Even if you live far from fault lines and flood plains, most areas aren’t impervious to natural disasters such as lightning strikes and tornadoes. In fact, research indicates that natural disasters are growing more severe and costing more.

If the unthinkable were to happen, do you have a plan to recover financially?

First, if you haven’t already, make sure to get the right insurance assistance to protect your home, car and other assets you might lose should disaster strike.

While it’s smart to attend to details like backup generators and escape routes, don’t neglect another important preventative step by ensuring your emergency fund is also well-stocked. A little financial planning could easily save you a lot of money down the road.

Finally, if you haven’t already, set up a financial record-keeping system so that you can quickly and easily locate all of your important documents, such as insurance policies and contact information for your insurance agent.