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You insurance adjuster will make that determination. More than likely the answer is yes. Just adding something that seems rather odd to myself anyway. Some insurance providers pay for hurricane damage but not the flooding caused by the hurricane. Apparently that has to be covered by having flood insurance included in the policy as well as storm damage. HUH?

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โˆ™ 2005-09-14 13:54:29
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Q: If during a hurricane your car is flooded is it a total loss?
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