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<keyword id="19895037" type="General" weightage="20" keywordseo="bengaluru" source="keywords">Bengaluru</keyword> has been suffering from a pretty nasty streak of flooding every time the rains come rolling around, leaving residents struggling with power outages, flooded streets, and impassable roads. With this scenario in mind, let’s dive into how you can protect your vehicle during such conditions and how to care for it afterward. Driving through waterlogged roads can be intimidating, but with the right precautions, you can minimise damage to your vehicle.<br /><h4>1. Assess the <keyword id="23569146" type="General" weightage="20" keywordseo="water-depth" source="keywords">Water Depth</keyword></h4>Before attempting to cross a flooded road, take a moment to gauge how deep the water is. This isn’t just about looking at how far the water reaches on your tires, but also how other cars are handling it. Water deeper than 6 inches (about ankle height) can pose significant risks. For moving water, the danger is even greater. In fact, as little as 4 inches of fast-flowing water can sweep away a vehicle, leading to potentially life-threatening situations. Be cautious — if you're uncertain about the depth, turn around and take a different route.<br /><h4>2. Enter the Water Slowly and Steadily</h4>If there’s no way around the flooded street, approach it slowly. When you enter too fast, your car may aquaplane, which is when the tires lose contact with the road, making it easy to lose control. Aim for a slow and steady speed. as this allows your tires to maintain traction while reducing the chances of creating waves that could send water into the engine. Once in, keep your car moving at a steady pace without stopping.<br /><h4>3. Keep Your Engine Revved Up</h4>One of the major risks when driving through water is <keyword id="22589183" type="General" weightage="20" keywordseo="engine-damage" source="keywords">engine damage</keyword>. If water enters the exhaust pipe, it can cause the engine to seize, potentially leading to a costly repair. To avoid this, keep your engine’s revs high as you navigate through the water. In manual cars, slipping the clutch slightly while staying in a low gear helps maintain higher revs without speeding up too much. For automatic cars, switching to the lowest possible gear before entering the water is a smart move.<br /><div type="Article" hostid="261" msid="114274586" title="Bengaluru rains bring life to a standstill; relief likely after October 18" mstype="2" mssubtype="0"></div><h4>4. Beware of Large Vehicles</h4>If you’re driving near trucks or buses, be mindful of the large waves they create as they plow through floodwaters. These waves can wash over your car, increasing the likelihood of water entering your engine bay or cabin. It’s best to wait for larger vehicles to clear the flooded area before attempting to drive through yourself. Keeping a safe distance ensures you’re not caught in their wake.<br /><h4>5. Know What to Do if You Stall</h4>If your vehicle stalls while driving through water, the immediate response is crucial. Try to restart the car as quickly as possible because the longer the car remains stationary, the greater the chance of water entering critical parts like the exhaust system. However, if the water is too deep or you're unsure, it’s best to avoid restarting to prevent further damage. Instead, push the car to safety if possible, or call for help.<br /><div type="Article" hostid="261" msid="114136105" title="Heavy rains to lash across the country between Oct 12-16, here&amp;#39;s how you can insure your home from rain&amp;#39;s fury" mstype="2" mssubtype="0"></div><h2>Flood-aftercare for your vehicle</h2>Once you've navigated through the floodwaters, your car still requires attention to minimise long-term damage.<br /><h5>1. Dry Your Brakes</h5>Driving through water can leave your brakes wet and less effective, increasing your stopping distance. To dry them out, gently tap the brake pedal once you’re back on dry land. This friction helps evaporate any water that may have settled on the brake discs, allowing them to return to full function. Testing the brakes in a safe spot ensures they’re responsive when needed.<br /><h5>2. Inspect the Air Filter</h5>After driving through a flood, one of the first things to check is the air filter. If water has entered the air intake system, it can damage the engine. A soggy or dirty air filter should be replaced immediately to avoid contaminants entering the engine and causing performance issues later on.<br /><h5>3. Look for Signs of Water in the Engine</h5>If you suspect that water has entered the engine, especially if your vehicle stalled, resist the urge to restart the car. Instead, have the vehicle towed to a mechanic. Starting the engine with water inside can lead to hydrolock, where water in the cylinders causes the engine to seize, potentially requiring a costly engine replacement.<br /><h5>4. Thoroughly Clean the Undercarriage</h5>Floodwater is often filled with debris, dirt, and contaminants that can settle on your car’s undercarriage, leading to rust or corrosion over time. Once the water recedes, give your car a thorough wash, paying special attention to the underside. This will help prevent rust and other issues that could develop due to prolonged exposure to dirty water.<br /><h5>5. Monitor Electrical Components</h5>Flooding can wreak havoc on your car’s electrical systems. After driving through water, test all your vehicle's electronics — lights, indicators, power windows, and infotainment system. Water intrusion can cause malfunctions or short circuits, so if you notice any irregularities, have them inspected by a professional to prevent further issues.<br /><div type="Article" hostid="261" msid="114242444" title="Severe cyclone threat looms large near Chennai as IMD GFS predict landfall by Thursday!" mstype="2" mssubtype="0"></div>By staying cautious during floods and following these post-care steps, you can keep your vehicle in good shape and avoid the worst of water damage.<br />

