GON Reader Question
Should I have an emergency binder and what should I include in it? Thank you very much.
-- Carol Anne Whitfield
Response from Maria Gracia
Hi Carol Anne,
In times of crisis or disaster, having essential information and documents readily available can make all the difference. Whether facing a natural disaster, medical emergency, or unexpected event, an emergency binder
serves as a vital tool for organization and preparedness.
So, to answer your question, yes...it is an excellent idea to have an emergency binder!
What is an Emergency Binder?
An emergency binder is a centralized collection of important documents, records, and information that is easily accessible in case of an emergency. It serves as a comprehensive resource that can help individuals and families navigate through challenging
circumstances with greater ease and efficiency.
What do you need to create one?
Looseleaf paper for writing down account numbers, etc. OR paper for your printer (preferable--because this is easier to update) to type information up, print it out, and insert it into your
binder What Should an Emergency Binder Contain?
Here are some
suggestions...
Personal Information:
Full names, birthdates, and social security numbers for all family members
Copies of driver's licenses, passports, and other identification documents
Contact information for family members, close friends, and emergency contacts
Medical information for family members, including blood types, allergies, and current medications
Copies of health insurance cards and policies
Financial Documents:
Bank account information (account numbers, routing numbers, etc.)
Copies of credit cards, debit cards, and investment account information
Mortgage or rental agreements, property deeds, and vehicle titles
Insurance policies (homeowners, renters, auto, life, etc.)
Recent tax returns and important financial statements
Legal Documents:
Wills, trusts, and powers of attorney.
Marriage certificates, divorce decrees, and child custody agreements
Copies of legal contracts and agreements (such as prenuptial agreements)
Vehicle registration and maintenance records
Emergency Plans and Contacts:
Emergency
evacuation plans and meeting points
Contact information for local emergency services (police, fire department, hospitals)
Instructions for accessing utility shut-off points
in your home
Household Inventory:
A detailed inventory of household items, including serial numbers and purchase receipts
Photos or videos of valuable possessions for insurance purposes
Home maintenance records and warranties for appliances
Important Records and Documents:
Birth certificates, adoption papers, and Social Security cards
Academic records (transcripts, diplomas, etc.)
Military service records and discharge papers
Any other essential documents specific to your situation
Technology and Digital Assets:
Passwords and login information for online accounts (banking, email, social media, etc.).
Instructions for accessing digital backups of important documents and
files
Tips for Creating and Maintaining Your Emergency Binder:
a. Keep your emergency binder in a secure, easily accessible location that
all family members are aware of, preferably a locked fireproof safe or filing cabinet. Be sure you, your spouse (if applicable), and one trusted relative who does not live with you has a key or combination to access if ever needed.
b. Regularly update your binder to ensure that all information remains current and
accurate.
c. Review and revise your emergency plans and procedures regularly to account for any changes in your circumstances.
By the way, if you're thinking
right now..."oh my goodness...that will take forever to compile"...yes, it's going to take a bit of time, but it will be time well spent.
Just handle a section a day until it's all together. Heaven forbid you need the information in it, imagine all the time it
would take to access what you need in an emergency if it's not all in one place. Having it together can bring you peace of mind (as well as peace of mind for your family members) and be a godsend in an emergency.
