{"id":21479,"date":"2025-03-24T09:31:24","date_gmt":"2025-03-24T13:31:24","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-us\/?p=21479"},"modified":"2025-03-24T09:31:26","modified_gmt":"2025-03-24T13:31:26","slug":"how-to-prepare-for-natural-disasters-increase-your-financial-resilience-in-case-the-unthinkable-happens","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-us\/insights\/how-to-prepare-for-natural-disasters-increase-your-financial-resilience-in-case-the-unthinkable-happens","title":{"rendered":"How to prepare for natural disasters: Increase your financial resilience in case the unthinkable happens"},"content":{"rendered":"\n

No one wants to consider the possibility of a natural disaster impacting their life, but with extreme weather events on the rise, the risks they pose are increasingly difficult to ignore.<\/p>\n\n\n\n

In 2024, the U.S. experienced 27 natural disaster events with economic losses exceeding $1 billion each, according to the National Centers for Environmental Information.1<\/sup> And these disasters\u2014from wildfires to hurricanes, tornadoes, earthquakes and floods\u2014disrupt more lives than you might realize: in FEMA\u2019s 2023 National Household Survey on Disaster Preparedness, 54 percent of people said a natural disaster had affected them or their family members.2<\/sup><\/p>\n\n\n\n

These statistics drive home the importance of being prepared both physically and financially for the unexpected. And while you can\u2019t prevent natural disasters from happening, there are a number of steps you can take to increase your financial resilience in case the unthinkable happens.<\/p>\n\n\n\n

In addition to planning for your physical safety, here are some financial must-haves to help safeguard your assets against natural disasters:   <\/p>\n\n\n\n

1. Insurance<\/h2>\n\n\n\n

Comprehensive insurance coverage is the first line of defense against potential losses, says Melissa Winn, a wealth strategist at RBC Wealth Management\u2013U.S. Make sure you understand all weather-related risks and vulnerabilities for your geographic area. There are interactive maps and tools, such as FEMA\u2019s National Risk Index <\/a>, that can help with this.<\/p>\n\n\n\n

Then, review your policies with your insurance agent, as they could be insufficient, incomplete or outdated. With your home or vacation properties, for instance, make sure coverage accurately reflects the current value, applies to different types of disasters (which may require riders or separate policies) and gives you sufficient compensation to rebuild if needed. If you own a business or have luxury vehicles, watercraft or valuable collections, make sure you have adequate coverage for those assets, too. A financial advisor can help you with that review.<\/p>\n\n\n\n

Additionally, long-term care, disability and life insurance<\/a> are important safety nets for worst-case scenarios. \u201cIf something happens to you, what will happen to the people around you?\u201d Winn asks. \u201cYou want to make sure your family is in the best-possible position if the worst happens.\u201d<\/p>\n\n\n\n

2. Estate planning<\/h2>\n\n\n\n

It\u2019s important for every family to have estate-planning documents in order, but in times of crisis, such as during a natural disaster, they become even more critical. A well-crafted estate plan helps prepare for the financial aftermath of a disaster by giving clear instructions for managing assets and responsibilities. It should include elements such as a revocable living trust, will, power of attorney, advanced health care directive, health care proxy and business succession plan. Knowing the important decisions have already been made can help minimize stress and confusion in times of chaos.<\/p>\n\n\n\n

Once those fully executed documents are in place, the question then becomes: where to keep them? One physical copy at home is not good enough, when they could be destroyed in a fire, flood, earthquake or other extreme weather event.<\/p>\n\n\n\n

\u201cKeep those documents\u2014as well as all important personal, medical, financial and legal records\u2014in more than one place, and have copies accessible enough that you can grab them and go,\u201d says Winn, who points out that your advisors and attorneys should also have copies on file. \u201cIt takes very little effort to get those documents digitized and put on an online platform.\u201d<\/p>\n\n\n\n

You should also have contact information for your medical, financial and legal advisors at the ready, loaded into your phone and even printed out in case of battery or connectivity issues.<\/p>\n\n\n\n

3. Liquidity<\/h2>\n\n\n\n

Let\u2019s say disaster strikes and you have to evacuate. Do you have enough cash on hand to take care of your family for an extended period of time?<\/p>\n\n\n\n

Even high-net-worth families\u2014whose wealth is often tied up in assets\u2014can find themselves in a cash crunch if they have not prepared for potential emergency liquidity needs.<\/p>\n\n\n\n

No matter your level of wealth, it\u2019s smart to keep some cash on hand<\/a>\u2014and a checkbook, too\u2014in case of widespread power outages that leave ATMs or credit cards inoperable. A common rule of thumb is to maintain enough liquidity to cover six to 12 months\u2019 worth of living expenses to get you through a transition period.<\/p>\n\n\n\n

One popular financial instrument some people assume can help them out with this is a home equity line of credit (HELOC). But don\u2019t be so sure, warns Matt Franks, head of wealth management lending at RBC Wealth Management\u2013U.S. Such credit availability is based on the assumed value of your home\u2014and if your neighborhood is swept up in a disaster, that home may be damaged or gone.<\/p>\n\n\n\n

\u201cThen the lender has no way of assessing what your home\u2019s value is, even if the last appraisal was just six months ago,\u201d Franks says. \u201cSo HELOCs often get shut down or limited. Relying on them for liquidity is imprudent at best.\u201d<\/p>\n\n\n\n