Rains forcing you to ride through waterlogged areas? Here’s how to safely traverse flooded roads and minimise damage to your vehicles

Electric vehicles (EVs) are all the rage these days. With their promise of lower emissions and smooth, quiet rides, it’s no wonder that the global demand for EVs has been soaring. However, if you live near the coast — or anywhere prone to flooding — there’s a less-talked-about risk that could make you rethink that shiny new electric car parked in your driveway: saltwater-induced fires from flooded EV batteries.<br /><h2>Saltwater and EV batteries</h2>When it comes to EVs, the heart of the vehicle’s power lies in its battery, usually a lithium-ion (Li-ion) pack. These batteries are highly efficient, but they’re also sensitive to water, especially the salty kind. In September and October 2024, the Southeast U.S. was hit by hurricanes Helene and Milton, which caused catastrophic flooding. Thousands of homes were damaged, and in a particularly frightening twist, 11 electric cars and 48 lithium-ion batteries caught fire after being exposed to salty floodwaters.<br /><br />Saltwater is a conductor of electricity, which means it can get into the EV battery packs, triggering a dangerous reaction. When water seeps into the battery, it can cause a short-circuit between the battery's terminals, which may lead to overheating, violent fires, and even explosions. In many cases, the fire doesn’t start right away — it can take hours or even days after the exposure before a thermal runaway event occurs, causing a dangerous blaze. Once the fire starts, it’s nearly impossible to put out with regular fire-fighting methods. Firefighters often have no choice but to let the battery burn itself out.<br />    <div type="Article" hostid="261" msid="113906136" title="Planning to purchase an EV? Here&amp;#39;s how to ensure it never catches on fire" mstype="2" mssubtype="0"></div>In 2022, during Hurricane Ian in Florida, 36 EVs that had been flooded reportedly caught fire, even some that were being towed on flatbed trucks. The problem lies in how lithium-ion batteries react to saltwater. The metal terminals in these batteries, when exposed to salty water, can corrode and build short-circuiting paths that lead to fires days later. The fire hazard remains even in fully discharged batteries, meaning even seemingly "safe" vehicles after flooding could still pose a serious threat.<br /><h2>The risk to coastal cities</h2>This issue is especially concerning for coastal cities where rising sea levels and hurricanes are becoming more frequent. According to a 2023 report by the International Energy Agency (IEA), <keyword id="381751" type="General" weightage="20" keywordseo="electric-vehicle" source="Orion">electric vehicle</keyword> adoption is growing rapidly in many parts of the world, including India, where EV sales increased by around 50% in the first quarter of 2024 alone. Cities like Mumbai, Chennai, and Kochi are embracing EVs due to their environmental benefits and growing infrastructure support. However, these coastal cities are also at higher risk for flooding, making the combination of increased EV adoption and rising sea levels a perfect storm for potential disaster.<br /><br />In fact, areas prone to heavy rains and floods, like India’s coastal cities, are facing unique challenges. The combination of frequent monsoon floods and rising sea levels presents a scenario where more and more EVs could end up submerged in salty floodwaters, increasing the risk of battery fires in the region.<br /><h2>What does this mean for you?</h2>While electric cars are generally safe under normal conditions, the growing risk of battery fires due to flooding is an important factor to consider if you live in flood-prone areas, especially near the sea. The key takeaway here is that EV owners should take extra precautions when natural disasters loom, particularly hurricanes and floods. Here's what you can do to protect your EV:<br /><br /><ul><li>Move your EV to higher ground: If you're in a flood zone, take your EV to higher ground or evacuate it if possible. This will help prevent it from being submerged in salty water.</li><li>Evacuate early: Be proactive and evacuate before the floodwaters hit. Don't wait for the last minute to move your vehicle to safety.</li><li>After the flood, treat submerged EVs with caution: If your EV has been submerged in water, especially saltwater, it’s essential to avoid using it, charging it, or even moving it until it’s been inspected by professionals. Contact the manufacturer for a thorough inspection of the battery.</li><li>Do not attempt DIY fixes: If your vehicle has been exposed to saltwater, do not try to start it, charge it, or fix the battery yourself. The risks of fire are too high, and professionals are trained to handle such situations safely.</li></ul>

