You can start making repairs as soon as they are approved. Your deductible will affect how much your insurance will pay for covered repairs.
However, flooding frequently destroys vehicles. Your insurance company will pay you the fair market value of your vehicle, less your deductible, in the event of a total loss.
If you so choose, you can buy a different vehicle with this money.
Begin by discussing the matter with your agent if you disagree with the decision.
Inquire about the insurer’s appeals procedure (it may not). Check your policy to make sure you are covered.
Make a complaint to your state’s insurance department if you still believe your claim was denied incorrectly. If you want to challenge the decision further, you might need to hire a lawyer.
