WAIT FOR FEMA!! I lost my car during the flooding in upstate NY last year. The FEMA agent will look at your car to verify it's damaged due to flooding and will also verify you had liability insurance at the minimum. Once they finish their report send it to the scrap yard, most people won't buy anything from a car that was involved in a flood. If you had any damage to your home don't forget to include items you may not have really had, FEMA will cover a portion of it.