Buying an EV may be a somewhat dangerous move if you live near the sea

With heavy, torrential rains currently lashing south India, particularly Bangalore and Chennai, life in these metros has reached a complete standstill. While there is little you can do to control nature's ongoing fury, you can safeguard your precious two- and four-wheelers, which have little respite or protection from the ongoing vagaries of rains and floods. <br /><br />During heavy rains, the first in line of damage is your vehicle's engine, which could cost you a bomb! If the water enters the engine's cylinder, it can cause it to seize and leave it beyond repair. Another common damage your vehicles can face during such times is <keyword id="23605837" type="General" weightage="20" keywordseo="electrical-failure" source="keywords">electrical failure</keyword> since water seepage can cause shorting of the electrical components, including the battery, alternator, and wiring systems. Then there's moisture seepage, which can affect your vehicle's braking and fuel systems. <br /><br /> <h2><keyword id="20224622" type="General" weightage="20" keywordseo="motor-insurance" source="keywords">Motor Insurance</keyword> to the Rescue</h2>  While a comprehensive motor insurance policy might protect you against accidents, thefts, and other third-party liabilities, they might fall short when it comes to safeguarding your vehicles from damages caused by natural calamities like heavy rain.<br /><br />As such, you can opt for a few add-ons over and above your regular motor policy to ensure you don't end up spending a hefty amount from your pockets if your vehicles need repair. <br /><br />"In Chennai and Bangalore, the recent heavy rains have led to several challenges, causing multiple vehicles and home damage. Urban flooding is a phenomenon now being witnessed in most metropolitan cities. Cases of vehicles being swept away in floods have also been seen, leading to total loss" Vivek Chaturvedi, CMO and Head of Direct Sales, Go Digit General Insurance<br /><br />"While comprehensive motor insurance policies protect your vehicle against damage from natural disasters such as floods, cyclones, and heavy rains, you should consider add-on covers like engine protection, zero depreciation, <keyword id="22024865" type="General" weightage="20" keywordseo="roadside-assistance" source="keywords">roadside assistance</keyword>, return to invoice, and consumables. These options help cover the costs of repairing or replacing vehicle parts and any injuries or damage from accidents," he continues. <br /><br />Here's a ready reckoner of all add-ons you can consider: <br /><br />1. <keyword id="23605835" type="General" weightage="20" keywordseo="engine-protection-cover" source="keywords">Engine Protection Cover</keyword>: This cover protects your wallet from costly repairs in case your vehicle's engine is severely damaged. <br /><br />2. Zero Depreciation Cover/Bumper-to-Bumper Cover: While servicing your claims, insurers generally deduct depreciation or regular wear and tear on your vehicle. This add-on guarantees you a claim without any deduction for wears and tears.<br /><br />3. Roadside Assistance Cover: You never know when your vehicle might be stalled. This cover offers repair at the site, towing, and alternative travel if one’s car is stuck on waterlogged roads. It can also include services like fuel delivery, battery replacement, or flat tire repair.<br /><br />4. Tire Protection Cover: It offers repair or replacement of tires damaged due to cuts, bursts, or bulges during wet, hazardous conditions.<br /><br />Says Kalpesh Chavan, Senior Vice President &amp; Product Head of Elephant (Corporate Insurance Wing of Alliance Insurance Brokers), "EV owners should additionally also opt for battery protection cover and electric surge secure add-on. This add-on protects the electronic pieces and circuits of electric vehicles from any short circuits, electrical arcing, or leakage, especially through water entry."<br /><br /> <h2>Don't crank up the engine. </h2>Got a vehicle that's flooded with water? Don't try to start it forcefully. If you do so, the insurance company can decline your claim for all the damage caused by attempting to start such a flooded engine. Your best bet in such cases is to wait till the water subsides and then try revving up the engine. <br /><br />Chavan adds that most car owners need to take into account how disaster-prone their area is and end up estimating the wrong coverage amount for their cars. Inadequate study of the terms and conditions of the policy may lead to claim rejections when most needed.<br /><br />But most importantly, if your vehicle's insurance is up for renewal, do not delay or procrastinate to do the same. Or else your car could become uninsured during the most critical periods. Maintaining up-to-date records and documentation is of the essence; missing documents may trigger unwarranted delays in the processing of claims.<br /><br />

Facing vehicle damage during heavy rains? Here's how motor insurance can come to your rescue

