Flood damage to your vehicle is not only unsafe but also ‘irreparable’ according to the Ontario Ministry of Transportation and cannot be registered for driving. To help prevent possible flood damage to your vehicle and costly repairs, follow these tips.
Find Higher Ground
If the forecast warns of a torrential rainstorm and you’re worried about auto flood damage, you can park your vehicle in a higher up location like an above-ground parking garage or the top of a hill. Make sure to remember to not leave your vehicle parked in a low-lying area.
Avoid Driving Through a Flood
If possible, try to avoid driving through a flooded area. Standing water can rapidly rise and your vehicle could be in danger of being swept away. Exit the vehicle and get you and any passengers to safety.
Water damage to your vehicle can cause numerous issues such as mechanical troubles with the engine and brakes, electronic systems such as the sound system and power locks, discoloured upholstery, rust, corrosion, mildew, strange noises and more.
Steer Clear of Large Vehicles
If you are in a flooded area, try to steer away from larger vehicles such as vans and trucks. They can create bigger splashes and waves, which can cause water to potentially enter your vehicle if you are following them or within close range.
Seal Doors and Windows Tightly
Ideally, this is a step that should be done whenever you are not present in the vehicle, but with significant rainfall, it’s important to make sure your vehicle doors and windows are tightly sealed. Don’t forget to make sure the trunk and sunroof are closed securely as well.
After a flood, avoid driving through any puddles. Some puddles may appear deeper than they are and the splashing can cause potential damage. If the puddle is unavoidable, drive through it slowly and don’t stop in it.
If your vehicle does suffer from flood damage, contact your insurance provider. If you are in a flooded area it’s better to do it sooner rather than later as your insurance provider may experience a high volume of claims. Flooding to your vehicle can possibly be covered under comprehensive coverage, which can help protect you against damage or loss that’s out of your control. Have your vehicle towed and taken to a professional mechanic’s to inspect the damage. Avoid starting the vehicle on your own as it could cause further damage and distress.
These tips are provided for information and prevention purposes only. They are general in nature, and Desjardins Insurance cannot be held liable for them. We recommend using caution and consulting an expert for comprehensive, tailored advice.
In Quebec, Desjardins Insurance refers to Desjardins General Insurance Inc. In Ontario and Alberta, Desjardins Insurance refers to Certas Direct Insurance Company, underwriter of automobile and property insurance.