Does Auto Insurance Cover Storm and Flood Damage?

Storm and flood damage to a vehicle is generally associated with comprehensive auto coverage, not liability-only coverage. Comprehensive may address flooding, wind, hail, falling objects, or debris, subject to the policy, deductible, exclusions, and the coverage being active before the loss.

Match the Event to the Coverage

Comprehensive coverage protects against non-collision perils including rising floodwater, falling trees or palm fronds, wind damage, and hurricane storm surge. Collision coverage only applies if the car strikes an object while in motion.

Act Before Storm Moratoriums Take Effect

Insurance carriers place binding restrictions on adding or increasing comprehensive auto coverage once a tropical storm or hurricane enters the tracking cone. Maintain coverage continuously throughout hurricane season.