How Natural Disasters Stress the Need for Estate Planning

Being prepared for a natural disaster means having a well-stocked supply closet: extra toilet paper, clean water, batteries, and other necessities. But being prepared also means having an estate plan.

Get peace of mind with a comprehensive estate plan

Trustpilot star rating bar
how natural disasters stress the need for estate planning

Contents

Updated on: January 28, 2025
Read time: 4 min

Natural disasters create a lot of stress and uncertainty in life. While no one can ever fully prepare for these events, having an estate plan in place can provide some peace of mind. If you are no longer able to make decisions for yourself due to illness or injury or if you were to die, your loved ones won't be burdened with decision-making and/or dealing with your estate without knowing your wishes.

How natural disasters stress the need for estate planning.

What is estate planning?

Your estate plan will provide direction for your loved ones as well as help avoid tying up your financial assets in probate court, which can take a good deal of time as well as money. "Estate planning is a set of written directions that say, 'if I'm incapacitated, here is who I want to make medical and financial decisions for me," says Sherri Stinson, Esq., an estate attorney. "If I'm dead, here's who I want to inherit what I own in the way that I want them to inherit it.'"

Stinson says that estate planning helps give the owner of the estate a sense of control as well as helps prevent arguments among your family. She says, "Putting your wishes in writing is a way to giving clear instructions about your intent. Putting your health care and financial wishes in writing mean that nobody has to guess about what you wanted to happen."

Who should have an estate plan?

Whether you are a young person with no children and very few assets or midlife with considerable wealth, many properties, and a number of grandchildren, you should have an estate plan. Somita Basu, an estate planning and probate attorney with NortonBasu LLP, recommends that, while many people don't think they need an estate plan because they don't own much, everyone should have an estate plan of some kind.

"Estate planning is about leaving what you own to whomever you want," Basu says. "If you don't have an estate plan, the state has one for you, but chances are you won't like it. An estate plan can help you avoid probate, plan for estate tax complications, and make the transfer of your assets a smooth process for your loved ones at a difficult time."

Additionally, Basu advises estate planning for all due to the possibility of serious illness or injury. "A comprehensive estate plan [a living trust or last will, a power of attorney, and an advance healthcare directive] can protect you in case of incapacity [due to a medical emergency or dementia] as well as protect your family in case of death," she says. "Especially during times of crisis, having your affairs in order can bring peace of mind."

What should be included in an estate plan?

An estate plan should include all financial directives, medical treatment planning, and if you have minor children, directions on guardianship for them. Your estate planner should walk you through an estate planning checklist to help you gather any necessary documents in addition to compiling an inventory of your possessions and assets.

John Bodrozic of HomeZada, a digital home management company, suggests that without a home inventory, people often don't realize what they own. "Most homeowners do not have a home inventory. Many people have not itemized their personal property as it relates to their estate plan on how they want their property distributed at the end of their life," Bodrozic says. Using a home inventory app such as HomeZada can help you in estate planning.

Stacy Hanley, an estate planning lawyer for Lefkoff-Duncan, knows that natural disasters provoke fear and anxiety. She says, "If you do not have an estate plan in place, then you are left vulnerable to this fear and anxiety. But taking steps to protect ourselves and our loved ones though estate planning is something we can control."

Hanley recommends the following documents be included in your estate plan:

Will: A will is a legal declaration in writing of an individual's intention regarding the property of that individual after his/her death. A will may also include the appointment of a guardian for minor children. An alternative to a will is a living trust. While a trust is a bit more complicated to set up and maintain, it can avoid the potential delays and added costs of probate court.

Power of attorney: Under a power of attorney, you can designate someone to act in your name and exercise your rights with respect to any property you own. This is beneficial if you become incapacitated.

Advance directive for health care: Under an advance directive for health care, you can delegate to someone of your choice the power to exercise virtually all rights you have to accept or reject medical care. Then, if you are incapable of indicating your intent, your physician may rely on the power holder to make all medical decisions, including the power to continue or terminate life support systems.

Having an estate planner walk you through an estate planning checklist so that you can gather the necessary information and documentation will help ease your mind in the event of a natural disaster or illness. Doing so before disaster strikes will save you needless stress and worry.

Get peace of mind with a comprehensive estate planStart my estate plan
Twitter logoFacebook logoLinkedIn logoReddit logo

This article is for informational purposes. This content is not legal advice, it is the expression of the author and has not been evaluated by LegalZoom for accuracy or changes in the law.

67 days ago
Trustpilot star rating bar

legal zoom is the way to go

The representative was very knowledgeable about how long it takes to transfer a deed from one person to the next he explained everything and he was very pleasant when speaking to him

Ross
67 days ago
Trustpilot star rating bar

I find that LegalZoom has all the…

I find that LegalZoom has all the answers if you're starting a business an LLC and incorporation or you're doing a trust or a Will. These are the people you want to trust don't go to an expensive attorney you're just throwing your money away. Legal soon gets five stars!

