It's important to have a plan in case of a power cut, especially when it comes to heaters and chillers. Shortie's suggestion of investing in a backup generator is a good one, as it provides a reliable source of power in the event of an outage. However, if a generator is not an option, there are still things that can be done to protect the fish.
One approach is to insulate the tank as much as possible to help maintain the temperature. This can be done by using materials such as blankets or towels, or by using a product specifically designed for aquarium insulation. Another option is to have a backup battery-powered air pump to ensure sufficient oxygen levels in the tank.
It's also important to monitor the temperature during a power cut, as it can drop rapidly in a short period of time. Having a thermometer on hand, and checking the temperature frequently, can help prevent any major temperature swings that could harm the fish.
Ultimately, the best course of action will depend on the specific circumstances and resources available. However, being prepared and having a plan in place can go a long way in protecting the fish and minimizing any damage during a power cut.