Natural disasters, such as Superstorm Sandy, don't have to become financial disasters if clients take the right steps, according to CPA personal financial planning experts. If a client's house is damaged in a disaster, contact local building authorities to see if the home is inhabitable; establish an insurance claim, but don't settle immediately; and make temporary repairs to prevent further damage, says Mitchell Freedman, CPA/PFS, a California-based financial planner whose own home sustained significant damage in the Northridge earthquake in 1994 and in a fire two years ago.

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