Hurricane season officially began on Monday, June 1, and the Federal Emergency Management Agency wants residents to know there are several things they can do to prepare. Check your insurance coverage. Homeowner’s and renter’s insurance policies may not cover wind and water damage caused by hurricanes. Without flood insurance, most residents have to pay out of pocket or take out loans to repair and replace damaged items. Federal assistance is not always available or is not enough to get you back to your pre-disaster condition. Contact your insurance agent to purchase a policy, in the amount of coverage you can afford, from the National ...