The start of hurricane season is an ideal time for consumers to review their policies and get their insurance houses in order. For example, homeowners need to focus on the replacement cost, not the present market value, when looking at whether they have ample coverage.

Also, flood coverage must be purchased separately 30 days before it takes effect.

Some other tips.

--Document, photograph or video your possessions for insurance records and store this information in a safe place away from your home.

--Trim shrubbery and trees to make them more resistant to wind damage.

--Keep your policy information and your agent's contact information in a safe place.