Flooding in Norfolk: Impact on Vehicles and Insurance Insights

As heavy rainfall descended on Norfolk this past Tuesday, significant flooding rapidly impacted local infrastructure. Jim Sills, the manager of Speedy Auto Service on 21st Street, reported a substantial rise in flood-related vehicle damage. "It's the most we've ever gotten out of a single rain," Sills noted, highlighting the dozen flooded vehicles his team serviced, which doubled their workload overnight.

The intense storm delivered over six inches of rain in Norfolk's Ghent neighborhood, while other parts of Hampton Roads, such as Virginia Beach, recorded much less precipitation. The National Weather Service categorized this event as a "one-in-100-year" storm, indicating a 1% annual probability. This precipitation surge led to a notable 14% spike in emergency service calls across the region, handled by AAA Tidewater, equating to approximately 100 additional vehicles requiring assistance. As a AAA-endorsed repair shop, Speedy Auto Service received a significant portion of these vehicles.

Flooding typically causes extensive vehicle damage, often necessitating engine replacements, which can cost up to $10,000. Sills suggested keeping the gas pedal lightly pressed if driving through floodwaters to prevent engine hydrolock and advised against starting a vehicle until standing water dissipates. Greg Holestin of Holestin Insurance, a GEICO-affiliated agency, explained that flood-related vehicle damage coverage largely depends on the insurance policy type. Liability insurance generally excludes such damage, focusing instead on third-party claims, while comprehensive insurance usually covers flood damage, albeit with a deductible.

Holestin noted an increase in client inquiries post-flood about initiating claims or verifying coverage adequacy. Given the frequency of flooding in Hampton Roads, caution is advised when purchasing used vehicles, including checking for hidden water damage. Holestin also emphasized the importance of flood insurance for homeowners, as standard policies do not cover flood damage. Experts universally warn against driving through floodwaters, as it can result in costly damage.