You say 'tought luck', I say 'contingency'

It's not that I don't know that it's gonna happen, it's just I don't know when. And the when just happened.
It's really about probability, at some point the probability would be high for certain incidents to occur.
So what do I do about it?
First of all there are lessons learned to note down and remember.
The next thing is to build in precautions or fool-proofing. Yes I just admit I'm a fool.
Last thing to take care of is damage control and re-establishing normal condition. Of course there's a cost linked to this and should be taken from the contingency fund which hopefully, is not equal to my bank account.