Hurricane Matthew flood damage
10-09-2016, 04:14 PM
#1
Intermediate
Thread Starter
Hurricane Matthew flood damage
Does anyone have experience with getting flood damage on a lease vehicle? The water comes up to the plastic bottom of my seats( about 4-5 inches in the car) my fear is they don't total it, I don't want to ride around in a post flood car for 2 years. Is there anything I can do to sway insurance to total it, maybe a 3 way call??? (Me, them and acura financial) I know acura does want to deal with a lease turn in with flood damage on the title and acura provides gap with the lease so maybe they can work something out?
10-09-2016, 07:12 PM
#2
Senior Moderator
iTrader: (1)
Sorry to hear. Good luck in getting a suitable resolution.
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msmit180 (10-11-2016)
10-09-2016, 10:11 PM
#3
Moderator
iTrader: (7)
Speaking as an insurance adjuster, it won't help if you wanted to get AFS involved. The DOI requires insurance companies to treat all claims fairly and the same. So they have to go by the guidelines for totaling a flood vehicle, regardless of what AFS says. Being a lease, finance, or owner car doesn't make a difference in how it's determined also.
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10-10-2016, 12:32 AM
#4
Moderator
iTrader: (7)
I don't think you should have to worry. If there's a risk that something won't be right with the car, then it'll be totaled. Also, an insurance company is obligated to pay for any additional damage as a result of the flood even if it happens later on.
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msmit180 (10-11-2016)
10-10-2016, 05:53 PM
#5
Senior Moderator
Does anyone have experience with getting flood damage on a lease vehicle? The water comes up to the plastic bottom of my seats( about 4-5 inches in the car) my fear is they don't total it, I don't want to ride around in a post flood car for 2 years. Is there anything I can do to sway insurance to total it, maybe a 3 way call??? (Me, them and acura financial) I know acura does want to deal with a lease turn in with flood damage on the title and acura provides gap with the lease so maybe they can work something out?
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msmit180 (10-11-2016)
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TacoBello (10-12-2016)
10-12-2016, 01:45 PM
#10
Does not make a difference whether the car is leased or not. If they can get it working again, they will. My TSX was flooded in 2013. Luckily, no water ever entered the passenger area but the engine was completely water logged. They replaced the engine and car was good to go!!!
ETA: Forgot to say, that I think your car should be totaled. That interior is never going to be the same even with new carpet. I imagine it won't smell great either if they don't total you out.
ETA: Forgot to say, that I think your car should be totaled. That interior is never going to be the same even with new carpet. I imagine it won't smell great either if they don't total you out.
Last edited by Civic2TSX; 10-12-2016 at 01:55 PM. Reason: Forgot to add comment about his car.
10-12-2016, 01:49 PM
#11
Team Owner
Um, I wouldn't be showing the insurance company you opened the door when the water level was so high. Insurance fraud, much?
10-12-2016, 02:06 PM
#12
10-12-2016, 03:29 PM
#13
Unless your insurance is crap that should be a total loss. We have had multiple floods here in Houston, and people I know have had there cars totaled with similar water damage.
10-12-2016, 03:50 PM
#14
Team Owner
Don't tell it to me. Tell it to the insurance company that will look for ANY excuse not to pay, especially after a massive storm event where they need to hand out bags of cash. You don't have to believe me. I've heard of enough people getting screwed out of money for the dumbest reasons.