Category 5 hurricane leaves Caribbean islands bare, flooded, and damaged

<ul class="summary-list"><li>At least 62 people have been killed in the worst flooding to hit Spain in decades.</li><li>Flash floods are becoming more common and more intense due to global warming.</li></ul><p>At least 62 people have been killed and many more are missing in the <a target="_blank" class="" href="https://www.businessinsider.com/spain-flooding-51-dead-in-valencia-region-economic-hub-2024-10">worst flooding to hit Spain in decades</a>.</p><p>Torrential rain hit parts of the country on Tuesday, cutting off main roads, delaying flights, and damaging homes.</p><p>The rain was the result of a weather phenomenon known as a cold drop, in which cold air moves over warm water.</p><p>The warm air then rises rapidly, leading to the formation of huge cumulonimbus clouds capable of releasing violent downpours that can devastate towns and cities.</p><p>Such extreme weather events have a huge human and economic cost — and scientists believe global warming, combined with the way humans have developed the natural landscape, will only make the problem worse.</p><h2 id="971184fb-8d33-48d1-979d-6445b6e539be">The cost of extreme weather</h2><p>Estimates for the economic costs of extreme weather and flooding vary, but many tend to agree that they are on the rise.</p><p>According to the European Environment Agency, extreme weather in Europe caused economic losses of assets estimated at more than $800 billion between 1980 and 2023.</p><p>Last year, a study by <a target="_blank" class="" href="https://www.theguardian.com/environment/2023/oct/09/climate-crisis-cost-extreme-weather-damage-study">Victoria University of Wellington in New Zealand</a> said the damage caused by the climate crisis through extreme weather has cost $16 million an hour for the past 20 years.</p><p><a target="_blank" class="" href="https://www.weforum.org/agenda/2023/01/extreme-weather-economic-cost-wef23/">The World Economic Forum</a> calculated that the cost of extreme events had increased nearly eight times globally, inflation-adjusted, since the 1970s.</p><p>The impact of flash flooding can be particularly severe because, often, there is very little warning.</p><h2 id="8409be50-c212-466d-bbd2-62c416ac5204">Flash flooding in dry areas</h2><p>Flash floods are <a target="_blank" class="" href="https://www.businessinsider.com/what-is-flash-flood-warning-how-to-stay-safe-vermont-2023-7">different from regular flooding</a> because they develop quickly, in the span of a few hours or even minutes.</p><p>They can be far more devastating in dry areas because parched soil tends to repel water rather than allow it to soak in.</p><p>That means surges can result from as little as 10 millimeters in just one hour, according to a<a target="_blank" rel="noopener noreferrer" class="c-link" href="https://affiliate.insider.com?h=3735d139977ac068c02d638e81b04695e0ab6b1d06970add3b44fafb88d52e11&amp;postID=6722014ce5b5408300715e9a&amp;postSlug=flash-floods-spain-increasing-globally-experts-infrastructure-change-2024-10&amp;site=bi&amp;u=https%3A%2F%2Fwww.nature.com%2Farticles%2Fd41586-023-00626-9.epdf%3Fno_publisher_access%3D1%26r3_referer%3Dnature"> 2023 article in Nature</a>.</p><p>"Our analysis using the Emergency Events Database shows that, since 2000, such regions experienced less than half (47%) of deadly flash floods globally, yet saw almost three-quarters (74%) of related deaths," the authors wrote.</p><p>The same researchers found that the rate of dryland flash flooding around the world was 20 times higher between 2000 and 2022 than it was between 1900 and 1999.</p><p>Ernesto Rodríguez Camino, a senior state meteorologist and member of the Spanish Meteorological Association, said flash flooding is becoming more frequent, a trend which is set to continue because of the damaging effects of global warming.</p><p>"Events of this type, which used to occur many decades apart, are now becoming more frequent, and their destructive capacity is greater," he said.</p><h2 id="c6269754-7554-446d-a63e-b8d93fdbfdc3">Why are there more flash floods?</h2><p>The Environmental Defense Fund (EDF), a US-based nonprofit, <a target="_blank" class="" href="https://www.edf.org/why-are-floods-hitting-more-places-and-people">said</a> flash flooding has intensified because of increased rainfall and heat waves.</p><p>The rise in the world's average surface temperature — which was more than 2 Degrees Fahrenheit warmer in 2020 than it was 100 years ago — has resulted in more moisture and clouds in the air, the organization said.</p><p>According to the EDF, modern infrastructure, including buildings, roads, and sidewalks, has eliminated natural landscape features that would have slowed flooding in the past.</p><p>It added that stormwater systems designed to protect buildings are often too old and not vast enough to handle the increasing amount of major weather events caused by global warming.</p><p>Additionally, houses are continuing to be built in areas that are prone to flooding, the organization said.</p><p>The <a target="_blank" class="" href="https://www.who.int/health-topics/floods#tab=tab_1">World Health Organization</a> (WHO) said people who live on floodplains or in buildings without flood protections or warning systems are most vulnerable.</p><h2 id="283c598d-eb50-4251-afb8-e7fbf0cb4832">What can be done?</h2><div type="image" title="Emergency workers clear debris the morning after heavy rains and flash floods hit the area on October 30, 2024 in Letur, Albacete province, Spain" height="3333" width="5000" msid="114787520" hostid="261" sizebytes="2262486"></div><p>Non-environmental factors, such as new infrastructure and better weather warnings, can help prevent the impact of flash flooding.</p><p>Jess Neumann, an associate professor of Hydrology at the University of Reading, said that a long-term solution would involve the "radical redesign of urban areas."</p><p>"Flash floods can affect anyone, anywhere. We take preparation for other hazards such as earthquakes and tsunamis very seriously with education, drills, and emergency kits," she said. "It is time we afforded the same to flood risk preparedness."</p><p>John Marsham, a professor of atmospheric science at the University of Leeds, agrees with Neumann's assessment.</p><p>"Our entire infrastructure and civilization are based around a climate that no longer exists," he said, adding that some locations are becoming more difficult to insure against flood damage.</p><p>Some cities are already considering better precautions for extreme weather events. For example, in 2022, the US Army Corps of Engineers unveiled its proposal to build a <a target="_blank" class="" href="https://www.nytimes.com/2022/09/26/nyregion/storm-project-new-york-harbor-flooding.html">$52 billion moveable sea barrier</a> along the New York Harbor to protect against storm surges.</p><p>These protections would also allow local economies to recover faster.</p><p>The EDF reported that the average flood event from excessive rainfall in the US costs around $4.7 billion.</p><p>Marsham and Liz Stephens, a professor in climate risks and resilience, said that local governments should also implement stronger warnings about the risks of flash flooding to prevent death and injuries.</p><p>"People shouldn't be dying from these kinds of forecasted weather events in countries where they have the resources to do better," Stephens said.</p>

