Coverage & Claims

Is accidental flooding covered under comprehensive coverage?

Sorry to hear about the loss. Yes, comprehensive coverage should cover any kind of flooding that occurs to the vehicle.

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Coverage & Claims
Motorcycle Insurance

My motorcycle was in the back of my friend’s truck, which flooded and went downstream. Would his insurance cover the motorcycle?

I'm sorry but your friend's insurance company would not be responsible for your motorcycle since car insurance does not cover the contents of the vehicle, which is what the motorcycle would be considered. If you have comprehensive coverage on the motorcycle, your insurance company will likely cover the claim.

Homeowners Insurance

Will I be covered if I build my house in a flood plain?

There's a couple of things to think about. Flood insurance is provided by the federal government through FEMA and the NFIP.

Eligibility

How soon after Florence will I be able to add my car to my insurance

There is no exact answer. Once the insurance companies no longer see an imminent threat, they will lift the binding restrictions and you will be able to get insurance.

Homeowners Insurance

Will my homeowners insurance cover damage caused by a hurricane?

The majority of homeowners insurance policies do not provide coverage for flood damage. Unless your insurance policy provides coverage specifically against floods, you would have to have flood insurance through FEMA or the NFIP.

Coverage & Claims

If my car is totaled in a flood, how much will my insurance company pay me for it?

Most insurance companies use NADA Guide to determine the market value of your vehicle at the time of a claim. In the case of a totaled vehicle, your payout is generally based on fair market value.

Coverage & Claims

Can my insurance company deny a claim if I didn't move my vehicle knowing that a storm was approaching?

No. If your policy includes comprehensive coverage on your vehicle then a claim shouldn't be denied for flood damage.

Coverage & Claims

Am I covered under comprehensive if I tried to move my vehicle away from flood waters and it still sustained water damage?

It's very likely that the water damage to your car would be covered. Generally speaking, flood damage is usually considered a covered loss under comprehensive coverage. Your insurance company will make the final decision about covering your vehicle, though, so you would need to contact them to start the claims process.

Homeowners Insurance

In a state of emergency, does my insurance company have to help me if I have flood damage but no flood insurance?

If your home and basement were damaged by water that wasn't attributed to an actual flood then you will likely be covered by your company. Unfortunately the declaration of a State of Emergency doesn't mean that your policy applies any differently; especially since flood insurance is provided by FEMA and not a part of your actual homeowners insurance policy.

General Insurance
Homeowners Insurance

Do I need to buy a flood insurance policy for my car?

While it is correct that your home will need a separate policy for flood coverage, you do not need it for your auto insurance as long as you have comprehensive coverage. Comprehensive covers things like fire, theft, vandalism, and flooding.
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