It starts with a downpour. But before you know it, the streets of Silang or Manila turn into a watery labyrinth, and your prized four-wheeler finds itself wading deeper than it ever should.
Whether you’re in a low-slung sedan or a high-riding SUV, flood damage is an equal-opportunity offender. So, what do you do when the water swallows your ride and pride?
Don’t start the engine
If your car has been submerged—even partially—resist the instinct to crank it up and “see if it’s okay.” Starting the engine can cause catastrophic damage if water has entered the air intake or electrical systems.
Disconnect the battery to prevent any electrical shorts.
Assess the water level. If it reached above the door sills or got into the cabin, internal components are likely compromised.
Before touching anything, take photos or video clips of the area. Your insurer will need evidence of the damage.
Note waterline marks on upholstery or dashboard.
Capture mud, debris, and discoloration around key components, such as the air intake and fuse boxes.
Dry it out
Getting the vehicle dry is the first step in recovery—but it’s more involved than airing out your laundry.
Open all doors, windows, and the trunk to encourage airflow.
Remove carpets and insulation; these materials trap moisture and foster mold growth.
You can use fans and dehumidifiers if available. Sunlight helps, but it’s not a cure-all.
Call in the experts
Once the vehicle is dry, please have a qualified mechanic look over the damage. Flood impact isn’t always visible.
Check fluids: If the oil, transmission fluid, or brake fluid appears milky, water has breached the system.
Scan electronics: Modern vehicles are equipped with numerous sensors and modules, which are sensitive to water.
Inspect brakes and wheel bearings: These need thorough cleaning to prevent rust and failure.
Insurance and repair
Some policies exclude flood damage unless you’ve got comprehensive coverage. File your claim quickly and honestly.
Keep receipts for towing, cleaning, and inspections to document expenses.
Ask about “constructive loss”—if repairs cost more than market value, insurers may declare the car a total loss.
The road back from flood damage may be muddy, but it’s navigable with swift action and a clear head. In a country where weather takes no prisoners, preparedness might be the most underrated vehicle feature of all.
