Can My Flooded M3 Be Saved?

[lemoose]

Has anyone had experience with insurance giving additional proceeds/$ for the performance mods you’ve put into your cars? For example I’ve cataloged My Headers, Exhaust, BBK (stoptech), ZCP Wheels, etc all with Gieco l. But will I have success to get them to pay extra?

None at all in my experience with your typical big insurance companies. your best bet is to remove any salvageable valuable parts from it, total it, get a new one, and get agreed value insurance on it. You'll probably be able to negotiate a couple thousand dollars here and there on the total loss value but I think you'd be very lucky to get more than that.

[TexaZ3]

If the vehicle was fully submerged - it is a goner, guaranteed. Insurance won't even think twice - it is as good as totaled, and you will never get it to run right no matter how much money you pour into it. Just move on. Sorry...

[cobra]

Unfortunately it is probably ruined. Water will have entered the engine through the exhaust/intake and fully corroded the inside of the engine. On dirtbikes, if you submerge a bike you are to immediately disassemble it or run it to boil off the water. If it sits for even a day, it's game over.

Very sorry this happened OP, you have our collective sympathy.

[d33p]

If its completely submerged its totaled. Like dont even bother with anything other than an insurance claim.

I live in NJ and thought of my m3 as I saw the flood reports. Thank God I wasnt in any danger of flooding.

Sorry for your loss though, its gotta suck to feel so helpless.

I always think of this video when I hear about floods.

[SQ13]

If you decide to gut it, you’ll also need to remove the sound deadening. Mine got black water inside when it flooded, and the smell was retained in the sound deadening. Also had a bit of floodwater between the floor and sound deadening.

[Mattn1192]

Sorry to hear man. I would be so heartbroken. Like others have mentioned, remove anything still of value that can still function and/or worth something.

[bigjae46]

Personally, I wouldn't lift a finger on this car. Stick a fork in it.

For sure. But he asked.


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[M3GA]

No way I’d be considering trying to salvage a car that went completely underwater especially for that long … maybe as a gutted track car. That water would be filthy too and is now all throughout every nook and cranny. Insurance claim and buy a new one IMO. Some stuff might still be good if you buy it back like the exhaust, wheels, maybe even bbk after a rebuild.

Agreed, not worth future headaches. Claim and move on.

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[Jimbo's M]

The faster you get the carpets out, the less of a chance you get mold and mildew.

So need to get the wet stuff out inside ASAP.


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Personally, I wouldn't lift a finger on this car. Stick a fork in it.

[Tbonem3]

Take the nice parts off that can be saved.

[jet_dogg]

Damn this sucks man, sorry to hear this.

It shouldn't happen to anybody.

[bigjae46]

The faster you get the carpets out, the less of a chance you get mold and mildew.

So need to get the wet stuff out inside ASAP.


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[repoman89]

No way I’d be considering trying to salvage a car that went completely underwater especially for that long … maybe as a gutted track car. That water would be filthy too and is now all throughout every nook and cranny. Insurance claim and buy a new one IMO. Some stuff might still be good if you buy it back like the exhaust, wheels, maybe even bbk after a rebuild.

[Estoril]

Your interior will likely be the least of your problems. Anything electrical that was submerged is unlikely to be salvageable. That includes the full wiring harness - which (in my experience) is always toast.

[Estoril]

Has anyone had experience with insurance giving additional proceeds/$ for the performance mods you’ve put into your cars? For example I’ve cataloged My Headers, Exhaust, BBK (stoptech), ZCP Wheels, etc all with Gieco l. But will I have success to get them to pay extra?

That depends on your specific policy. Policies aren't generic.