How Do You Protect Important Documents Before a Flood?

Begin by listing the papers you truly cannot replace. Vital records like identity documents, social security cards, passports, marriage licenses, property deeds, vehicle titles, and insurance policies are the usual priorities. Also include wills, medical records, tax returns, and any legal agreements that affect your family.

Once you have your list, collect the originals in one place. A dedicated folder or envelope works well for this step. This makes it easier to grab everything quickly if you need to evacuate, and it also helps you see exactly what you have and what might be missing.

• Identity documents and social security cards
• Passports and driver's licenses
• Property deeds and vehicle titles
• Insurance policies and wills
• Tax returns and medical records
• Bank and investment account statements

For physical copies, a waterproof and fireproof safe is a solid choice. Place the safe on a high shelf or an upper floor, since floodwaters usually rise from the ground. Alternatively, a safety deposit box at a bank offers strong protection, though you need to plan for access during an emergency.

If you cannot buy a safe right away, use heavy-duty zip-top bags and a plastic storage bin. Wrap each document in a plastic sheet protector first, then seal it in the bag. This offers basic protection against moisture and minor flooding, but it is not a permanent solution.

Flood protection is not a one-time task. Review your document list and storage setup at least twice a year, such as when you change your clocks for daylight saving time. Check that your safe is still in good condition and that your digital files are accessible.

If you live in Chapel Hill, make a habit of updating your records after major life events like a marriage, a home purchase, or a new job. Also confirm that your safety deposit box information is written down somewhere you can find it, and that a trusted person knows where your originals are stored.