OT: Vehicle Flooded

[BlueRidgeMtns]

Not sure if anyone caught all of the flooding in Roanoke, VA, but my wife's brand new 4runner was flooded up to the floorboards while she was working at the hospital. The state farm guy is coming out today to take a look at the damage.

Anybody ever been through this? Honestly, I'm worried it won't be totaled but we will have problems for years to come.


We do have gap insurance and comprehensive coverage, so there will be a $500 deductible regardless.

 

[RocketDawg]

Do you know where the main computer is located? I know in some cases it's in the passenger side floorboard area. If that got wet, it might be a total. But yes, you have a legitimate worry I think.

 

[aTotal360]

Translation: take a water hose to the computer. **

 

[Crazy Cotton]

.... so they "fix" it, and 3 years from now when you want to sell it, you have a title and a carfax that says "flood damage." You gonna take a bath on that thing.

 

[BlueRidgeMtns]

Pretty sure it's in the passenger side floorboard. Fingers crossed it's 17ed.

 

[biguglyjoe]

.... so they "fix" it, and 3 years from now when you want to sell it, you have a title and a carfax that says "flood damage." You gonna take a bath on that thing.

This is correct. They will try to get away with doing as little as possible on your claim. Don’t let them screw you.

 

[MarkDallas]

Look into a diminished value claim.

 

[bsquared24]

I had mine take flooding 2 years ago. Carpet replaced. The engine and computer were abive the water but the radio amp took water so they replaced that. 2 years later I have some rust growing in the tail pipe. I worry about the undercarriage, shocks, etc but I went to the shop and had everything freshly greased on my dime

My advice is fix it and flip into something new if you can.

 

[RocketDawg]

I had mine take flooding 2 years ago. Carpet replaced. The engine and computer were abive the water but the radio amp took water so they replaced that. 2 years later I have some rust growing in the tail pipe. I worry about the undercarriage, shocks, etc but I went to the shop and had everything freshly greased on my dime

My advice is fix it and flip into something new if you can.

Agree. But hopefully it'll be totaled so he won't have to worry about that. Just be sure to get full retail, not wholesale value from the insurance company. My son got hit by a USAA-covered car one time, his car was totaled, but USAA tried to only pay wholesale. My company, State Farm, took care of that in a hurry.

 

[BlueRidgeMtns]

I do have State Farm and they've been good to me over the years. Hopefully that continues.

 

[RocketDawg]

I do have State Farm and they've been good to me over the years. Hopefully that continues.

They have been good to me too with very few claims. I've had them forever though.

 

[WrapItDog]

my wife's brand new 4runner was flooded up to the floorboards

What does up to the floorboards mean? Carpet wet? To total the car the cost of the repair would need to exceed 75% of the value of the car.

 

[MaxwellSmart]

What does up to the floorboards mean? Carpet wet? To total the car the cost of the repair would need to exceed 75% of the value of the car.

Things have sure changed. I've had water up to the seats in more than one Toyota just out playing in the mud. Never had to do anything but leave the windows open until it dried out. Looks like it's a good thing I haven't done it in my wife's 4runner.

 

[Lawdawg.sixpack]

^^^ diminished value claim

 

[the dog is on the loose]

Most chassis parts and chassis are powder coated now so rust isn’t much of an issue same as with body panels since the bodies are e coated. Some vehicles have several computers on board and some are located under the car. Problem is that salt water is way worse on undercarriage than fresh water.