Here are some insurance tips to help you both before and after the storm.

Read your policy carefully and ask questions long before a storm approaches. Does it cover wind damage?

Insurance laws change from year to year. Check the “Exclusions” portion of your policy for recent changes.

Review the “Duties After Loss” section of your policy. Failure to follow the provisions in this section could result in non-payment on your legitimate claim.

Update your policy so your home is insured for whatever it costs to replace it, including your possessions. Find out how much coverage you have for Additional Living Expenses in case you have to live away from home while your home is repaired or rebuilt. Older homes that don't meet current building codes must be upgraded, which increases the cost of rebuilding them.

Be certain your agent is reputable and knows local building codes, welcomes questions and is willing to explain things clearly.

Don’t wait. ...