Tag: flood

From birth certificates to mortgage paperwork, floods can destroy important documents in an instant. While some records may be available in digital form, replacing certain documents is not always simple, even in the era of cloud storage. Here, Lee Insurance Agency LLC explains what to expect and how to prepare if your documents are damaged or lost in a flood.

Can You File an Insurance Claim for Lost Documents?

Most flood insurance policies do not cover the cost of replacing lost or damaged documents. This means that fees associated with replacing items like a birth certificate or other official records are typically not reimbursable under your policy. However, you can still file a claim for other property damaged by flooding, such as electronics, furniture, and appliances.

How to Protect Important Documents in North Carolina

Taking preventive steps can help reduce the risk of losing critical documents during a flood. Store important paperwork in a waterproof and fire-resistant safe or a secure, heavy-duty filing cabinet. While using standard storage boxes may be convenient, they often do not provide adequate protection against water damage.

It is also wise to create digital backups of essential documents. Scanning and securely storing files in the cloud or on external drives can provide an extra layer of protection. Keep in mind that some items, such as original deeds, legal documents, or irreplaceable family photographs, may still require physical preservation and extra care.

At Lee Insurance Agency LLC, we understand that flood insurance can feel complex, especially if you assumed it was included in your standard homeowners policy. If you have questions about coverage, costs, or how to better protect your valuables, our team is ready to help you make informed decisions.

Flooding is a major concern in North Carolina. Among other things, it can harm your home’s floors, carpets, walls, and electrical system. A flood may also damage or destroy appliances. Flood insurance often protects home appliances, but coverage varies depending on the policy, type of equipment, and circumstances.

Types of Insurance

If you have building flood insurance, it generally covers installed and/or major nonlaundry appliances. They include stoves, heat pumps, refrigerators, water heaters, dishwashers, and furnaces. Contents insurance protects most other appliances. It covers things like portable air conditioners, dryers, washing machines, and countertop microwaves. To protect all of your appliances, you’ll probably need building and contents insurance.

Coverage Exceptions

It depends on the specific policy, but flood insurance frequently excludes certain appliances and portions of the home. If you store spare equipment in a cellar or another area that’s at least partially underground, it might not be covered. Contents insurance may protect basement freezers, air conditioners, and laundry appliances if they’re plugged into electrical outlets and being actively used. Some policies exclude generators and/or dehumidifiers.

Types of Flooding

Flood insurance generally covers floods that happen when a body of water rises above its normal level or rain falls too quickly to drain adequately. Other kinds of flooding usually aren’t covered. Flood insurance doesn’t protect against things like roof leaks, burst pipes or other plumbing-related problems. In some cases, a home insurance policy will cover them.

If you’re searching for flood insurance that dependably covers your North Carolina home and its valuable appliances, the pros at Lee Insurance Agency LLC can assist you. Our independent agency will help you find a suitable policy and compare different options from multiple insurers. To contact Lee Insurance Agency LLC and get started, call 919-963-2059.