As flood events become more frequent and severe across North America, the risk of unknowingly purchasing a flood-damaged used car has risen dramatically.
This year alone, Ontario experienced over $1 billion in insured flood damage, making it the second-costliest summer for flooding in the province’s history. Quebec faced its own record-breaking flood in August, with damages exceeding $2.5 billion.
Meanwhile, the United States endured one of its worst hurricane seasons, causing losses estimated at over US$100 billion.
These extreme weather events have left a hidden danger lurking in the used car market: vehicles damaged by flooding, according to the Insurance Bureau of Canada (IBC).
In a statement, the bureau warned that unscrupulous sellers sometimes “clean up” these vehicles, hiding flood-related damage and attempting to resell them to unsuspecting buyers, including those in neighbouring regions where flooding may not have been as prevalent.
To help consumers avoid purchasing potentially unsafe vehicles, experts from Consumer Reports and CARFAX offer tips:
1. Review the vehicle’s history. Before making a purchase, experts advise to investigate the vehicle’s past. Use IBC’s free VIN Verify service to check if the car has been declared non-repairable in provinces such as Alberta, Ontario, or the Atlantic regions. Additionally, obtaining a CARFAX Canada Vehicle History Report can reveal flood exposure or collision damage and any prior registrations or liens on the car.
2. Trust your nose. A musty smell is often the first sign of a waterlogged vehicle. Be cautious of strong air fresheners, as they may be used to cover up the smell of mold or mildew.
3. Inspect the carpets and seats. Look carefully for mud, dirt, or water stains under the carpets and in hard-to-reach areas. Unusually new upholstery or carpets in an older car may indicate that repairs were made to conceal flood damage.
4. Check for condensation or waterlines. Examine the dashboard for signs of condensation, which suggests moisture has been trapped inside the vehicle. Additionally, inspect the lights and reflectors for visible waterlines, which can indicate the car was submerged in floodwater.
5. Scrutinize tight spaces. Look in gaps between panels and brackets, where grime and flood residue are likely to collect. Also, check under the hood for signs of rust or mud, which should not be present in a vehicle not exposed to flooding.
6. Test the electronics. Floodwater can damage a car’s electronics. Test all dashboard controls, such as the lights, wipers, air conditioner, and radio, to ensure they function correctly.
7. Look for rust on metal parts. Bare metal, especially screws under the dashboard, will show rust if exposed to floodwater. This can serve as a red flag indicating the vehicle has been damaged by flooding.
8. Get a pre-purchase inspection. Before finalizing the sale, it’s wise to have a licensed mechanic conduct a thorough inspection of the car. Over time, flood damage can lead to costly issues with the brakes, steering, and electrical systems. A mechanic can detect these potential problems before they become serious expenses.
Experts highlight the importance of taking a cautious approach when buying a used car. By following these precautions, buyers can protect themselves from the risks of flood-damaged cars, ensuring that their investment in a used vehicle is safe.
Do you have something to say about this story? Share your thoughts in the comments below.
