What to Do If Your Car Gets Submerged in Flood
Flooding has long been an issue in Metro Manila and other parts of the Philippines. For car owners, it can cause severe damage—affecting the engine, electronics, and interior, leading to costly repairs or worse, total loss.
With the ongoing typhoon season, knowing the right steps to immediately take after your car is submerged in flood water can save you from bigger problems and help you maximize your repair options.
Step 1: Do Not Start the Engine 🛑
It might be tempting to test if your car still runs, but do not start the engine. Doing so with water inside could lead to hydrolock (short for hydraulic lock), which causes broken connecting rods, cracked pistons or cylinder walls, and total engine failure.
Step 2: Disconnect the Battery 🔌
For safety, unplug the battery to prevent electrical shorts or fire hazards.
Step 3: Document the Damage 📸
Take clear photos and videos of your car's condition, inside and out. This documentation will be important for insurance claims and repair assessments.
Step 4: Contact Your Insurance Provider 📞
If your insurance includes comprehensive coverage for Acts of Nature, notify your insurer immediately. Submit documentation and follow their claim process—this may cover repairs or even total replacement.
Step 5: Tow Your Car to a Trusted Mechanic 🛠️
Do not drive the car. Instead, have it towed to a trusted auto shop experienced with flood-damaged vehicles. Mechanics will:
- Drain water from the engine and transmission
- Replace contaminated fluids (oil, brake, transmission, differential)
- Check electronics, sensors, and wiring
- Assess interior damage (carpets, seats, insulation)
Step 6: Clean and Dry the Interior 🧽
Standing water can cause mold and foul odors. Remove carpets, upholstery, and insulation for drying or replacement. Consider professional detailing if the interior is severely damaged.
Step 7: Assess If It’s Worth Repairing 📋
Sometimes, fixing a flood-damaged car can cost more than its resale value. Discuss with your insurer and mechanic whether repair or replacement is the smarter financial choice.
Key Takeaway ✅
Flood damage is one of the biggest risks for car owners in flood-prone areas like Metro Manila. If your car gets submerged, remember: don't start it, document the damage, contact your insurer, and have it checked by your trusted mechanic. Acting swiftly and correctly will save you thousands in repair costs and keep you safe on the road.
