Last Updated on June 22, 2025 by The Insurance Pros

Organizing Your Emergency Documents in Michigan: 2025 Guide

Would anyone know where to find your essential documents if you were incapacitated? Organizing your records now can save time, money, and stress during a medical crisis, weather disaster, or legal emergency.

📦 Where to Store Emergency Documents

Avoid shoeboxes and cluttered drawers. Choose secure, fire- and water-resistant options.

• A home safe or lockable fire-security box
• A bank safe deposit box for less urgent originals
• Encrypted off-site or cloud storage

According to the FTC and Ready.gov, it’s best to keep originals in protected storage and maintain digital copies in the cloud for quick access during emergencies.

👥 Who Should Know About Your Records?

Choose a trusted person such as a spouse, attorney, CPA, or responsible family member who knows

• Where your documents are stored
• How to access the safe, passwords, or cloud backups

Keep a private, written list of locations and access methods. This step prevents delays when time matters most.

📄 Essential Documents to Include

• Safe deposit box key, passport, driver’s license, ID cards
• Medical history, prescriptions, and medical POA
• Insurance policies (auto, home, life, health) with agent contacts
• Deeds, vehicle titles, mortgage and loan paperwork
• Bank, investment, and retirement account information
• Wills, funeral directives, and burial arrangements
• Birth, marriage, and divorce certificates
• Legal court documents (e.g., custody orders, guardianship)

📱 Backup Digitally for Secure Access

Use cloud platforms like Google Drive or Dropbox with encryption enabled, or store files on a password-protected USB. Include login instructions in a secure place. This approach protects you even if physical documents are lost or destroyed.

📆 When to Review and Update

Review your records each year or after major life changes like

• Moving to a new home or job
• Marriage, divorce, or new dependents
• Purchasing or selling large assets
• Policy or insurance changes

Be sure to update cloud copies and printed records and let your trusted contact know what’s changed.

🔗 Michigan Emergency Planning Resources

For comprehensive disaster prep, visit Ready.gov and explore kits, communication plans, and family planning tailored for Michigan’s seasonal risks.

📣 Final Thoughts

Although we cannot predict emergencies, preparation is crucial. Create a folder, list your trusted contacts, and schedule a yearly review. Your future self and your loved ones will be grateful you did.