Insurance should cover it. about 5-7 years ago (my mind doesnt work well with time) I was driving in the rain in my 2000 Prelude SH. the major road was flooded and we were diverted by police onto side streets. around a corner I went and smack into like a foot of water....car stalled out wouldn't start etc. AEM CAI sucked it up like a straw. I pushed the car to a parking lot and had it towed home. my friend (a mechanic) came over and we tried a few things. had it towed to his shop where the insurance guy came over to look. showed the water inside the motor etc. amd they gave me what they felt was the value of the motor minus mileage depreciation. of course it wasn't enought to cover a brand new engine but I used what they gave my to pay for most of a brand new Type S JDM motor from KingMotorsports. good luck man

 

How do you hydrolock with the stock airbox....

something's missing here... unless you went deep sea diving

 

good question, but thats what they found.. and i was involved in a pretty horrible water experience which led my car to seize up.. I dont think the dynamics of it getting into the engine through a stock airbox will be that big of a question to the field rep. Im sure they for the most part they wont try to see if thats plausible for it getting through a stock box vs mod.

 

Appreciate it. I think the fact that water was found inside the engine will be evidence enough, and wont need to haggle the details.

 

I did it, so you can hydrolock a motor with an OEM intake. For me, I turn one corner and there was a few inches on the ground, I may the next corner, and water came up over the hood. The car died and there was an oil slick. A friendly neighbor saw me and pushed me back out of the water. For me, a rod came out the side of the block. It was covered under insurance. 7k in repairs and two weeks on time.

 

UPDATE:

Insurance Rep. has visited Honda to take pictures look at damages.
They found that the spark-plugs had rust on them. There are also various other areas that are rusted. The Honda Tech said that what they found "corresponds" with a Hydrolocked engine. The rep said that all the information was submitted to his supervisor who will look it over and try to come to a conclusion if the water caused the damage..and that since it had been so long they couldnt tell for sure if it was water that caused the damage...since it woild have all evaporated by then..

In the mean-time while this has happened, I finally got the documentation from the original shop that the car was towed to the day after the incident.. their documentation says.. specifically.. " Engine locked due to water " .. they pulled the spark-plugs and found water inside the engine.... THATS on the paper.. so i called the insurance back and told them about the documentation that the shop found, and they said they will "pass" it along..

My question is.. if a mechanic looks at your engine... finds water inside of it.. SAYS that the engine is locked up due to water... how the heck do you dispute that??

No to mention that Honda said the exact same thing later.. without me giving them this knowledge AT ALL... coincidence ?

I dont think so, water locked the motor... now we will see if the insurance tries to screw me over or not

 

I read the Geico link that you posted, but you have to remember that's just a one or two sentence general explanation of Comprehensive coverage, not the actual policy contract. The contract will explain the coverage, give exclusions, then give exceptions to the exclusions. Coverage is granted for Hail, Water and Flood when you purchase Comprehensive coverage (or Other Than Collision), but this coverage also carries exclusions such as Mechanical Breakdown or Failure, as well as Intentional Damage. Many insurance companies will deny your Hydrolock claim based on these exclusions to the Hail, Water and Flood coverage.

Of course, some insurance companies have paid for Hydrolock and chose to ignore the exclusions for whatever specific reason (each claim is different and is handled as a separate, stand-alone case). That's their decision. But as I read the contract, this is where you'd run into trouble trying to get an insurance company to pay for Hydrolock.

 

One last thing...if your insurance company does pay the hydrolock claim under Comprehensive coverage, your rates should stay the same (assuming that nothing else on your policy changes). Comp claim payouts generally don't come with an accompanying surcharge....deer hits, hail damage, etc. If you had a liability loss or an at-fault collision, expect your rates to go up 30-40% for a 3 year time period.

 

that is reassuring to hear! I really think at this point they will probably cover it.. just because the car is going to be claimed on anyways.. costing a large sum either way.. and that as the car is now.. and after there being such a substantial amount of evidence leading to the claim.. they will probably just declare it a total loss and move on from the siutation.. we'll see tho.. will check back..