Beware of used cars flooded in Texas

Besides all the damage that it caused to homes, the recent flooding in Texas damaged 7,000 to 10,000 insured vehicles -- and that opens the door to the opportunity for dishonest used-car sales.

"Unfortunately, some of the flooded vehicles may be purchased at bargain prices, cleaned up, and then taken out of state where the VIN [vehicle identification number] is switched and the car is retitled with no indication it has been damaged," the National Insurance Crime Bureau said in a statement.

The NICB cautions that used-car shoppers should be vigilant in the weeks and months after a major flood. The agency recommends the following steps to ensure you don't end up with a flood-damaged used car.

• Select a reputable car dealer and use a VIN checker to ensure the car does not have a salvage title.

• Inspect the vehicle for water stains, mildew, sand or silt under the carpet, floor mats, headliner and dashboard.

• Inspect the upholstery and door panel materials for fading.

• Check for rust around screws in the center console area and areas water doesn't usually reach.

• Check for mud or grit in the spare tire compartment and in small crevices under the hood. Also look for rust and corrosion under the hood.

• Inspect the seat belt retractor for moisture, mildew or grime.

• Check to make sure the speakers work; door-mounted speakers will often be damaged in a flood.

• Pay close attention to the wheels; aluminum alloys may be coated in a white powder and show signs of pitting, small dimples in the material.

• Have a mechanic inspect the vehicle prior to purchasing it.

• Lastly, trust your instincts. If a deal sounds too good to be true, it probably is.