This is an unusual disaster because many people did not have flood insurance , or were not in flood zones , so only losses due to wind would be covered .
For cars, flooding is generally covered only if you purchased comprehensive coverage or a "full coverage " policy . Since flooding typically will Total a car out , an insurer is supposed to find you a comparable car that’s listed for sale and pay you enough to buy it . Often the comparables don’t exist or are in worse condition , counter the insurer with three comparables you’ve located . They should be the same model year and model /trim
Package with similar mileage .
There are situations where a car had minor flood damage and the insurer will not total the car . The insurance industry is designed to lowball claims and operates on what I consider to be the scam of the initial incomplete estimate and then followed by several supplements .
If a minor flood car is taken to the shop and an insurer elects to repair rather than total it , often there will be several supplements and additional repairs required once underway. The final bill may even end up more than if they totaled the car ! But the insurer will never hand you a check for that full cost to repair / rather than do that, They will issue a check for the initial incomplete estimate only , based on their knowledge the insured will fix the car themselves or never fix the car , so the insurer gets off cheap and never has to pay those supplemental bills