A usual theme officials mention when discussing extreme weather damage is home owner's insurance policy. It's very important to look at your policy to be sure that your coverage is sufficient and embodies everything you'll require. Georgia Insurance Commissioner John Oxendine offers these tips:

- although a common homeowner's insurance policy covers damage from extreme winds and tornadoes, it does not necessarily cover damage from flooding. A

additional policy must be aquired through the National Flood Insurance Program, and can only be purchased if your community is involved in the national

program. However, a common mobile home policy will cover damage caused by floods. Look over your policy.

- Generate a list of your valuables, furniture and electronics and then eithethen r photograph or videotape your things.

Keep secure copies of the list, photographs and videotape in a safe place outside your home. If your home is damaged or destroyed in a natural disaster, it will be very hard for you to tell your insurance agent what you lost without proof.

- Maintain your homeowner insurance policy numbers and your agent's phone number in a safe place.

- If a disaster were to strike, get in contact your agent or insurance company right away.

- Don't allow your property to sustain further damage. As an example, if your roof were to be damaged, cover it with plastic or a tarp to prevent water damage from rain. Many policies will not insure such damage.

- Know the difference between actual cash value and replacement-cost coverage for your belongings, and obtain the coverage that will best covers your needs. With actual cash value, you will get the current value of a particular item when you file a claim. To put it another way, you will only get "used" prices for your furniture, TV, etc. However, with replacement-cost coverage, your claim amount will be enough to buy new items.

Get a Home Owner Insurance Policy Quote today!