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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 smarter financial decisions by offering interactive tools and financial calculators as well as publishing unique and impartial content. We also allow you to conduct your own research and compare data for free and help you make sound financial decisions. Bankrate has agreements with issuers including, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The deals that are displayed on this site come from companies who pay us. This compensation may impact how and when products are featured on this website, for example such things as the order in which they may be listed within the categories of listing in the event that they are not permitted by law for our mortgage, home equity, and other home loan products. But this compensation does affect the information we publish, or the reviews appear on this website. We do not contain the entire universe of businesses or financial offers that may be open 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. Written by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since late 2021. They are passionate about helping readers gain confidence to control their finances by providing precise, well-researched, and well-researched data that break down complex subjects into bite-sized pieces. The Bankrate promise
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We are compensated in exchange for the promotion of sponsored goods or services, or when you click on certain links posted on our site. This compensation could impact how, where and in what order products appear within listing categories, unless prohibited by law for our mortgage, home equity, and other products for home loans. Other factors, such as our own website rules and whether the product is available within your area or at your personal credit score could also affect the manner in which products are featured on this site. While we strive to provide the most diverse selection of products, Bankrate does not include information about every credit or financial product or service. Automobile buyers across the United States are susceptible to the effects 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 Ida in 2021. Ida in 2021, may be brought to market after the storm. Carfax information suggests that up to 212,000 vehicles may have been damaged by the storm Ida. When flood-impacted cars are resold to buyers who are not aware of the damage, they often have expensive mechanical and electrical problems that are discovered months later. Even if you're not in an area where flooding is common it is possible to buy a vehicle that has water damage. Carfax research shows that water-damaged vehicles appear in every state, meaning people from coast to coast are at risk of purchasing a flood-damaged car. How to tell if an automobile is damaged by water? Water-damaged cars can be hard to recognize. They are usually clean and may even run well for a while. However, eventually, you are likely to be faced with problems because flooded cars rot from the inside out. Here are some indications that a car might be damaged by water smell musty A car's interior that has been damaged by water cars will often smell musty. Sellers who are not reputable may attempt to cover up the smell using powerful air fresheners, but it's very difficult to truly remove a car from a moldy aroma. One way to check the car's smell is to be inside and close the windows. Carpets that are damp or wet: Water damage can collect in places you don't immediately be able to see, like under carpeting. Take a look at the carpets in the car and then pat them in order to find any potential moisture buildup. Check the trunk as well, even removing the spare tire in order to check for any water underneath it. Stained or mismatched upholstery and carpeting: Another sign that water has damaged your vehicle is to see a car that has stained or loose carpeting and upholstery. Check for brown, blotchy stains, which are signs for water-related damage. When you conduct inspections, check the carpeting on the floor with upholstery on the doors as well as the roof. All of them should appear like they're of the same age and color. Rust: A car with water damage could have rust around the doors, inside the hood or even under the dashboard. Door hinges, screws or trunk latches as well as handles for doors could also show signs of rusting. Brittle wires: Look under the dashboard in case you think that your vehicle may be suffering from water damage. The presence of brittle wires may be a sign that your vehicle was impacted by an event that caused water or other type. Fog or water beads: If a car's interior lighting, instrument panel or exterior lights appear dim or have moisture beads inside them, think of it as an indication that the vehicle could be suffering from water damage. Silt or mud buildup: When there is a flood, water may carry mud and dirt into the vehicle. When the flood is over and the dirt is gone, it will be left behind. The most common places to check for mud and silt include the glove compartment, trunk, under the dashboard, and below seats. 4 tips to avoid buying 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 intuition is right. There are a variety of tools available to aid you in getting to the bottom of this important problem, along with warning signs to look out for. 1. Conduct a car history check The process of running a car history report can reveal issues with your car prior to you make a purchase. A clear indicator of a car that has been damaged by water will be one marked as the case. Departments of motor vehicles require permanent title marks for cars that were badly damaged by floods. If the car was declared to be totally damaged, it is expected to receive a new title entirely that's branded "salvage" or "flood." The title will be determined by the stateof the vehicle this information could be indicated by a numeric code. Carfax and Experian have flood check tools which allow users to run an uncostly check of the background of a vehicle. They require your VIN of the car to be checked. When reviewing a car's history take a look for vehicles that are from areas that have been affected by flooding. There is a National Insurance Crime Bureau also offers free VIN checks online that permit consumers to find out whether the car is salvaged. It is important to check a car's historical report to determine if the car has changed hands several times over a short period of time. Be wary of any history that includes buyers in multiple states. This could be an indication of what's referred to as car "title washing," where unscrupulous sellers retitle the car several times to conceal its past. 2. Look for evidence of water damage. Cars that are submerged by water usually have obvious signs, however they may be subtle, especially if the car is being cleaned for selling. Be aware of musty or moldy smells such as those emanating 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 signs of damage from water. It's also crucial to try driving a car that you suspect might be prone to flooding or water damage. Some things to be aware of while you're driving include malfunctioning electrical systems as well as infotainment systems that could be triggered if they've been affected by water. You will also want to be on the lookout for signs of smoke during your test drive. 3. Be cautious about cars which are priced at a lower value. There's a good reason behind the saying that something is too excellent to be real. This includes cars being priced at a premium over their worth, and this can be an indication that something is not right. 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 sold at a price that is lower than the market value is an indication that the seller is eager to sell it. Buyers must be cautious when a car is listed for a significant discount. As well as asking questions about the reason the vehicle is listed for much less than what it is, it may be a good idea to have the vehicle looked at by a professional who can detect any issues. 4. Take a professional inspection generally a wise idea engage a certified mechanic automotive technician to go through and thoroughly look over a car before you purchase it, but it's more important to take this step in order to protect yourself from damage caused by water on your car. A professional will to ease your mind, particularly if the car you are considering has one or more of the warning signs mentioned in this article. Be sure that the inspection doesn't only include obvious signs of water damage but as well a thorough examination of the electronic equipment, as issues in these systems could take months to surface. A pre-purchase inspection generally be paid for by the buyer, it will be an investment if it prevents you from ending up with a car that is an absolute lemon. It is possible to pay between $100 and $200 to have an inspection. What should you do if you bought a vehicle that is damaged by water you've purchased a vehicle with water damage, all could never be destroyed. You can repair the vehicle with an experienced mechanic. However, remember that these aren't DIY fixes. They will require professionals with extensive experience with cars. It is also important to keep in mind that repairing an affected vehicle after a flood won't be inexpensive, and you'll want to determine whether the vehicle is worth the investment. Particularly since damaged cars from floods usually don't have any selling value. The bottom line Flood-damaged vehicles are used in every state across this country. If you think that a vehicle could have been affected by flooding or some other type of water event there are a variety of steps you can follow, such as obtaining a vehicle history report, examining for signs of water damage and having the vehicle inspected by a qualified professional. Remember, even if you do not reside in an area affected by flooding, you might accidentally end up with an automobile that has been damaged by water. Learn 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. Written by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate from late 2021. They are committed to helping readers feel confident to take control of their finances by providing precise, well-studied information that break down complex subjects into bite-sized pieces.
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