Flooding is challenging enough on its own, but dealing with car flood damage can leave you feeling at your wit’s end.

Unfortunately, heavy rains and floods are becoming more common in the UK, where we already have a wetter weather pattern. So, knowing how to navigate water damage is critical for your car’s health and your own stress levels. 

This blog will discuss whether water damage is repairable, how to assess your car flood damage, and whether insurance will cover the costs. Scroll down to find the answers now!

Common types of flood damage

Flooding can affect different parts of your car, depending on where the water sits and how long it’s been there. 

Here are some common types of flood damage:

• Electrical systems: Floodwater can short-circuit a car's electrical components, including wiring, computers, and sensors. Water exposure to these systems may result in malfunctioning headlights, dashboard lights, or even the car’s ignition.
• Transmission and drivetrain: Water that enters the transmission or drivetrain components can cause corrosion or contamination, leading to costly repairs.
• Brakes and suspension: Floods can rust and damage the braking system and suspension parts, making your car unsafe to drive.
• Interior damage: If water enters the cabin, it can ruin upholstery, carpets, and electronics, like power windows or infotainment systems.

If your car engine is flooded with water

The engine is often the most vulnerable and costly car part affected by flood damage.

If water has got into your engine through the air intake, it can mix with the oil, leading to significant internal damage. In severe cases, the engine can seize, requiring an entire engine rebuild or replacement. 

If you suspect water has entered your car's engine, it’s crucial to seek professional advice from a reputable garage as soon as possible.

Assessing the car flood damage

Don’t rush into car repairs!

Before taking any action, it's crucial to assess the extent of the damage. Attempting to start the car before a thorough assessment could cause further harm, leading to expensive repairs and future problems.

Follow these steps to properly assess car flood damage:

1. Check the water level — Look for a waterline on the car’s exterior, engine, or tyres. You might face significant damage if the water is above the bottom of the doors. 
2. Inspect inside — Next, inspect the interior. If possible, open the bonnet, doors, and boot to let the car dry out. You should also remove the carpets to avoid mould and dampness.
3. Examine under the bonnet — Check the oil for signs of water contamination, and make sure the fuse box and electrical wiring are dry. If dry, you can check the electrical system by turning the ignition switch on and checking the indicators, headlights, radio, and wipers. 
4. Only start the car if you’re certain it’s dry — If you have any doubts, get it towed to avoid further damage.
5. Consult a garage and file an insurance claim — Once you've completed the above steps, it’s time to work with the professionals. Book an assessment with local mechanics and contact your insurance company.

Does flood damage cause a write-off?

A water-damaged car write-off is the last thing you probably want to deal with. 

And luckily, a flooded car isn't automatically a write-off. It depends on the extent of damage, which will be officially assessed by your car insurance company.

Cars in Categories A and B must be scrapped, but repairable cars fall into Categories C, D, N, or S and can be used again. Repairing depends on costs versus value, though the car will have a lower resale value than an undamaged one.

Will flood damage be covered by my car insurance?

Flood damage to your car is often covered if you have comprehensive insurance, which protects against floods, fires, theft, and other non-crash events. 

However, third-party or basic liability insurance won’t cover flood damage. Comprehensive coverage gives you peace of mind with broader protection for your vehicle.

How to claim insurance for a flood-damaged car

There are four key steps you need to remember when claiming car insurance. Note these down to ensure you get the best care:

1. Document the damage: Take clear photos of your vehicle’s interior and exterior to support your insurance claim.
2. Contact your insurer: Report the damage promptly and provide the necessary photos and details.
3. Wait for an adjuster: An adjuster will assess the damage to determine your payout.
4. File your claim: After the inspection, follow the steps to file your claim, ensuring you understand the deductible and coverage before settling.

Limitations for insurance and flood damage

Comprehensive insurance covers flood damage. However, there are some limitations and exclusions to be aware of.

If the cost of repairs exceeds your car’s value, your insurer may declare it a total loss and compensate you with the vehicle’s market value, helping you move forward. 

After paying your policy’s deductible, your insurance will cover the remaining costs, offering valuable support. 

While comprehensive coverage often includes flood damage, it’s wise to review your policy and confirm the details with your provider for peace of mind.

Can you repair car flood damage?

Your first thought after a flood is likely "Is water damage car repairable". But before deciding whether to repair your flood-damaged car, you need to consider a few things.

If the engine, transmission, or electrical system is damaged, repairs can be very expensive, so it’s essential to weigh the cost of repairs against the car’s value. 

Also, if your insurance company declares the car a total loss, the settlement offered may make repairing it less financially worthwhile. 

Even if the car is repaired, flood damage typically lowers its resale value, which could influence your future car plans.

Take these critical points into account before taking any action! 

How to repair a flood-damaged car

Want to repair your car flood damage? Here are the main steps.

1. Drain and replace fluids: If the engine wasn’t running during submersion, draining and replacing the oil, transmission fluid, and coolant may save it. Don’t turn it on if you’re unsure. 
2. Dry the car: Remove carpets and seats to dry the interior. You can even use a dehumidifier to speed up the process!
3. Inspect the electrical system: Have a professional check for any damaged wiring or electronic components.
4. Replace damaged parts: Repair or replace any damaged engine, transmission, or electrical components.

Repair costs can vary dramatically, so it’s hard to give a one-fits-all answer.

A flooded engine can cost upwards of £3,000 to replace, while fixing electrical issues can range from £1,000 to £5,000. Interior repairs like replacing seats or carpeting can cost an additional £1,000 or more.

With Bumper, you can split the cost of repairs with no extra charges.

Selling your flood-damaged car 

If the cost of repairs is too high, you may decide to sell your flood-damaged car.

Selling your car helps you avoid costly repairs and means you won’t have to deal with future issues caused by flood damage. A sale also gives you immediate cash, which is always a pleasant benefit.

However, flood-damaged cars have a lower resale value, and you’ll have to disclose the damage to potential buyers, which might make it harder to sell. 

How to sell a flood-damaged car

If you do want to sell your flood-damaged car, you should first get a professional assessment. This helps you get a fair asking price. 

It’s also vital to disclose the damage to potential buyers to avoid legal issues. Being honest builds trust and protects you from future claims. 

If the damage is extensive, consider selling to a salvage yard or a buyer specialising in flood-damaged vehicles, as they can better handle repairs or salvage parts.

Water and flood damage - The bottom line

Flood damage can have a devastating impact on your vehicle. Whether you decide to repair the damage, claim insurance, or sell your car, the key is to assess the situation carefully. 

Always weigh the costs and benefits before making a decision, and, of course, when in doubt work with a professional!

How Bumper can help

Bumper offers zero-interest financing on car repairs, helping you cover unexpected car flood damage. We work with many partners nationwide who can assess and repair your car without added stress.

Or keep reading. Visit the Bumper blog now.