1. Will my insurance cover it?

If you have comprehensive auto coverage, you’re covered for flood damage to your car. You can find coverage information on your policy’s declaration page. If you don’t have your policy, contact your agent or insurer. You can also call the Texas Department of Insurance’s Consumer Help Line at 1-800-252-3439 or call Payne Insurance Group at 956-832-5600.

2. How do I file a claim?

Call your insurance agent or company as soon as possible. Your policy should have a number to call to report a claim. Take photos of the damage and, if possible, of your car submerged. It might take time for your company to send an adjuster out to look at the damages. Texas law requires companies to pay claims timely, but those deadlines can be extended for disasters.

3. Can I dry it out?

This task is best left to a professional if water got in your car. If it’s not dried out correctly, your car will be at risk of mold, electrical issues, and other problems. Experts recommend that you have a mechanic look at a flooded car before trying to start it to avoid more damage. Your insurance company will ask you to arrange a dealership inspection, and this is when you should contact us.

4. Will my car be totaled?

The insurance company will look at your car’s actual cash value vs. the cost of repairs. If fixing your car will cost more than what it’s worth, your insurance company will consider it totaled. There was an old rule of thumb that once water reached the dashboard, the car was likely to be a total loss. But today’s cars have more electronics and can cost more to repair so a car may be totaled even if water didn’t get into the engine. Either way at this point you can look at the options of keeping your car or replacing it a one of our dealerships,

5. What if I owe more than the settlement?

If you have a gap policy, it will pay the difference between what you owe and the settlement amount. If you don’t have a gap policy, you’ll be responsible for paying off the remainder of the loan. If you purchased the vehicle from an Payne Dealership we can assist you with providing contact info to process GAP claims (most GAP companies will cover an additional 50% of a cars valuation).


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