Flash floods are a worsening scourge worldwide — here's why

<ul class="summary-list"><li>Spain's eastern province of Valencia was hit by intense, historic rainfall.</li><li>51 people were killed in flash floods in the province.</li></ul><p>Historic flash floods in eastern Spain killed 51 people and roiled the region.</p><p>The floods, brought about by torrential rains, killed 51 in the province of Valencia, regional emergency services <a target="_blank" href="https://x.com/GVA112/status/1851541597092999643">said</a>, citing a provisional death toll.</p><p>Though heavy rains are common in the region in fall — part of a phenomenon known as "cold drops" — this one was extreme.</p><p>According to Spain's State Meteorological <a target="_blank" href="https://x.com/AEMET_CValencia/status/1851494356521271313?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1851494356521271313%7Ctwgr%5E525da56094d9d8f9387e40796aa4f86c244670c4%7Ctwcon%5Es1_&amp;ref_url=https%3A%2F%2Fcadenaser.com%2Fnacional%2F2024%2F10%2F29%2Fconsecuencias-de-la-dana-en-espana-en-directo-ultima-hora-de-las-inundaciones-desaparecidos-y-problemas-en-los-trenes-ave-cadena-ser%2F">Agency</a>, it was a historic storm, the worst of the 21st century and more severe than anything since 1987.</p><p>Images and videos from the region showed brown water surging through fields, blocking roads, and hitting some built-up areas.</p><div type="image" title="The roof of a car submerged in water following floods is pictured in Picuana, near Valencia, eastern Spain, on October 30, 2024." height="1296" width="2000" msid="114776446" hostid="261" sizebytes="105062"></div><p>The flooding seemed not to strongly hit Valencia, the regional hub and Spain's third-largest city.</p><p>Per <a target="_blank" href="https://www.investinspain.org/en/regions/comunidad-valenciana/industrias-destacadas#:~:text=Automotive%2C%20machinery%20and%20capital%20goods,concentrates%2024%25%20of%20regional%20exports.">a Spanish government briefing</a>, the auto industry is the most significant in Valencia province. It also mentioned chemicals, manufacturing, agri-food and IT.</p><p>It was not immediately clear whether particular industries or companies had been strongly affected by the floods.</p><p>Valencia's government advised against road travel in the province due to "heavy" rain warnings in <a target="_blank" class="" href="https://x.com/GVA112/status/1851506499224314148?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1851506499224314148%7Ctwgr%5E525da56094d9d8f9387e40796aa4f86c244670c4%7Ctwcon%5Es1_&amp;ref_url=https%3A%2F%2Fcadenaser.com%2Fnacional%2F2024%2F10%2F29%2Fconsecuencias-de-la-dana-en-espana-en-directo-ultima-hora-de-las-inundaciones-desaparecidos-y-problemas-en-los-trenes-ave-cadena-ser%2F">alert texts</a> sent to residents in the early hours of Wednesday, local time.</p><p>In an <a target="_blank" class="" href="https://x.com/oscar_puente_/status/1851415872843215275?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1851415872843215275%7Ctwgr%5E525da56094d9d8f9387e40796aa4f86c244670c4%7Ctwcon%5Es1_&amp;ref_url=https%3A%2F%2Fcadenaser.com%2Fnacional%2F2024%2F10%2F29%2Fconsecuencias-de-la-dana-en-espana-en-directo-ultima-hora-de-las-inundaciones-desaparecidos-y-problemas-en-los-trenes-ave-cadena-ser%2F">X post</a> on Wednesday, Spain's transport minister said there would be no train service on the railway line connecting Valencia to Madrid, the Spanish capital, until at least 10 a.m. local time.</p><p>On Tuesday, Spain's Prime Minister Pedro Sánchez <a target="_blank" class="" href="https://x.com/sanchezcastejon/status/1851334094535131602">said</a> he was closely following reports of missing people and damage caused by the storm and that all emergency services were being dispatched in response to the storm.</p><p><span>In an X </span><a target="_blank" rel="noopener noreferrer" class="c-link c-link--focus-visible" href="https://x.com/mjosecatala/status/1851561473631191545">post</a><span> on Wednesday, Valencia city mayor said the province is facing one of the "most difficult and painful" moments in its history.</span></p>

