well, but what does it mean for you and your insurance journey?
Here’s how to ensure you have the most comprehensive cover for your vehicle:
- Understand your policy by thoroughly reading your policy documents to understand the extent of your coverage. Check for any exclusions or limitations that might affect your claim during a flood or water damage.
- Ask your insurance provider for clarification for any terms or conditions you don't understand. Also, inquire about any additional coverage options that might be available to you.
- If you live in a flood-prone area, consider buying additional flood insurance to supplement your comprehensive car insurance. Check for "Act of God" or "Natural Disaster" coverage options that might be available.
- Regularly maintaining your vehicle ensures it remains in good working condition, helping mitigate the impact of flood damage on your car. Look for potential issues that might make your vehicle more susceptible to water damage, such as leaks or faulty seals.
- In the event of a flood, document everything, including the damage to your vehicle, with photos and notes if possible. Keeping records of any repairs or maintenance work done on your vehicle can be useful when filing a claim.
Conclusion
Being a car owner comes with numerous responsibilities, like protecting your vehicle from unforeseen events like floods. As weather patterns become more unpredictable, what was once considered 'adequate coverage' might expose you to considerable financial risks.
And while we can't control the weather, we can control how we prepare for it. Now, more than ever, reviewing and updating your insurance policy where necessary is crucial.
Understanding the nuances of your policy, especially concerning flood and water damage, can be the difference between swift recovery and prolonged distress.
Knowing what you're covered, even when the worst happens, offers peace of mind.
And no other insurance provider will tell you more than Pineapple.
With us, nature's surprises will never catch you off-guard.
Drive with peace of mind, knowing you're protected against life's unexpected turns. With Pineapple's comprehensive car insurance, not even floods or the fiercest hailstorms can dampen your journey.
Ensure your vehicle's safety and invest in unmatched protection.
Choose Pineapple and hit the road confidently; get a quote in under 90 seconds and see the difference for yourself.
Until next time, drive safe and stay covered!
Pineapple (FSP 48650) is underwritten by Old Mutual Alternative Risk Transfer Insure Limited, a licensed Non-Life Insurer and authorised FSP. T&Cs apply. Premium is risk profile dependent.
Please Note: The information provided above is for informational purposes only; you should not construe any such information as legal or financial advice.
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