Take the time to ensure that your homeowners insurance coverage will provide the protection you need before distaster strikes. May 23, 2006 Once again the Atlantic coast could be pummeled by storms this year, forecasters say. With hurricane season upon us -- June 1 through November 30 -- now is the time to make sure you're covered."Whether we face an active hurricane season, like this year, or a below-normal season, the crucial message for every person is the same: prepare, prepare, prepare," said Max Mayfield, director of the National Oceanic and Atmospheric Administration's National Hurricane Center. NOAA expects 13 to 16 named storms in the north Atlantic, with eight to ten becoming hurricanes. That doesn't match last year's record of 28 storms, but it does top the average 11 storms during the Atlantic hurricane season, according to NOAA. We're not suggesting that you stock up on bottled water right now, but we do recommend that you make sure you have enough -- and the right kind -- of insurance coverage for your home and belongings should a distater strike where you live. These stories will help you prepare. Waiting for the Big One Homeowners up and down the Atlantic Coast will pay a steep insurance price for last year's storms. Even New York residents will see rates surge as forecasters predict a major hurricane will hit that area. Advertisement Six Steps to Protect Your Home With tornado season in full swing in the South and Midwest and hurricane season approaching, now is the time to make sure you have the insurance coverage you need. Insurance Lessons from Katrina Take inventory of your belongings and make sure you have enough coverage before storm season. And be prepared to wait months for a claims to be paid if disaster strikes. Calm After the Storm Make sure your carrier doesn't leave you high and dry following a natural disaster. Protection After the Storm Do you know what your homeowners insurance covers? It won't pay to clean up flood damage, but you may be able to claim more than you think. Advertisement When Flood Insurance is Necessary Don't count on your homeowners policy to cover the cost of flood damage. You'll need a special policy. Storm's Damage Could be Deductible Many losses caused by hurricanes -- and other natural disasters such as floods, earthquakes and storms -- can be tax-deductible.