Spain hit by flash floods that killed 51 people and roiled an economic hub

Over the next week, super heavy showers are set to hit the Indian subcontinent, especially in the states of Tamil Nadu, Kerala, South Interior Karnataka, Konkan and Goa, Madhya Pradesh, Maharashtra, Arunachal Pradesh, and Gujarat, the IMD (<keyword id="19963725" type="General" weightage="20" keywordseo="Indian-Meteorological-Department" source="keywords" meta.keywordsubtype="org" meta.entityname="Indian Meteorological Department" meta.hostid="261" meta.entityid="Indian Meteorological Department">Indian Meteorological Department</keyword>) has predicted. <br /><br /> Yesterday, India's financial capital, Mumbai was hit by a surprise, albeit hefty deluge of rain. Consequently, a yellow alert was issued for Thane, Pune, Palghar and other areas near to Mumbai. <br /><br />Between October 13-16, very heavy rainfalls are also expected in Kerala, Tamil Nadu, Andaman and Nicobar Islands, Gujarat and Andhra Pradesh. It's no secret that incessant rains also bring about significant economic damages. As seen very often in the past, a constant barrage of torrential rains can also quickly create a flood-like situation, which can wipe away houses, vehicles and everything that comes in its way.<br /><br />Per media reports, the average economic impact on India due to <keyword id="19912527" type="General" weightage="20" keywordseo="floods" source="keywords">floods</keyword> between 2011 and 2021 has been a staggering Rs 25,805 crore. <br /><br />Imagine this-your entire se is flooded. Water has seeped into everything—your walls, furniture, and even the plumbing. Without a <keyword id="22058670" type="General" weightage="100" keywordseo="home-insurance" source="keywords">home insurance</keyword>, you'll have to spend a hefty amount towards repairs and to get your life and home back on track. <br /><br /><h2>Getting your home insured</h2>So, if you are wondering how to protect your hard earned material but immovable assets like house, the answer is right in front of you- Home Insurance. <br /><br />Says Dilip Baba, Head of Commercial and Speciality Underwriting, Go Digit General Insurance, "People usually spend their entire life savings on purchasing a home. However, people rarely think about how to protect their investment. By investing in the safety of home insurance, you can enjoy peace of mind knowing that your property is covered in case of unforeseen events.<br /><br />With home insurance, you can opt for three types of coverage-structure, content and comprehensive. <br /><br />While structure simply insures the physical, immovable formation of your house (walls, roofs), content coverage goes a step ahead and takes care of damage caused to your movable items like furniture, electronics and other items due to natural calamities, theft and more, up to a certain limit. This can also include any valuable artwork or antiques, or additional installation like solar panels you might have at your home. <br /><br />A comprehensive home insurance brings together both structure and contents in its insurance ambit. Having a home insurance can not just protect you from natural calamities like floods, but also from unforeseen events like theft, fire and more. The annual premium of a home insurance policy can range between Rs 2,000 to Rs 10,000 depending on the type and extent of coverage taken.<br /><br />Before buying a policy, be sure to clarify whether it offers actual cash value, which considers depreciation, or replacement/reinstatement cost, which covers the full replacement without depreciation deductions.<br /><br />To be on the safe side, you can also choose additional covers like accidental death insurance, or rent coverage, if you lose out on rental income due to damage caused to your property. You can use the carpet area of your house to get a sense of your home insurance requirements. Other covers you can opt for include valuable contents (on agreed value basis under home contents cover), additional living expense cover, tenant liability insurance, among others.<br /><br />Says Amit Bhandari, Chief Technical Officer at Magma HDI General Insurance, "When selecting a policy, it’s crucial to assess the unique risks that your home may face, particularly if you live in an area susceptible to <keyword id="19922196" type="General" weightage="20" keywordseo="natural-disasters" source="keywords">natural disasters</keyword>. You should tailor your coverage to address these risks while considering premium reduction strategies, such as excluding unnecessary coverages".<br />

