Who will pay for my flooded car, the city or insurance company?
This past weekend I get a knock at the door from some neighbors during a storm telling me that I should move my truck out of the street. I walk outside and see that my truck is sitting in nearly four feet of water. The water level rose up to cover the seats and nearly reached the dashboard. We put it in neutral and pushed it down the street so most of the water ran out. We used towels to get out what we could that night. I didn’t try to crank it, and I unhooked the battery cables. When I tried to crank it about 18 hours later it would not start.
My question is, can I sue the city for the flood damage to my truck since their sewer drainage system was responsible for the localized flooding on my street? Can they be held responsible for this? Or will I just have to settle with what the insurance company will give me for the truck since it is undoubtedly totaled? I have already paid about 500 on the truck, but I still owe about 00. How much can I actually expect to get?
Only around 200 feet of the street was flooded. The rest of the street had no flooding. It was pretty localized to my house and a few neighbors’ houses.
2 Responses
hayesatlbch
10 Feb 2010
cody t
10 Feb 2010
your insurence should cover it if not try the city but here in iowa the insurence cover water damage if you did not do it your self but the way your saying it was the weather so call your insurence provider and ask



It is not a given that anyone will pay. The city probably won’t and it all depends on what your insurance policy says exactly.
The damage could be viewed as an act of God that isn’t covered.
You might check your home owners or flood insurance if you have it but the deductibles might be high