Sean Christopher
67 days ago
Trustpilot star rating bar

I spoke to the representative today about a Trust...

I spoke to the representative today regarding a question about an existing Living Trust. She was very helpful - told me exactly what I needed to know and how to accomplish it. As a representative in the Financial field I guide clients all the time on where to get documents done right - and its always LegalZoom - easy and effecient!

Gareth
76 days ago
Trustpilot star rating bar

We could not be more Pleased with the…

We could not be more Pleased with the help and service we had during the up dating of our Living Will and Advanced Directive

Richard Poulton
79 days ago
Trustpilot star rating bar

Legal Assistance for the rest of us

Legal Zoom has made it easy and affordable for us to create an LLC, a Will, and a Trust for our families.

K Chapman
82 days ago
Trustpilot star rating bar

pleasant and willing representatives…

pleasant and willing representatives ready to help me navigate through your system and supply attorney contact information for my legal questions for my last will & testament

Mark Impink
82 days ago
Trustpilot star rating bar

LegalZoom .com has exceptional, real, staff to help. I met one!

I purchased multiple accounts to update both our Living Wills and Estate Plans. After utilizing LegalZoom.com’s user-friendly and intuitive platform for these legal documents, I found it necessary to call for clarification on some information within our account. I spoke with Sandra Balderas, who expertly addressed the mistakes I had inadvertently made. Her professionalism and friendliness greatly enhanced the experience. I realized that LegalZoom is not only a straightforward website to navigate for such complex matters, but it also boasts exceptional employees. Thank you, LegalZoom.com, and especially Sandra Balderas, for guiding me through the process. I’m thrilled to have discovered LegalZoom.com.

Max -Phoenix, Arizona
82 days ago
Trustpilot star rating bar

Sarah was most helpful today regarding updating my estate plan

Sarah was most helpful today regarding updating my LZ docs created 3 years ago. She made sure I had all the information I needed, not just what I asked for. Thank you Sarah!

Diane Floyd
88 days ago
Trustpilot star rating bar

Quick and easy experience creating a…

Quick and easy experience creating a will package.

Kristin Steel
93 days ago
Trustpilot star rating bar

Used them past 10 years

Used them past 10 years. I needed another will and power of attorney.

MERLYN C
93 days ago
Trustpilot star rating bar

Tammy was wonderful and very…

Tammy was wonderful and very knowledgeable. It's because of her that I am going to open a living trust with legal zoom. She was great. Thank You

Erin
101 days ago
Trustpilot star rating bar

Pleasant Experience

Patience and weel given explanation about the process of how a "Living Trust" & "Deed" works after transitioning and guidance on how to contact an attorney whenever I need legal advice.

Sharron Martin
103 days ago
Trustpilot star rating bar

It was a breeze to deal with Legalzoom…

It was a breeze to deal with Legalzoom and finished my estate plan within an hour!! Thanks again

BT
107 days ago
Trustpilot star rating bar

Great team…

Mark and Legal Zoom make estate planning affordable and attainable.

Christopher Maginnis
139 days ago
Trustpilot star rating bar

Living Will & Forming my LLC

I have used Lega Zoom for several items, including my living will and items to form my LLC for my business. It's fast, easy, and thorough. The customer service is fantastic! I am working with David on a few items for my will,l and he has been a delight. He follows up when he says he will and is incredibly helpful. I highly recommend this company.

Kristen J
151 days ago
Trustpilot star rating bar

Nadia made it very easy for me to make…

Nadia made it very easy for me to make a decision to sign up and create my estate planning documents with legalsoom. She was very professional and knowledgeable about the package that I chose. She also offered her direct contact for any future questions I might have.

Melita D'Anna
160 days ago
Trustpilot star rating bar

Kylie helped me to review my history of…

Kylie helped me to review my history of trying to complete my estate plan and contacting a legal advisor that comes with my account. She was patient, knowledgable, and helpful.

Paula
164 days ago
Trustpilot star rating bar

I have worked with Mark Champ on… Last Will & Testament, Living Will, Quit Claim Deed

I have worked with Mark Champ on several documents I needed and every time he has provided me with every thing I needed and with so much graciousness and knowledge. It has always been such a pleasure working with Mark!!!!!!!!!!!!!

Cathy Donaldson
199 days ago
Trustpilot star rating bar

Most Dedicated Representative!

Patti Green was the most informative person in guiding me through the process of completing my estate plan . She was always there for me to answer my questions and give excellent advice . Also , she was very polite and considerate ! Legal Zoom is so fortunate to have Patti on their team . Thank you , Patti for all of your assistance and kindness !

Priscilla Page
277 days ago
Trustpilot star rating bar

Patti Green is GREAT!

Ms. Patti Green walked me through the Estate Planning process. She was very professional, patient and kind. Planning for when you are no longer here is very intricate and difficult. Working with Ms. Green helped give the assurance that I am doing the right thing for myself and loved ones.

TRINESSA
Rated4.6out of 5 based on23,809+ reviewson

Showing our favorite reviews