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As long as you have Comprehensive insurance, flood damage to your vehicle may be covered. Comprehensive insurance is a coverage that can pay for damages resulting from flood, if your vehicle is stolen, or if it is damaged in a collision with an animal.
Comprehensive coverage is most often sold in combination with Collision coverage; these two coverages make up the Physical Damage portion of your Auto policy. These are optional coverages unless your vehicle is financed or leased, in which case they’re mandatory. Check your policy to see if you have these coverages.
Some tips if your car is damaged as a result of a flood:
*Tips courtesy of The Balance