I don't know which flood you are referring to, but this is the reason an insurance adjuster may classify your vehicle as a total loss instead of a repairable vehicle:

• If the cost of repairing the vehicle, plus its salvage value, plus rental reimbursment expense during repair equals or exceeds its actual cash value, it is not economically feasible to repair. This situation is commonly referred to as a "total loss."

We understand that a total loss is usually not a good situation even if it is not your favorite vehicle.

• Some companies consider a damaged vehicle a total loss when the total cost to repair it exceeds just 51 percent of the vehicle's actual cash value (because of added storage costs, rental car, etc.), while others don't consider it a total loss until it is at 80% of the ACV.

We hope you and your family are safe during this strenuous time.