The car was flooded in the garage. Should the property compensate for the loss?

Legal analysis: compensation according to the situation.

1. The insurance company shall be responsible for the losses caused by natural disasters of the insured motor vehicle. In an underground parking lot like this, the car is damaged because of the accumulated water in the parking lot, which meets the claim conditions of car damage insurance. However, it should be noted that if the car enters the water and the owner tries to start the engine, resulting in engine damage, the insurance company has an exemption clause for engine loss.

2. In addition, paying parking fees to the property company forms a legal relationship with the property company. At this time, as a car keeper, it is obliged to predict the weather changes, foresee the damage and notify it in time, and then take necessary and reasonable risk removal, emergency rescue and remedial measures. If the property management company neglects to take precautions and fails to fulfill the necessary care or management obligations, thus causing damage to the vehicle, the property management company shall be liable for damages to the owner.

3. At the same time, the water inflow into the underground garage may also be related to the developer's design or construction not meeting the requirements. A very important facility in the underground parking lot is a drainage system, which can discharge the waterlogging disaster caused by the generally predictable rainstorm. If the drainage system can't meet the drainage needs at the beginning of the design, resulting in the damage of the underground garage water filling wheel, then the owner who has purchased the underground parking space can ask the developer to bear certain compensation liability according to the relevant laws.

Legal basis: Article 944 of General Principles of Civil Law of People's Republic of China (PRC), the owner shall pay the property fee to the property service provider as agreed.

If the property service provider has provided services in accordance with the agreement and relevant regulations, the owner shall not refuse to pay the property fee on the grounds that he has not accepted or does not need to accept the relevant property services.