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How to avoid buying a water-damaged car Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial decisions by providing you with interactive financial calculators and tools as well as publishing unique and impartial content. We also allow you to conduct your own research and compare data for free to help you make sound financial decisions. Bankrate has partnerships with issuers such as, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The offers that appear on this site come from companies who pay us. This compensation could affect how and where products are displayed on this website, for example for instance, the order in which they appear within the listing categories in the event that they are not permitted by law. This applies to our mortgage, home equity, and other home loan products. But this compensation does not influence the content we publish or the reviews you see on this site. We do not include the entire universe of businesses or financial offerings that could be available to you. Luis Diaz Devesa/Getty images

5 min read Published June 22, 2022

Written by Mia Taylor Written by Contributing Writer Mia Taylor is a contributor to Bankrate and an award-winning journalist who has two decades of experience and worked as a staff reporter or contributor for some of the nation’s leading newspapers and websites including The Atlanta Journal-Constitution, the San Diego Union-Tribune, TheStreet, MSN and Credit.com. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since late 2021. They are dedicated to helping readers gain confidence to control their finances through providing concise, well-researched and researched information that breaks down otherwise complex subjects into bite-sized pieces. The Bankrate promises

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So, this compensation can influence the manner, place and in what order the products are listed within categories, except where the law prohibits it for our mortgage, home equity and other home lending products. Other factors, like our own website rules and whether a product is offered in the area you reside in or is within your own personal credit score can also impact how and where products appear on this website. Although we try to offer a wide range offers, Bankrate does not include details about every credit or financial product or service. Auto buyers across the country can experience the aftereffects of catastrophic floods, if they do not know to purchase water-damaged cars. Used and new vehicles that have been damaged by significant flood events, like the Hurricane Ida which hit 2021 in the year 2021 could get their way onto the market following a storm. Carfax data shows that as high as 212,000 vehicles could be damaged due to the hurricane Ida. When flood-impacted cars are resold to buyers who are not aware of the damage, they often have costly electrical and mechanical issues that are discovered months later. Even if you’re not in a place that is prone to flooding, you can still inadvertently buy a vehicle that has water damage. Carfax research also shows that water-damaged vehicles appear in every state, meaning buyers from coast to coast are in danger of buying damaged by flooding. How do you tell if the car is damaged by water? Water-damaged cars can be hard to identify. They often look fine and could even run for a short time. But eventually, you are likely to encounter issues as cars that have been flooded begin to decay from the inside. Here are some signs that a car may be damaged by water smell musty the interior of water damaged vehicles will usually smell musty. Some sellers will try to hide the scent with powerful air fresheners, but it isn’t easy to completely remove a car from a moldy aroma. One method to determine how a car smells is to be inside and close the windows. Moist or damp carpeting water damage may accumulate in areas you cannot immediately be able to see, like under carpeting. Check the carpets all over the car and pat them to try and locate any moisture that could be accumulating. Check the trunk as well and remove the spare tire to look for any water underneath it. Upholstery that is stained or not matching and carpeting: Another indication of water damage is a car with stained or loose carpeting and upholstery. Be on the lookout for blotchy brown staining, which is a sign for water-related damage. In the course of inspections, compare carpeting on the floor with upholstery on the doors and the roof. The carpets should all appear like they’re of the same in age and color. Rust: A car with water damage may be rusty around the doors, in the hood, and even under the dashboard. Door hinges, screws, trunk latches and even door handles could be showing signs of rust. Brittle wires: Look under the dashboard if you believe that your vehicle may be suffering from water damage. Brittle wires can suggest that the car has been impacted by an event that caused water of some type. Fog or moisture beads: If a vehicle’s interior lights, instrument panel or exterior lights look foggy or have water beads in them, think of it as an indication that the vehicle may have water damage. Mud or silt buildup: During flood events specifically, water may carry mud and dirt into a vehicle. After the flood has gone but the dirt remains. Some areas to look for mud and silt include the trunk, glove compartment and under the dashboard and beneath the seats. Four tips to avoid purchasing a flooded car If you are concerned that your car may be flooded or have flood or water damage it is important to do research and determine whether your suspicions are right. There are numerous tools