June 25, 2024

Houston, Texas Auto Insurance Coverage for Flood Damage

Houston is a lively city with a bustling population. However, it is also notorious for its frequent and destructive floods. These floods can result in significant damage to vehicles, leading to costly repairs or even total loss. At Amco Auto Insurance, our team is dedicated to ensuring that you have the necessary coverage to protect your vehicle from flood-related damages.

Full Coverage traffic light sign underwater

One of the best defenses against flood damage is full coverage. Many auto insurance policies include comprehensive coverage, which protects against damage from non-collision events like floods, fires, or theft. In flood-prone areas like Houston, having comprehensive coverage is essential.

When a flood occurs, it can wreak havoc on your vehicle’s engine, electrical system, and interior. Comprehensive coverage can help offset the costs of repairs. Keep in mind that comprehensive coverage typically involves a deductible that you must pay before your insurance kicks in.

Gap Protection

While comprehensive coverage can cover repair costs or the current market value of your vehicle, it may not cover the total amount you owe on your car loan or lease. This is where gap coverage comes in handy.

Gap coverage, also known as loan/lease payoff coverage, bridges the gap between your vehicle’s current value and the amount you still owe. This can be particularly beneficial in cases of total loss due to flood damage, where the payout from comprehensive coverage may fall short of covering your remaining loan or lease balance.

How to File a Claim for Flood Damage

If your insured vehicle sustains flood damage, contact your insurance company immediately. During the claims process, document the damage with photos or videos and keep a record of all communication with your insurer. An assigned claims adjuster may inspect your vehicle. When obtaining repair estimates, ensure you work with establishments approved by your insurance company.


What should I do if my car is flooded?
If your car is flooded, contact your insurance company right away to file a claim. Document the damage and work with approved repair shops.

Does comprehensive coverage include flood damage?
Yes, comprehensive coverage typically includes protection against flood damage.


While Houston’s frequent flooding poses risks to vehicle owners, having the right auto insurance coverage can provide essential protection and peace of mind. Understanding and utilizing comprehensive and gap coverage can safeguard your vehicle from flood-related damage.

Contact Amco Auto Insurance today to explore coverage options that can safeguard you and your vehicle from floods.


This blog is for informational purposes only and should not be considered legal advice. Consult your insurance professional for further information.

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