Heavy rains to lash across the country between Oct 12-16, here's how you can insure your home from rain's fury

As festival season rolls around, many people are excited about purchasing an <keyword id="19906970" type="General" weightage="20" keywordseo="electric-vehicle" source="keywords">electric vehicle</keyword> (EV) not just for the eco-friendly benefits but also for the attractive discounts. With the growing popularity of EVs — a third of car-aspirants plan to buy an EV this year, reveals a Way2News survey — one lingering concern that might cross your mind is the risk of the car catching fire. While EV fires are rare, they can still happen under certain conditions, so it's essential to understand the risks and know how to prevent them.<br /><h2>Why do they burn?</h2>First and foremost, EV fires are most commonly linked to the lithium-ion batteries that power these vehicles. When an EV is involved in a crash, or if its battery is physically damaged in any way, there is a risk of what is known as "<keyword id="19981370" type="General" weightage="20" keywordseo="thermal-runaway" source="keywords">thermal runaway</keyword>." This happens when heat inside the battery cannot dissipate quickly enough, causing the cells to overheat and, in rare cases, ignite. <br /><br />Thankfully, EV manufacturers extensively test vehicles to minimise this risk, and incidents are exceedingly rare. In fact, statistics show that electric car fires are significantly less frequent than fires in internal combustion engine (ICE) vehicles. A study from Sweden's Civil Contingencies Agency found that only 0.004% of EVs caught fire in 2022, compared to 0.08% for ICE cars.<br />  <div type="Article" hostid="261" msid="113816837" title="PM E-DRIVE scheme with ₹10,900 crore outlay announced for electric vehicles" mstype="2" mssubtype="0"></div>As such, the ambient temperature can also play a significant role in the safety and performance of EV batteries. Extreme heat can be particularly dangerous, as it increases the likelihood of the battery cells overheating and entering thermal runaway, which may lead to a fire. High temperatures can accelerate the chemical reactions within lithium-ion batteries, making them more prone to malfunctions.<br /><br />Therefore, it is important to avoid exposing your EV to prolonged high heat, such as parking it under direct sunlight for extended periods, especially in regions where temperatures soar during the summer. Regular maintenance of the battery's cooling system is also critical, as it ensures the battery stays within a safe operating range, preventing overheating and extending the battery's lifespan<br /><h2>Charging and flooding</h2>Another key risk comes from improper charging practices. Overcharging the battery, or using poorly regulated, non-certified charging stations, can cause the battery to overheat. It's crucial that EV owners use certified, high-quality charging stations and follow manufacturer recommendations to avoid overloading the system. Many modern EVs come with software that automatically stops charging once the battery is full, but it’s always a good idea to avoid prolonged charging beyond the battery's capacity.<br /><br />Water exposure can also be hazardous for EVs, particularly in flood-prone areas. While most EVs are designed to handle a fair amount of moisture, saltwater exposure, such as during coastal floods, can create serious problems. Saltwater can corrode the battery and create short circuits, which might lead to fires long after the vehicle has been submerged.<br />  <div type="Article" hostid="261" msid="113857238" title="Ron DeSantis said EVs could catch fire if caught up in Hurricane Helene. Experts say he&amp;#39;s right — and that you should take these steps to protect yourself." mstype="2" mssubtype="0"></div>In the aftermath of Hurricane Ian, for example, there were reports of submerged EVs catching fire even days after the floodwaters receded. If you live in an area prone to flooding, take extra precautions by parking your EV in a sheltered area, and if your car has been exposed to water, have it inspected immediately.<br /><h2>Those annoying software updates are important!</h2>It’s also important to stay updated on any recalls or software updates. EVs, like any other technology, may occasionally be subject to recalls due to manufacturing defects or safety concerns. Being proactive in checking for recalls can prevent potential issues from becoming dangerous. For instance, some EV models have had recall campaigns specifically to address battery-related risks, ensuring that any faulty cells are replaced before they pose a threat.<br />  <div type="Article" hostid="261" msid="113315022" title="Waiting for the festive season to buy an EV? Cabinet approves PM E-Drive subsidising most EVs, sans electric cars" mstype="2" mssubtype="0"></div>Finally, while EV fires may capture attention when they happen, it’s essential to keep them in perspective. Despite the fear surrounding them, EV fires are much less common than fires in gasoline-powered cars. The data shows that EVs are about 80 times less likely to catch fire than their gasoline counterparts.<br /><br />When considering an EV purchase, focus on the safety features and proactive measures in place to keep you and your vehicle safe. With proper charging, regular inspections, and staying informed, you can confidently enjoy the benefits of your new EV this festive season!<br />

