Check your coverage. Your disaster recovery plan should also make sure you've got enough insurance — and the right kinds — to rebuild. The last thing you want is to find out that your homeowners' or rental insurance policy is lacking after you've lost it all.
One of the most common problems: not having enough insurance. "Do you have an insurance policy that reflects the present value of what's in your home?" said Leonard Wright, a CPA based in San Diego, and the "Money Doctor" at the American Institute of CPAs' website.
You may have bought your policy years ago and never bothered to update it. The policy may no longer provide enough coverage to replace your home and its contents. "Construction costs increase, permitting costs increase," Wright said.
Another common misstep is a lack of flood coverage. Most homeowners insurance policies cover wind damage from hurricanes and other storms, but water damage from storm surges and floodwaters is typically excluded. You'll need a separate flood insurance policy from the National Flood Insurance Program or another provider to cover that.
Don't forget about the pricey items you've acquired over the years, like electronics, furniture and jewelry. It might be hard to replace them without a good home inventory, which needs to include descriptions, photos, serial numbers and receipts.
An online home inventory service like Know Your Stuff can walk you through which items to inventory, room by room. Your insurance company might also have its own mobile app for inventory that lets you walk around your house snapping photos and cataloging your items.
"If you're well documented, it's going to be much easier to go to your insurance company and file a claim," Wright said.