Instead, many wealth management firms offer short-term lending, at attractive rates, based on the value of your holdings. \u201cThink of it as a short-term bridge loan, which is generally what people need in times of natural disaster,\u201d Franks says. \u201cSecurities-based lending typically provides lower interest rates than other types of lending because the collateral is less risky.\u201d<\/p>\n\n\n\n

\u201cJust remember to borrow only what you need, not what you can,\u201d he adds.<\/p>\n\n\n\n

4. Record of belongings<\/strong><\/h2>\n\n\n\n

In the aftermath of disaster, you may have to deal with the unpleasantness of insurance claims. That\u2019s why you should take time now to assemble as many photo and video records as possible of your belongings, along with any documentation proving their value. That applies, in particular, to high-value items\u2014such as antiques<\/a>, artwork and jewelry\u2014which likely need their own insurance coverage beyond standard homeowner policies.<\/p>\n\n\n\n

Proactively documenting your valuables can help set you up for a smoother claims process and could increase your likelihood of receiving a favorable settlement.<\/p>\n\n\n\n

They can also serve a sentimental purpose: if your home is damaged or destroyed, photos and videos can help preserve the memory of your valued possessions.<\/p>\n\n\n\n

Don\u2019t wait to prepare<\/strong><\/h2>\n\n\n\n

While planning for \u201cwhat-if\u201d scenarios like natural disasters may not be high on your priority list, it could make all the difference if one of those hypothetical situations ever becomes a reality.<\/p>\n\n\n\n

\u201cThe biggest mistakes people make are putting off preparations and believing that disasters could never happen to them,\u201d Winn says.<\/p>\n\n\n\n

The truth is, there\u2019s no way to know if or when disaster will strike\u2014natural or otherwise. But knowing you\u2019ve done all you can to protect your family and your wealth can help give you a sense of control around the uncertainty. <\/p>\n\n\n\n

“I try to be a calming influence and say: ‘These things happen. You\u2019re OK, your family is OK, your pets are OK. We\u2019ll get through this together.'”<\/p>\n\n\n\n

Financial preparedness involves many different steps that require time and planning. That\u2019s why taking care of as much as you can in advance\u2014and having trusted advisors in your corner\u2014are key to weathering any storm.<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Four financial must-haves to help safeguard your assets against the unexpected.<\/p>\n","protected":false},"author":22,"featured_media":21481,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcwm_featured_desktop_image_position":"","rbcwm_featured_mobile_image_position":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[52,368,138],"tags":[745,177,744,164,370],"rbcwm_content_owner":[],"rbcwm_need":[463,483],"rbcwm_segment":[460],"rbcwm_solution":[465],"rbcwm_topic":[464],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-21479","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wealth-planning","category-wealth-protection","category-your-finances","tag-emergency-savings","tag-financial-planning","tag-natural-disasters","tag-wealth-planning","tag-wealth-protection","rbcwm_need-protect","rbcwm_need-support","rbcwm_segment-individuals-and-families","rbcwm_solution-wealth-planning","rbcwm_topic-your-wealth"],"acf":{"rbcwm_subtitle":"Four financial must-haves to help safeguard your assets against the unexpected.","rbcwm_post_author":"","rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":"","expandable":"","omit_from_pages":[],"disclaimer_footnote":"\r\n\r\nSources:<\/em>\r\n\r\n \r\n\r\n1. \u201cBillion-Dollar Weather and Climate Disasters,\u201d National Centers for Environmental Information (NCEI).<\/em>\r\n\r\n \r\n\r\n2. \u201c2023 National Household Survey on Disaster Preparedness,\u201d FEMA<\/em>, U.S. Department of Homeland Security.\r\n\r\nInvestment and insurance products offered through RBC Wealth Management are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.<\/strong>\r\n\r\nSecurities-based loans involve special risks and are not suitable for everyone. You should review the provisions of any agreement and related disclosures, and consult with your own independent tax and legal advisors about any questions you have prior to using securities-based loans or lines of credit. Additional restrictions may apply.\r\n\r\nRBC Wealth Management, a division of RBC Capital Markets, LLC, is a registered Broker-Dealer, Member FINRA\/NYSE\/SIPC, and is not a bank. RBC Capital Markets, LLC, its affiliates and their employees do not provide tax or legal advice. Lending services may be offered by bank affiliates of RBC Wealth Management. RBC Wealth Management and\/or your financial advisor may receive compensation in conjunction with offering or referring these services.\r\n\r\n"},"rbcwm_insight_cta_id":[8484],"rbcwm_pagination":{"next_link":"","next_link_text":"Next article","previous_link":"","previous_link_text":"Previous article"},"rbcwm_video_duration":"","article_time":"","rbcwm_enable_toc":false,"rbcwm_toc_selector":"h2"},"yoast_head":"\nHow to prepare for natural disasters: Increase your financial resilience in case the unthinkable happens<\/title>\n<meta name=\"description\" content=\"Four financial must-haves to help safeguard your assets against the unexpected.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/insights\/how-to-prepare-for-natural-disasters-increase-your-financial-resilience-in-case-the-unthinkable-happens\" \/>\n<meta property=\"og:locale\" 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