Planning to purchase an EV? Here's how to ensure it never catches on fire

<ul class="summary-list"><li>Spain's eastern province of Valencia was hit hard by intense flooding last week.</li><li>The government has pledged $11 billion to help it recover, but local authorities want $34 billion.</li></ul><p>Spain said it will give about $11 billion to help restore Valencia after flash floods hammered the province last week — but local authorities there want three times that amount.</p><p>Historic, deadly flash floods — brought about by torrential rainfall — hit the area last week, killing at least 211, regional emergency services <a target="_blank" class="" href="https://x.com/GVA112/status/1853698255730942163">said</a> on Wednesday.</p><p>Spain's State Meteorological <a target="_blank" class="" href="https://www.businessinsider.com/spain-flooding-51-dead-in-valencia-region-economic-hub-2024-10">Agency</a> said last week that it was the province's most severe storm since 1987.</p><p>During a press conference on Tuesday, Spanish Prime Minister Pedro Sánchez said his government had <a target="_blank" class="" href="https://x.com/sanchezcastejon/status/1853796678265938374">approved</a> $11.55 billion in loans and grants to help storm and flood victims.</p><p>However, a day earlier, the province's president, Carlos Mazón, <a target="_blank" class="" href="https://x.com/carlos_mazon_/status/1853555363678728545">said</a> local authorities had asked for an initial package equivalent to about $34 billion.</p><p>"The measures will serve to rebuild, relaunch, and mitigate the effects" of the storm, Mazón told reporters.</p><div type="image" title="Satellite images of the Valencia province before and after flash floods on October 25, 2022 (left), and October 30, 2024 (right)." height="480" width="640" msid="114986283" hostid="261" sizebytes="62758"></div><p>On Saturday, Valencia's Chamber of Commerce <a target="_blank" class="" href="https://www.camaravalencia.com/noticias/informe-sobre-danos-provocados-por-la-dana-en-los-municipios-mas-afectados-y-consecuencias-sobre-la-actividad-economica/">estimated</a> that up to 4,500 businesses had suffered notable damage, with potentially 1,800 severely impacted.</p><p>The floods affected many economic sectors, including agriculture, industry, and services, it said.</p><p>Automaking remains Valencia's most <a target="_blank" href="https://www.investinspain.org/en/regions/comunidad-valenciana/industrias-destacadas?#nameRegion">important industry</a>.</p><p>Cristina del Rey, the communications director for Ford Spain, told BI last week that her company's Valencia plant had not suffered direct damage from the floods but was shut on Wednesday and Thursday.</p><p>According to a <a target="_blank" rel="noopener noreferrer nofollow" class="c-link c-link--focus-visible" href="https://fundacionaon.es/wp-content/uploads/2022/11/BAROMETRO-DE-CATASTROFES-2021.pdf"><u>report</u></a> from the Aon Spain Foundation, a private foundation that works to prevent and assist with natural disasters, the annual cost of natural disasters in Spain between 2016 and 2021, including floods, was between $940 million and $2.5 billion.</p><p>Local authorities on Sunday <a target="_blank" class="" href="https://x.com/GVA112/status/1853692672327721128/photo/1">said</a> that the heavy rains — part of a phenomenon known as "cold drops" — had caused "unprecedented" damage to infrastructure and human life.</p><p>The provisional death toll put it among the most serious natural disasters in Western Europe in recent years. Widespread flooding in July 2021 killed more than 200 people in Belgium, Germany, and surrounding countries.</p><p>At a <a target="_blank" class="" href="https://x.com/i/broadcasts/1ynJODVpRdXxR">press conference</a> on Tuesday, Sánchez declared Valencia a disaster area, paving the way for extra funding for local authorities.</p><p>He said about 15,000 soldiers and police officers had been dispatched to the province, as well as 287 forest brigaders, around a hundred customs officers, 44 forensic physicians, and 600 specialized vehicles for pumping, cleaning, and supplying the affected areas.</p><p>Sánchez added that 98% of affected households now had power, and about 25 miles of roads and 46 miles of railway tracks had been repaired.</p><p>"We must continue working with more resources, more coordination, and greater effort until normality returns to all the municipalities and to all the homes affected by this tragedy," he said.</p>

You Searched For "flood damage" and got 9 results

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Spain hit by flash floods that killed 51 people and roiled an economic hub

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Heavy rains to lash across the country between Oct 12-16, here's how you can insure your home from rain's fury

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Planning to purchase an EV? Here's how to ensure it never catches on fire

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Counting the cost of Spain's hellish floods, the government pledged $11B, local officials want $34B

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