Flood Damage to Vehicle Parts in House

June 22, 2015

Our insured recently sustained a flood loss to their home. Prior to the flood, the insured had removed the rear seats of their Lexus SUV and they were sitting on the floor of the garage and were damaged by the flood waters.

The flood adjuster has advised the insured that there was no coverage under the flood policy as they are parts of the insured vehicle and therefore excluded.

We are questioning the denial as the seats were no longer part of the vehicle but sitting on the floor so does that not make them contents?

Arkansas Subscriber

The flood policy excludes motor vehicles and their equipment and parts; so even though the seats were removed and were in the premises, they are still parts to a motor vehicle, and as such are excluded. The denial is correct.

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