RETHINK YOUR RISK BEFORE THE STORM: * Re-evaluate your risk profile at least once a year to ensure your existing homeowners policy provides the protection you and your family needs. Plan to review your policy at the same time each year. Note that floods are not covered by a typical homeowners' policy, so you'll need additional coverage. * If you need to evacuate your home, turn off all utilities and disconnect appliance to reduce the change of additional damage and electrical shock when utilities are restored. * A home inventory can be invaluable when deciding how much insurance your life situation required to adequately insure your home in the path of a natural disaster.