available to aid you in getting to the root of this vital question, as well as signs to be alert for. 1. Conduct a car history check A vehicle history report can uncover issues with your car prior to you make a purchase. A sure sign of a water-damaged car will be one branded as an example. Departments of motor vehicles need permanent title marks for vehicles that have been badly affected by flooding. If the vehicle was declared to be totally damaged, it is supposed to be given a new title entirely that’s branded «salvage» as well as «flood.» Based on the stateof the vehicle the fact that this happened could be indicated by a numeric code. Carfax and Experian offer flood check tools which allow users to run an independent check on the background of a vehicle. They require your VIN of the car in question. When reviewing a car’s history be sure to look for cars that come from areas damaged by floods. It is also important to check the National Insurance Crime Bureau also provides free online VIN checks that allow users to discover if the car is salvaged. You should examine a car’s history report to see if there is any indication that the car has changed hands numerous times in the course of a brief period. Be cautious of any history that includes buyers from multiple states. This could be an indication of what’s known as «title washing,» where unscrupulous sellers retitle cars repeatedly in order to hide the car’s history. 2. Look for evidence of water damage. Cars that are submerged in water often have obvious signs, however they can be subtle particularly if the vehicle was cleaned prior to selling. Pay attention to musty or moldy smells that emanate from the climate control system. Be aware of any stains that show up on the interior of the vehicle as well as the engine compartment and trunk. Mud, dirt, or sand in odd places , and seat belts that sound sluggish when they are extended or pulled back are all indications of water damage. It is also essential to drive the vehicle you are considering that you suspect may have water or flood damage. Tips to look out for while you’re driving include damaged electrical systems and infotainment systems that could be triggered if they’ve been impacted by water. You will also want to observe for smoke while you test drive. 3. Be cautious of vehicles that are priced below market value There’s a reason for the old saying that things are too excellent to be real. It’s the case with cars that are priced way below worth, and this can be an indication that something is wrong. Find the average selling price for the vehicle you’re thinking of buying through independent price sites for vehicles such as Edmunds or Autotrader. A new or used car that is priced lower than market value is a strong sign that the seller is looking to get rid of the car. Buyers need to be careful when a vehicle is advertised at a substantial discount. Alongside asking questions regarding the reason why the vehicle is being sold for a lesser price than it should be, it may be a good idea to have the car evaluated by an expert who can detect any issues. 4. Have a professional inspect the vehicle It’s always a good idea to employ a certified mechanic or automotive technician to inspect a car prior to you purchase it, but it’s even more critical to perform this procedure to safeguard yourself from water damage to your vehicle. A professional will ease your mind, especially when the vehicle you’re looking at has any of the signs that are listed below. Check that the inspection not only includes obvious signs of water damage but also a thorough inspection of the electronic equipment, as issues in these systems could last for months before they become apparent. While a pre-purchase inspection will usually be paid for by you, the prospective buyer, it is worth it to prevent you from getting an automobile that’s a lemon. You can expect to spend anywhere from $100-$200 to have an inspection. What do you do if bought a water-damaged car If you’ve bought a car with water damage, it could not be lost. You can repair the vehicle with an experienced mechanic. However, remember that these are not do-it-yourself fixes. You’ll need an expert with a vast understanding of automobiles. Also, keep in mind that the repair of an affected vehicle after a flood won’t be cheap, so you’ll have to figure out if the vehicle is worth the expense. In particular, since flood-damaged vehicles typically have no resale value. The bottom line Flood-damaged vehicles are utilized in every state of this country. If you think that a vehicle may have been impacted by flooding or another kind of water-related event, there are several steps to consider, including completing a car history report, looking for signs of water damage and having the car inspected by a professional. Be aware that even if you aren’t in a region impacted by flooding, you may unknowingly end up with an automobile that has been damaged by water. Find out more

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Written by Contributing Writer Mia Taylor is a contributor to Bankrate and an award-winning journalist who has two decades of experience and worked as a staff reporter or contributor for some of the nation’s leading newspapers and websites including The Atlanta Journal-Constitution, the San Diego Union-Tribune, TheStreet, MSN and Credit.com. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since late 2021. They are dedicated to helping their readers gain the confidence to manage their finances by providing concise, well-researched and well-researched content that breaks down otherwise complex topics into digestible chunks.

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