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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 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 and help you make informed 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 Earn Money The offers that appear on this website are provided by companies who pay us. This compensation can affect the way and when products are featured on this website, for example such things as the order in which they may appear in the listing categories, except where prohibited by law for our loan products, such as mortgages and home equity and other home loan products. This compensation, however, does have no impact on the information we provide, or the reviews that you read on this site. We do not cover 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. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since the end of 2021. They are committed to helping readers gain the confidence to manage their finances through providing clear, well-researched information that breaks down complicated topics into manageable bites. The Bankrate guarantee
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Therefore, this compensation may impact how, where and when products appear in listing categories, unless it is prohibited by law regarding our mortgages, home equity and other home lending products. Other elements, like our own proprietary website rules and whether the product is available within your region or within your self-selected credit score range may also influence how and where products appear on this site. We strive to provide the most diverse selection of products, Bankrate does not include information about every financial or credit product or service. Car buyers throughout the nation can experience the aftereffects of destructive floods by unknowingly purchasing water-damaged vehicles. Used and new cars damaged by significant flood events like Hurricane Ida in 2021, can find their way to the market in the aftermath of the storm. Carfax information suggests that as many as 212,000 vehicles may be damaged due to the hurricane Ida. If flood-damaged cars are sold, unsuspecting buyers often face costly electrical and mechanical issues that are discovered months later. Even if you're not in an area where flooding is common it is possible to buy a car with water damage. Carfax research also shows that water-damaged vehicles appear in every state, meaning that buyers from coast to coastline are at risk of purchasing an affected car due to flooding. How do you tell if a car has water damage Damaged cars from water can be difficult to identify. They are usually clean and may even run well for a short time. Eventually, however, you are likely to face problems as flooded cars rot from the inside out. Here are some of the indications that a car might be damaged by water: Musty odor: The interior of water-damaged vehicles will usually smell musty. Unscrupulous sellers may try to mask the smell with powerful air fresheners, but it's very difficult to rid a car of a moldy aroma. One method to determine the smell of a car is to lie in the car and shut the windows. Carpets that are damp or moist water damage may accumulate in areas you cannot immediately be able to see, like under carpeting. Check the carpets all over the car, and rub them in order to find any possible moisture buildup. Also, check the trunk, even removing the spare tire to look for any evidence of water under it. Carpeting that is stained or unmatched carpeting: Another indication for water-related damage could be a vehicle with loose or stained carpeting and upholstery. Be on the lookout for blotchy brown staining, which is a sign that water has damaged the car. When you conduct inspections, check the floor carpeting to the upholstery on the doors and the roof. The carpets should all appear like they are of the same in age and color. Rust: A vehicle with water damage could be covered in rust on the doors, in the hood or even under the dashboard. Screws, hinges for doors or trunk latches as well as door handles could be showing signs of rust. Brittle wires: Examine under the dashboard if you believe the car might have water damage. Brittle wires can indicate that the vehicle is a victim of any water-related event of any kind. Fog or moisture beads: If your vehicle's interior light instruments, exterior lights, or lights appear dim or have water beads in them, consider it an indication that the vehicle could be suffering from water damage. Mud or silt buildup: When there is a flood, water may carry dirt and mud inside a vehicle. When the flood is over, the dirt will remain. Some of the areas to look for silt and mud are the trunk, glove compartment and under the dashboard and beneath the seats. 4 tips to avoid buying the car that has been flooded. If you are concerned that your car may be flooded or have flood or water damage it is important to do your homework and find out whether your intuition is right. There are numerous tools available to assist you in getting to the root of this vital problem, along with indicators to watch out for. 1. Run a vehicle history report Running a vehicle history report can uncover issues with your car prior to you buy. The most obvious sign of a water-damaged car is one that is identified as an example. Departments of motor vehicle require permanent title marks for vehicles that were badly destroyed by floods. If the vehicle is declared to be totally damaged, it is supposed to be given an entirely new title that's branded "salvage" as well as "flood." The title will be determined by the stateof the vehicle the fact that this happened could be indicated with a numeric code. Carfax and Experian offer flood check tools that permit users to conduct an independent check on the past of a car. The platforms require only your VIN of the vehicle that is being investigated. If you are looking over a car's past be sure to look for vehicles that are from areas damaged by floods. It is also important to check the National Insurance Crime Bureau also provides online VIN checks that allow users to discover if a car has been declared salvaged. You will want to check a car's historical report to see if there is any indication that the car has changed hands several times over an extremely short time. Be particularly leery of a history that involves buyers in multiple states. This could be a sign of what's referred to as car "title washing,"" in which unscrupulous sellers change the title of cars repeatedly in order to hide its history. 2. Look for evidence of water damage. Cars which have been even partially submerged by water usually have telltale signs, but they may be subtle, especially if the car has been cleaned up for sale. Take note of musty or moldy smells such as those emanating through the system for controlling temperature. Take note of any stains you see on the interior of the vehicle or engine compartment, as well as on the trunk. Sand, dirt or mud in odd places , and seat belts that sound gritty when extended or pulled back are all indicators of water damage. It's also important to test drive a vehicle in particular, particularly one that may have water or flood damage. Tips to look out for during a test drive include malfunctioning electrical systems as well as infotainment systems that could be triggered if they've been affected by water. Also, look for signs of smoke during your test drive. 3. Be cautious of vehicles that are priced lower than market value. There's a good reason behind the old saying that things are too great to be true. It's the case with cars that are priced at a premium over their worth, and this is usually an indicator that something is wrong. Look up the median selling price of the vehicle you're thinking of buying at independent sites for pricing of vehicles such as Edmunds or Autotrader. A new or used car priced below market value is an indication that the seller is eager to dispose of the car. Buyers should tread cautiously when a vehicle is listed for a significant discount. As well as asking questions about why the car is being offered for a lesser price than it ought to be an offer, it could be recommended to get the vehicle looked at by an expert who can find any issues. 4. Get a professional inspection It's best engage a certified mechanic automotive technician to thoroughly look over a car before you purchase it, but it's even more crucial to take this step to protect yourself from water damage to your vehicle. An expert can ease your mind, especially in the event that the vehicle you're looking at has any of the warning signs mentioned in this article. Be sure that the inspection doesn't only include obvious indicators of water damage, but also a thorough inspection of the electronic equipment, as issues with these systems can be a long time before they are discovered. While a pre-purchase inspection will generally be paid by you, the prospective buyer, it is worth it if it prevents the buyer from buying a car that is a lemon. It is possible to pay from $100 to $200 for an inspection. What should you do if you purchased a car that has been damaged by water If you've bought a car that has water damage all might not be lost. Repairs can be made to the vehicle with an experienced mechanic. However, remember that these aren't DIY repairs. It will require a professional who has extensive knowledge of cars. It's also worth bearing in mind that repairing a flood-damaged vehicle will not be inexpensive, and you'll want to determine whether the vehicle is worth the cost. Particularly since damaged cars from floods typically have no potential for resales. In the end, flood-damaged cars are used throughout the country. If you suspect a car may have been impacted by flooding or some other sort of water related event, there are steps you need to consider, including completing a car history report, looking for obvious evidence of water damage, and having the car inspected by a qualified professional. Keep in mind that even if do not reside in an area impacted with flooding, it is possible that you may accidentally end up with a damaged or damaged vehicle. 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. Written by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since late 2021. They are passionate about helping readers to take control of their finances by providing concise, well-researched and well-researched content that breaks down complicated topics into digestible chunks.
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