Now is the time you should get an "insurance checkup". Contact your insurance agent and make sure what your policy covers and doesn't cover. After a disaster is not the time for surprises and finding out that you are not covered for losses.
The tips, provided by the Florida Insurance Council, Inc., may be helpful when settling an insurance claim following a disaster. Remember, you bought insurance to take care of emergencies and you should be satisfied with the way insurance companies honor their part of the contract.