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Flood damaged car, basement might not be covered by insurance

The aftermath of summer storms, such as those that hit many neighborhoods and freeways in metro Detroit, often includes many angry consumers who soon discover what their insurance policies do — and don’t cover — in these types of emergencies.

Some cars that ended up submerged in water on Interstate-94, for example, might not be covered for those damages by insurance.

J. Robert Hunter, director of insurance for the Consumer Federation of America, said drivers will need to have comprehensive insurance coverage on their auto policy when there is flooding or water damage. You’d pay the deductible out of pocket,

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