Month: November 2024

Our East Coast location makes residents and their belongings vulnerable to storm surges and water damage from tropical storms and hurricanes. Many vehicle owners wonder what will happen if their car is not protected by a garage in Jacksonville, FL, and sustains flooding damage. Skyline Insurance LLC can help you select an auto insurance policy that covers such damage.

You Must Have Comprehensive Insurance

Every insurance company writes policies differently. However, if you want coverage for flooding, you must include a comprehensive option, as basic liability insurance does not. Understanding what your policy covers is essential, especially if you live in a flood-prone area. Comprehensive insurance covers damage to your vehicles outside your control, including floods, tropical storms, other natural disasters, falling objects, theft, and vandalism. Generally, your car must be parked when the damage, including flooding, occurs. Most policies will cover flooding damage minus the stated deductible.

What is Covered?

If your vehicle has been involved in a flood, comprehensive insurance will help pay for repairs or, in some cases, replacement if the insurer deems the car a total loss. You can expect protection against water damage to the engine, the vehicle’s electrical system, transmission, and other vital components, along with rust and mold resulting from water exposure. Electronic devices you may have installed after buying your auto are usually not covered. These include:

• GPS devices
• Audio equipment
• Scanners and CB radios
• Video game and movie systems

Some policies may limit the payout for damage, so read your policy carefully to determine if you can buy additional coverage.

Contact Skyline Insurance LLC, serving Jacksonville, FL, to review your insurance coverage for flooding. Our agents will gladly recommend options to adequately protect your vehicles when a natural disaster occurs.