Estate Planning Tips Before Hurricane Season in Louisiana

July 24, 2026

Louisiana residents know hurricane season brings more than just heavy rain and high winds.

Each year, families prepare their homes and gather supplies, but many overlook another critical safeguard: their estate plan. Having your legal documents in order before a storm hits can protect not only your property but also your loved ones.


Here are several estate planning steps to take before the next storm season.


Review Your Will and Trust


Hurricane season is a reminder to revisit your estate plan. If you already have a Last Will and Testament or a trust in place, verify that the information is up to date. 


  • Have there been new births or deaths in the family? 
  • Did anyone get married?
  • Did you acquire or sell property? 


Any of these changes may require an update. In Louisiana, where forced heirship laws apply, it is especially important to ensure that your will complies with state requirements.


Confirm Your Power of Attorney and Healthcare Documents


In the chaos of an evacuation or a sudden medical emergency, a power of attorney (mandate) can make all the difference. This document allows a trusted person to manage your financial affairs if you are unable to do so. 


Equally vital is a health care power of attorney (mandate for health care) and a living will. These documents make your medical wishes clear and allow someone you choose to make decisions if you are incapacitated. Without them, your family may face unnecessary stress during an already difficult time.


Protect Important Documents


When a hurricane threatens, physical documents are at risk of water damage or loss. Store originals such as wills, trusts, powers of attorney, property deeds, and insurance policies in a waterproof and fireproof safe. 


Many people also choose to keep a copy with their attorney or in a secure digital format. Having easy access to these documents after a storm can help speed up insurance claims, banking transactions, and succession matters.


Review Beneficiary Designations


Certain assets, such as life insurance policies and retirement accounts, transfer directly to the beneficiary named on the account. They do not pass through succession. 


Review these designations to confirm they reflect your current wishes. Outdated beneficiary forms are one of the most common estate planning mistakes, and hurricane season is a good time to review and update them.


Plan for Digital Assets


Today, much of our financial and personal lives is stored online. Ensure that your executor or loved ones are aware of how to access important digital accounts, including online banking, insurance portals, and family photographs. A list of usernames and passwords kept securely can prevent frustration later.


Plan for Property Succession


If your home or other property suffers hurricane damage, ownership may become an issue during the insurance recovery process. Succession planning ensures that your assets are transferred smoothly in the event of your passing. 


In Louisiana, succession laws are unique and can be complex. Having a clear estate plan in place helps avoid confusion and allows your family to focus on recovery instead of dealing with legal disputes.


Communicate With Your Family


A well-prepared estate plan is only effective if your loved ones are aware of its existence and understand your wishes. Take time before hurricane season to talk openly with your family. Explain where important documents are stored and who to contact in the event of an emergency. These conversations often ease anxiety and prevent disagreements later.


Contact Us Today To Learn More


Preparing for hurricane season means more than boarding up windows. It means safeguarding your family’s future through careful estate planning. By reviewing your will, updating powers of attorney, protecting important documents, and communicating your wishes, you can face storm season with greater peace of mind.


The attorneys at Losavio & DeJean, LLC help Louisiana families prepare for life’s uncertainties, including natural disasters. If you would like assistance updating or creating an estate plan before the next storm season, our team is here to guide you through the process. Contact us today to learn more.


Three people reviewing a document, with text about the difference between a will and a trust in Louisiana

Understanding the Difference Between a Will and a Trust in Louisiana

July 28, 2026
When it comes to protecting your family and preserving your legacy, one of the most common questions people ask is, "Do I need a will or a trust?" The answer depends on your personal circumstances, financial goals, and long-term estate planning objectives. Understanding the difference between these two powerful legal tools can help you make informed decisions and ensure your wishes are carried out exactly as intended. A will is a legal document that outlines how your assets should be distributed after your death. It also allows you to appoint an executor to manage your estate and, most importantly for parents of young children, designate a legal guardian. While a will is an essential component of nearly every estate plan, it generally goes through Louisiana's succession (probate) process before assets are distributed. Working with an experienced estate planning attorney ensures your will complies with Louisiana law and accurately reflects your intentions. A trust , on the other hand, can provide greater flexibility and control over how and when your assets are distributed. Certain trusts may help your loved ones avoid probate, maintain privacy, provide for beneficiaries over time, or protect assets in the event of incapacity. Trusts are often valuable tools for families with significant assets, blended families, individuals planning for long-term care , or anyone seeking greater control over their estate. At Losavio & DeJean Elder Law Firm , we help Louisiana families determine whether a will, a trust, or a combination of both best fits their unique needs. Estate planning isn't about how much you own—it's about protecting the people you love. Whether you're creating your first estate plan or updating existing documents, our experienced attorneys can help you build a plan that provides peace of mind for generations to come.

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