Quick Facts About Flood-Damaged Cars
- A flood-damaged car will likely be a total loss if fully submerged in water.
- Beware of title washing. Vehicles that carry flood-damaged titles in one state may receive a clean title in another.
- Take steps to protect yourself from fraud, including getting a vehicle history report, a thorough inspection by a mechanic, and more.
Extreme weather, such as hurricanes and tropical storms in coastal areas or torrential rain with flash flooding inland, can cause destruction that often includes vehicles damaged by floodwaters.
For car owners, this can spell the end of the line for their damaged vehicle. However, this could start a secondhand raw deal for used car buyers. We’ll tell you what to know about title washing, how to protect yourself from fraud, and the telltale signs of a car damaged by a flood.
What Does Flood Damage Do to a Car?
A flood-damaged car will likely be a total loss if fully submerged in water, especially if it’s saltwater from a hurricane’s storm surge. But not all flood damage totals cars. Either way, water can destroy electrical and mechanical systems and lubricants and cause mold, rust, and corrosion over time.
RELATED: What to Do if Your Car Is Flooded: 8 Steps You Must Take
Title Washing: What You Need to Know After the Flood
When buying a car, a major issue to be on the lookout for is title washing.
Title washing occurs when a vehicle’s title is branded in one state as flood-damaged or even totaled, but then gets transported to another state. The move among jurisdictions plays off different criteria for title branding. Due to these slight differences, vehicles that carry flood-damaged titles in one state may receive a clean title in another.
In the wake of a flood, less-than-reputable sellers use this underhanded method to pass off their cars to unsuspecting buyers. Often, these new owners won’t notice a problem until it’s too late. Potential buyers in regions without hurricane damage or significant flooding disasters are more likely to be victims of title-washing scams.
RELATED: Car Title Guide: Everything You Need to Know
How to Protect Yourself from Fraud
The best defense is a good offense. The first step is to check the car’s vehicle history report. Sites like Experian’s AutoCheck and Carfax provide comprehensive overviews and offer free checks for flood risk. These reports track important information, including title branding and registration, over the vehicle’s life, regardless of where the vehicle gets registered.
Other helpful tools include the United States Department of Justice’s National Motor Vehicle Title Information System and the National Insurance Crime Bureau’s VINCheck service, which is free to use.
VINCheck compiles data from insurers and allows consumers to see whether a vehicle has ever been declared a total loss or salvaged.
It also pays to complement a vehicle history check with a thorough inspection by a trusted and certified mechanic. When cars get submerged during a flood, water and debris work into areas they normally wouldn’t reach, including residue inside the headlights and taillights. Pull seatbelts all the way out and look for any water line marks.
Even if a flood-damaged vehicle has been refurbished and cleaned up, a mechanic should be able to spot telltale signs of water damage.
MORE: Is It Safe To Drive a Car Damaged in a Flood?
Clues to Spotting a Flood-Damaged Vehicle
The National Automobile Dealers Association highlights several vehicle areas to check on your own, which include the following:
- Check the trunk. Check the vehicle’s interior and trunk for signs of water and debris. Feel the carpet for moisture and look under it for fading, stains, and rust. New or freshly shampooed carpet isn’t usually a good sign. Neither is rust on metal components in the center console or under the dashboard. Make sure to test any electrical components, such as the windshield wipers and air conditioning. Also, be aware of any odd odors, as these could be signs of mold and mildew.
- Inspect the car’s exterior and engine bay. Waterlogged headlights or a visible waterline should set off an immediate red flag. While underneath the hood, check for dirt and debris in alternator crevices. Also, inspect the small recesses near the starter motor, power steering pump, and behind wiring harnesses. Further, check for visible corrosion and wear to the car’s electrical components.
- Look beneath the car. Make sure to look for caked-on debris, premature rusting, and metal flaking, especially on newer vehicles. Brake discs tend to show rust very quickly.
“I would advise anyone looking to buy a used car, period, to look into that vehicle’s history,” notes Roger Morris, National Insurance Crime Bureau communications officer. “Consumers should be very cautious of any used vehicle they buy in the aftermath of a flood. You can clean up a car pretty well, but it’s the two to three months afterward when problems really start to show up.”
How to Check a Car for Flood Damage
Refer to this list when shopping for a used car in areas affected by floods or in any region during the months following a flooding disaster. A checklist is a useful tool that can help you prevent overlooking clues.
- Inspect carpeting in the cabin and trunk for water damage.
- Check seat belts and upholstery for water stains.
- Look underneath the spare tire in the trunk for a water line.
- Sniff for musty or foul odors.
- Inspect tight crevices around components in the engine bay for dried mud or debris.
- Check inside headlights and taillights for water or condensation.
- Look under the seats and dashboard for signs of previous moisture.
- Test the operation of electrical components.
- Look for rusting or corrosion on bolts, screws, and other metallic parts, including brake discs.
MORE: Flooded Car? FAQs for Affected Owners and Shoppers
How Hard Is It to Repair a Flood-Damaged Car?
If you do find yourself in the position of owning a flood-damaged car, many wonder if the flood damage is repairable. The answer is yes and no. Insurance companies decide the fate of affected vehicles.
They will write off and brand them as flood-damaged cars. They’ll sell them for salvage. But some will hit the roadways once again.
These vehicles slowly deteriorate from the inside out. So the question is, is it worth repairing a flood-damaged car? An experienced mechanic can determine the damage and tell you whether or not fixing the vehicle would be worth it.
Check out Kelley Blue Book’s Fair Repair Range, which allows you to check repair prices and provides a cost range for some common vehicle repairs.
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Editor’s Note: This article has been updated since its initial publication.
