Estate Planning in the Wake of Wildfires: Preparing for Life’s Storms

Growing up in Southern California, I took the serene beauty of the hills and neighborhoods for granted, never imagining they could one day be reduced to ash. Sadly, for so many families in California today, that unimaginable scenario has become a reality—losing homes, possessions, and even loved ones to these devastating wildfires. My heart is with friends and family navigating unimaginable loss, and I pray for their strength, recovery, and resilience.

Preparing for the Unthinkable

About a year ago, I worked with a family who lost everything in a fire. They were crushed, not only by the loss of their home but also by the financial and legal chaos that followed. Important documents stored at home were gone, including the family’s estate plan.

Thankfully, they had taken one crucial step that saved them from even more heartache: they’d digitized their estate plan. Their attorney had a copy, and so did a close relative. It wasn’t easy for them to rebuild, but that simple act of planning ahead made a massive difference.

While it’s hard to make sense of these tragedies, they remind us that life can change in an instant. While we can’t stop catastrophic events from happening, we can take steps to protect our loved ones, no matter what lies ahead.

Steps to Protect What Matters Most

Estate planning might sound overwhelming, but it’s really about making sure your loved ones are taken care of, no matter what life brings. And let’s be honest—wildfires, hurricanes, and other disasters are stark reminders of why this matters. Here are some ways you can prepare:

1. Create or Update Your Estate Plan
   If you don’t have an estate plan, now is the time to start. And if you do, dust it off and make sure it’s up to date. Life changes—make sure your plan reflects your current wishes.

2. Store Documents Safely
   Keep digital copies of your documents. Store them securely in the cloud and share them with someone you trust (like your attorney or a family member).

3. Plan for Emergencies
   Talk to your family about what to do in case of disaster. Think evacuation plans, emergency funds, and even where to meet if you’re separated.

4. Inventory Your Assets
   Document your assets, including photos and descriptions, to make insurance claims easier and ensure your loved ones know what you own.

5. Name Guardians for Your Kids
   If you have children, this is very important. Make sure you’ve picked the right people to care for them if you’re not there.

6. Consider Your Community
   Your estate plan isn’t just about your family—it’s about your community, too. Maybe part of your legacy includes helping others rebuild after disasters.

Finding Hope and Offering Help

For those of us watching these fires from afar, let’s not forget there are real people behind the headlines. Volunteering, donating, or even just checking in with someone you know who’s been affected can make a difference.

And for families in the thick of it, know that you’re not alone. There are people and resources ready to help you rebuild—not just your home but your sense of stability and hope.

Estate planning isn’t about expecting the worst; it’s about being ready for anything. It’s about giving your loved ones one less thing to worry about when life feels impossible. Schedule a complimentary consultation to learn more.

This article is a service of Cedar Counsel. We don’t just draft documents; we ensure you make informed and empowered decisions about life and death, for yourself and the people you love.