If floodwater reached your car during the November 1–2 storm, leave it off and call your insurer before arranging a tow or authorizing repairs. The National Weather Service reported 6.95 inches of storm rainfall at Delray Beach Fire Headquarters. For drivers in Delray Beach, Boynton Beach and Boca Raton dealing with damage, here’s what to ask your insurer and what to check if you need another car. National Weather Service rainfall report
What should you ask your insurer after your car floods?
Ask if your policy covers flood damage, where the insurer wants the car inspected, and which towing or storage costs your policy covers. Comprehensive coverage typically covers flooding, subject to your policy and deductible. Once it’s safe, photograph the visible waterline and keep your towing and storage receipts. Leave the vehicle off. If a hybrid or electric vehicle was submerged, leave it unplugged and tell the tow operator it has a high-voltage battery. Florida’s guide to filing an auto claim · NHTSA flood-damaged vehicle guidance
Can a flooded car be a total loss if the interior looks fine?
Yes. The adjuster considers damage and repair costs in relation to the car’s value. Water can reach wiring and connectors beneath the floor, and corrosion can cause problems after the car dries. If the insurer declares a total loss, ask for the decision and valuation in writing, how the deductible affects the payment, and when any rental coverage ends. If you have a loan or lease, ask the lender for your payoff and check whether you have GAP coverage. Florida’s auto claim guide
What should you check before buying a used replacement?
Run a vehicle history report using the VIN and check the title for flood or salvage history. Look under the cargo floor and around the spare tire for silt, stains or corrosion. A clean history report can miss unreported damage, so consider an independent pre-purchase inspection. NHTSA’s flood-damage buying checklist
Which Subaru models offer more ground clearance?
The 2026 Outback Wilderness has 9.5 inches of ground clearance. The 2026 Forester Wilderness and Crosstrek Wilderness each have 9.3 inches. That extra room under the vehicle can help on dry, rutted roads and uneven trail entrances. The Crosstrek fits a smaller parking space, the Forester has an upright cabin, and the Outback has room for longer gear. Outback Wilderness specs · Forester specs · Crosstrek Wilderness specs
Turn around if floodwater covers the road. Ground clearance and all-wheel drive cannot protect you from moving water or a washed-out road. National Weather Service flood safety guidance
$500 Flood Recovery Discount
Through December 15, 2026, get $500 off select in-stock new Subaru and Subaru Certified Pre-Owned vehicles at Schumacher Subaru in West Palm Beach and Schumacher Subaru of Delray Beach. The offer is available to customers with a documented flood-related total loss. Contact your store to confirm which vehicles qualify and what documentation to bring.
Browse new Subaru inventory in Delray Beach or Subaru Certified Pre-Owned inventory in Delray Beach. For help getting started, open Schumacher Flood Assistance and select Schumacher Subaru of Delray.
Categories:
News
