Will insurance pay if your car is damaged by floodwater?

Crews with the state Department of Transportation made road repairs to Glatfelter Station Road in southern York County following Hurricane Sandy. YORK DAILY RECORD/SUNDAY NEWS — JASON PLOTKIN

A few drivers drove around “road closed” barricades and got stuck in floodwater during Hurricane Sandy. They could be cited and fined under a new state law for doing so.

The water got pretty deep for some of those vehicles. So will insurance pick up the cost?

That depends, said Dave Phillips, a State Farm spokesman.

First, a driver needs comprehensive coverage on their insurance policy to cover a flood-related loss, he said. It cannot be just collision or just liability.

If the driver does have comprehensive coverage, the insurance company would need to look into the situation further. Was it an accident? Was it intentional?

“It has to be looked at individually,” Phillips said.

 

About Teresa Boeckel

Reach Teresa Boeckel at tboeckel@ydr.com or call 717-771-2031.
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