Flood Risks in Port Arthur: Does Your Car Insurance Cover Water Damage?

Port Arthur, Texas, is no stranger to flooding. Nestled along the Gulf Coast, the city is highly vulnerable to hurricanes, tropical storms and heavy rainfall. For residents, this means safeguarding homes and financially protecting vehicles against water damage.

Does Auto Insurance Cover Flood Damage?

The answer depends on the type of coverage you carry. Standard liability insurance, which is required by Texas law, does typically not cover flood or water damage to your vehicle. However, comprehensive coverage might. This optional policy typically helps protect against noncollision-related incidents, including flooding, hail and storm damage.

If your car is submerged in floodwaters or damaged by driving through flooded streets, comprehensive insurance may help pay for repairs or a complete replacement, minus your deductible. This can include damage to the engine, electrical systems and interior components. However, it’s important to note that once a major storm is forecasted, insurers may place “binding restrictions,” preventing you from adding or modifying coverage until the storm passes.

In flood-prone areas like Port Arthur, comprehensive coverage is not just a wise choice—it’s essential. Without it, vehicle owners could face thousands of dollars in out-of-pocket repairs or total loss.

Learn More

If you’re unsure about your current policy, contact Better Way Insurance Agency. Being proactive before the next storm hits can save you from financial hardship.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.