Robert Ginsberg Agency Blog

After dealing with a crazy flood, it is crucial to speak with your insurer and file a NY flood insurance claim. While a flood insurance policy will cover your home and personal possessions, it may not cover other valuables affected… your car being one of them.

Are you surprised? Many homeowners are when they find this out. One would think that flood insurance would cover all possessions affected by the water. However, your car is one valuable that should be protected under your auto insurance policy. It is important that you speak with your insurer about the proper coverage to put in place, most likely comprehensive coverage.

If your car is affected by flood waters, there are a few things you must do:

•    Dry out your car as soon as possible. This will help prevent mold.

•    Have a professional perform a maintenance check.

•    Cleanse your car thoroughly with a water and bleach mixture.

•    File an auto insurance claim immediately for cars that are greatly affected.

If you are concerned about your damaged car, it is best to have a professional take a look. If you do not act quickly, the damages may be permanent and you may become a victim to corrosion.  The last thing you need is a damaged vehicle!

Now that you know what is and isn’t covered, it is time to check out a free quote! With our reliable flood insurance, NY residents will feel safe knowing that the personal possessions inside their home are covered. Be sure to stay covered with auto insurance and the proper flood insurance to avoid a costly repair. It is much better to be safe than sorry!