Keeping Your Vehicle Protected From Heavy Rains

2021-07-23
By: Advocate Brokerage

We have all seen images of vehicles fully submerged, after heavy rains. You may think that instances like this are rare, but the truth is, it is much more common than you think. Extreme weather patterns have caused flash flooding throughout the country. Each year see cars are damaged beyond repair right here in our own community.

If there is any significant rain in the forecast, be sure that you pay attention to where you leave your car! If there is any body of water nearby, you need to be careful about where you park your car during a storm. A babbling stream can easily become a torrential force of nature.

For example, the Scarsdale High School Parking lot is a place that we lose a few cars due to flooding each year. The electric car in the photo below could not be saved. Additionally, because the car was electric, it charged the water.

During a tropical storm or hurricane, it is important that you take extra precautions to protect your vehicle from damage. Below are a few tips for parking your car during a significant weather event:

• Avoid parking under power lines or trees.
• Move your car to higher ground. If your home is in a flood zone, or an area that has the potential to flood, you will want to be sure to park your car on higher ground to prevent damage.
• Park your car in the garage or in a storage facility. Parking in an enclosed space will offer protection from flying objects during high winds.
• If you are parking in a garage or storage unit that has other items stored inside, be sure to protect your vehicle by placing blankets or area rugs over the car.
• To prevent the door from buckling and crushing your car, it is a good idea to park against the door.
• If you do not have a garage or storage facility available, park your car as close to your house as you can to protect at least one side from damage due to downed trees or flying objects.

One final note from your insurance advocate:

Once the storm has subsided if you find your car submerged do not attempt to retrieve it until the water has subsided. There are potential dangers in standing water and as we discussed earlier, if the car (or another car nearby) is an electric car or a hybrid, the water may be electrocuted. Once the water has receded, do not try to start the vehicle as if there is water in the engine, you could do even more damage. Instead, have it towed and file a claim with your insurance company!

Educating each client we serve is an important part of what we do at Advocate Brokerage. We strive to go above and beyond, offering the most comprehensive coverage at the best possible rates while also offering tips and tricks that can help you to mitigate your risks and protect your personal property. If you have any questions about your insurance, don’t hesitate to give us a call. We are here to answer any questions, big or small!