Wisconsin Flooding Raises Auto Insurance Claims, Risks of Hidden Vehicle Damage

Heavy rainfall in southeastern Wisconsin caused significant flooding, affecting vehicles with some submerged partially in water. This kind of water exposure often demands extensive repairs or leads to irreparable damage exceeding the car's value, according to the American Automobile Association (AAA).

Flood exposure compromises various vehicle components including engine, transmission, drivetrain, fuel, brake systems, and power steering, while electrical systems such as sensors and engine control units are particularly vulnerable and may exhibit malfunctions weeks or months later. Vehicle owners should avoid starting flood-damaged cars before a professional inspection to prevent further damage. Insurance-wise, physical damage from flooding is generally covered under the comprehensive portion of auto insurance policies, which is optional. Vehicle owners are advised to document the damage thoroughly and contact their insurer to confirm coverage details. In cases of total loss or unsafe drivability, vehicles should not be operated until fully assessed and repaired. Post-flood markets may see an uptick in flood-damaged cars, often resold across different regions, making buyers wary of scams.

Pre-purchase inspections at auto shops can identify signs of flood damage, such as damp odors, new upholstery, dirt accumulation in hidden areas, and corrosion. Additionally, vehicle history reports like CARFAX can help verify a car's past condition. This situation underscores the importance of comprehensive insurance coverage, thorough vehicle inspections, and consumer caution in flood-prone markets to mitigate financial and safety risks associated with flood-damaged vehicles.