Yes, but only if you carry Comprehensive coverage. Comprehensive covers flood, falling trees, hail, and wind damage to your vehicle. Liability-only policies, including Florida’s minimum PIP and PDL, don’t cover damage to your own car.
Flood-damaged vehicles are often declared a total loss, and Comprehensive pays the car’s actual cash value minus your deductible. Your homeowners and flood insurance policies don’t cover vehicles. Before a storm hits Orlando or Oviedo, move cars to a garage or higher ground, take photos, and never drive through standing water. Like homeowners insurance, you usually can’t add Comprehensive once a storm is threatening Florida.
Questions about your own policy? Near Me Insurance in Oviedo helps homeowners and drivers across Seminole and Orange County compare options from multiple carriers.
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