Prepare in case you must file a claim with your insurance company

Rocio Albanes was one of numerous central Floridians suing their insurance companies for inadequate claim compensation after the hurricanes of 2004. (Joe Burbank/Orlando Sentinel )

•Nationwide: 1-800-421-3535

•Progressive: 1-800-776-4737

•State Farm: 1-800-732-5246

•Travelers of Florida: 1-800-252-4633 or 1-800-505-0193 for flooding

•United Property & Casualty: 1-800-861-4370

•Universal North America: 1-888-225-9441

•Universal Property & Casualty: 1-800-218-3206

•USAA: 1-800-531-8111


No time to waste: Generally, insurance policies go into effect 30 days after they're purchased.

Flood coverage: Don't assume you have it. Even though a hurricane or tropical storm may cause flooding, the damage can only be covered by a flood policy.

Deductibles: They're often higher for hurricane damage.

After a storm: Homeowners who file claims should ask their adjusters for several damage estimates.