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Beware Of Flood-Damaged Cars | InsureZero

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Latest floods in Oregon, Washington State, Texas, South Carolina, California and different states drowned 1000’s of vehicles beneath muddy, polluted water. As soon as these automobiles are dried-out and cleaned-up, they might present up on the market, and you possibly can be the one who finally ends up taking a shower.

A flood-damaged engine is troublesome or near unattainable to restore. Whereas water is a good factor to have within the cooling system, it may do severe harm when sucked into valves and engine cylinders. After that occurs, the one selection could also be to exchange the engine fully. Whereas the beauty features of a waterlogged automotive will be prettied up with a radical cleansing, new carpet and fabric, the physique, wiring and electrical parts stay susceptible to rust from trapped water.

After Hurricane Sandy hit the Northeast, 1000’s of vehicles have been ruined within the floods that adopted. Many have been scrapped or bought for components, however at the very least one New Jersey seller ran a rip-off the place he obtained phony titles and bought the soggy vehicles to unwitting consumers. The seller and others have been charged by the state legal professional normal and pleaded responsible final yr. The fraud was found when two of the flooded automobiles broke down on their new homeowners, shortly after leaving the seller’s lot.

How widespread is the issue? After Hurricane Sandy, Kars4Kids, the nation’s largest car-donation charity, estimated that greater than 250,000 vehicles have been broken by the storm and that half of them can be resold. One insurance dealer discovered greater than 700,000 water-damaged vehicles after main storms between 2001 and 2008. When you think about that the common lifetime of a U.S. car is twelve years on the highway, you possibly can simply find yourself with a flood-damaged automotive should you’re not cautious.

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Sometimes, a flood-damaged automotive is reported to the insurance firm and bought both for components or as a salvaged car. Automobiles which have suffered some main harm will be refurbished and bought with salvage titles, which might function a warning. Some salvaged automobiles could be a good purchase, if the harm was professionally repaired after a serious collision, however flood-damaged vehicles is probably not definitely worth the threat. If a automotive you’re contemplating comes with a salvage title, that’s an indication that it’s essential to ask extra questions concerning the nature of the harm and the quantity of repairs that have been made.



In some states, the title may very well point out that the automotive was flood-damaged. A “flood title” means the automotive ended up in water deep sufficient to fill the engine compartment.

Then again, personal homeowners and unscrupulous third events could attempt to cover water harm. One widespread tactic is known as “title washing,” the place the car paperwork are solid, recreated on clean varieties or re-titled in states which have completely different requirements.

Guidelines for Flood-Broken Automobiles

Right here’s inform should you’re being provided a car that’s been in for a swim:

  • First, have a look at the title. Past the standing, examine to see if the vendor’s identify matches that of the individual promoting it. If not, the vendor isn’t the registered proprietor, and it’s essential to ask extra questions.
  • Search for rust and metallic flaking within the engine compartment, beneath the dashboard, within the trunk and beneath the seats.
  • Verify for discolored carpeting and fabric, or upholstery and carpeting that don’t match or is totally new, and will have been changed to cover harm.
  • Search for moisture or fogging inside headlamps, taillight assemblies, overhangs of the wheel wells and different enclosed areas.
  • Be careful for dust or mud in uncommon locations. Verify alongside seat rails, within the glove compartment, trunk and different storage areas.
  • Verify for brittle, broken wires, rusty connectors and unhealthy ABS or airbag warning lights on the dashboard.
  • Lastly, use your nostril. Mildewed supplies give off a particular, musty odor, even when an unscrupulous vendor tries to cover it up. If it stinks, then the automotive is a nasty purchase.

Flood-damaged vehicles will be troublesome to identify, however figuring out the indicators can assist you establish whether or not the used automotive you’ve your eye on is a clear journey or a soaked mess.

Photograph ©iStock.com/shaunl

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1 Comments

  1. Thanks for the heads up. I’m due for a new car. Of course by “new”, I mean used, but new to me.

    My house floods, although that is unrelated to why I’m seeking a new car. The issue with my current car is the battery dying inexplicably, and continuing to do so after alternator and battery were replaced.

    I’ll definitely keep this in mind what I make the purchase of the new vehicle. Chances are I’ll get it from New Orleans, which is below sea level and certain areas do flood. I’ll put into the sale agreement that if the car has ever been damaged by flooding prior to being sold to me, the sale is void, I’ll return the vehicle and the seller has to pay me back for the car.

    That should deter anyone trying to sell me a car that’s been flooded. The last thing I need is another car with problems.
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