Hurricane-Damaged Vehicles

What you need to know
Hurricane-Damaged Vehicles Q&A Additional Resources
Hurricane-Damaged Vehicles

The impact of this year’s hurricane season will be etched on American lives for years to come. Whether it was Harvey or Irma, or is an unnamed storm yet to make landfall, the daunting task of rebuilding, for many, has just begun. And even if you weren’t in the path of a storm, your next shopping trip for a used vehicle means you need information to protect yourself from buying a flood-damaged vehicle. With nearly one million family and company vehicles damaged or destroyed by the storms so far, the need for new and used cars will be intensified. Arm yourself with information and use NHTSA.gov to answer your questions.

Q&A

We recommend that you first contact your insurance company. Once you file a claim, they will be able to help guide you through the process of purchasing a replacement vehicle. If you are looking to purchase a new vehicle, search NHTSA’s 5-Star Safety Ratings, which measure the crashworthiness and rollover safety of vehicles. Five stars is the highest rating, and one star is the lowest.

If the insurance company pays your claim as a total loss, help protect future buyers by making sure that the damaged vehicle’s title is transferred to the insurance company and includes the information required by federal odometer disclosure law.

If you have a policy with the National Flood Insurance Program (NFIP Direct), call 800-638-6620.

Please contact your State’s Department of Motor Vehicles (DMV) to determine whether you can obtain a copy of your title in person at a regional office, or by applying for a certified copy online or through the mail. State DMV offices may vary slightly in requirements for obtaining vehicle paperwork.

  • Hurricane Scam Market: According to the U.S. Federal Trade Commission (FTC), scams often follow the news, and they hit hardest after a natural disaster. Sadly, many scammers are looking to profit off the post-hurricane flood market. Stay smart and alert. If you get a robocall regarding your vehicle, do not respond; hang up the phone and contact your insurance company. If you suspect fraud, call the FEMA Disaster Fraud Hotline toll free at 866-720-5721. You may also report the call to the FTC.
  • Understanding a Used Vehicle’s History: If a vehicle is declared “totaled,” it will receive a new title, called a “salvage” or “flood” title. The vehicle will typically then be sold at a salvage auction to junkyards or vehicle rebuilders. It is legal to resell to consumers if the defect is noted on the title, the vehicle has been rebuilt, and the vehicle has received a “rebuilt” title. Beware of flood-damaged vehicles with clean or “lost” titles. The National Motor Vehicle Title Information System (NMVTIS) can help you trace a vehicle’s title history.
  • Odometer Fraud: In the Unites States, it is a crime to alter a vehicle’s odometer. NHTSA estimates that more than 450,000 vehicles are sold each year with false odometer readings, costing Americans more than $1 billion annually. Be prepared to see altered odometers on the market. Learn more about what odometer fraud is, how to spot it, and whom to contact if you think you’re a victim.

Scammers looking to make a buck know how to clean up a damaged vehicle. On first appearance, the vehicle may look fine. If the seller is using a fraudulent title, it may be even more difficult to determine whether the vehicle is flood-damaged. However, flood damage can affect a vehicle’s mechanisms for years to come, and may not always manifest as a problem right away. Remember these tips from the Florida Department of Highway Safety and Motor Vehicles for spotting flood-damaged vehicles when shopping around:

  • Sniff Test: If the car smells musty, there is a high likelihood it has been exposed to water. If it has a strong smell of deodorizer or air freshener, it is possible the seller is trying to mask the smell of mildew.
  • Dirt and Grime: Mud, dirt, or waterlines inside the vehicle are possible signs of flood damage. Don’t forget to check hidden spots for dirt and watermarks, like the trunk, glove box, and under the dashboard.
  • Rust and Corrosion: Check under the vehicle to see if there is an unusual amount of rust or corrosion for the vehicle’s age and location.

Be sure to mention any of these damaged vehicle components to your insurance company.

Additional Resources

Federal Emergency Management Agency

National Oceanic and Atmospheric Administration

National Hurricane Center

Information for Texans affected by Hurricane Harvey

Information for Floridians affected by Hurricane Irma