Disaster Preparedness Hub
What could financially devastate you?
Simulate eight household-level catastrophic events. Score preparedness, identify coverage gaps, and download a recovery plan.
Household profile
Coverage in place
Net worth
$35,000
Tier: Moderate · PS 2.0 53/100
Major life disruption simulator
How prepared are you for each catastrophic scenario?
Job Loss (primary earner)
Immediate
$50,000
Monthly
$9,167
Recovery
12mo
- • Emergency fund below 6 months
Long-Term Disability (2+ years)
Immediate
$42,500
Monthly
$9,917
Recovery
36mo
- • No long-term disability coverage
Major Illness (cancer, cardiac, etc.)
Immediate
$15,000
Monthly
$2,833
Recovery
18mo
- • Limited cash for deductibles
Home Loss (fire/storm)
Immediate
$5,000
Monthly
$0
Recovery
12mo
- • No flood coverage
Natural Disaster
Immediate
$80,000
Monthly
$0
Recovery
14mo
- • Flood not covered by standard home policy
Major Liability Lawsuit
Immediate
$700,000
Monthly
$0
Recovery
24mo
- • Umbrella below $1M (current $0)
Business Disruption
Immediate
$0
Monthly
$0
Recovery
9mo
Death of Income Earner
Immediate
$600,000
Monthly
$9,167
Recovery
60mo
- • Life coverage short by $600,000
Core frameworks
- Identify exposure × severity × mitigation per scenario
- Maintain 6+ months cash for non-insurable events (job loss, lawsuits)
- Verify exclusions on flood, quake, and business interruption
Best-practice strategies
- Annual disaster drill: photo inventory, doc backup, contact list
- Stack umbrella + asset titling for lawsuit defense
- Buy LTC before age 60 to lock pricing
Disaster preparedness library
Guide
Preparing for Job Loss Financially
Job loss is the most common household disruption. Insurance helps less than cash — but coverage decisions before the event matter.
Guide
Long-Term Disability Disruption Planning
Disability is 3× more likely than death before age 65. Most households are catastrophically underinsured here.
Guide
Natural Disaster Insurance Preparedness
Standard policies exclude flood, earthquake, and often wildfire. Disaster preparedness requires explicit riders.
Guide
Preparing for a Major Liability Lawsuit
A single lawsuit can exceed your auto or home liability limit and reach personal assets. Umbrella + asset titling are the defense.