Hurricane season starts today, June 1, and Georgia Insurance Commissioner John W. Oxendine wants to remind Georgians that they should check their insurance policies annually to be sure they have adequate coverage.

"Our coastal residents face the most danger if a hurricane strikes, and the only way to ensure their safety is to evacuate," Commissioner Oxendine said. "However, citizens who don't live on the coast may still face the hazards of strong winds, heavy rain and inland flooding. To protect your home and other property from the financial impact of destructive storms, a homeowner's policy tailored to your particular needs is your best option."

"Business owners should consider business interruption coverage, as well as having a policy to cover the physical assets of a business," Oxendine added. "After Katrina we saw many businesses that were unprepared for the weeks or months it would take to get back up and running."

Oxendine suggested that homeowners discuss their insurance needs with a reputable insurance agent. Renters too should consider a policy to cover their personal belongings; the landlord's policy generally will not cover the loss of a tenant's possessions.

Flooding from heavy rain or storm surge is a real possibility. Policies for mobile or manufactured homes may include coverage for flood damage, unlike standard home policies; owners of traditional site-built homes can purchase federal flood coverage in addition to their regular coverage. Flood damage to automobiles is covered under the comprehensive portion of an auto policy.

One important factor to consider is whether you want actual cash value coverage or replacement cost coverage. With actual cash value, you will receive only the current value of an item when you file a claim. In other words, you'll get only "used" prices for your furniture, TV, etc. With replacement cost coverage, your claim amount will be enough to purchase new items.

An accurate record of your possessions will be invaluable if you need to file a claim with your insurance company, so make a list of covered items such as furniture, electronics, and other valuables. A photographic or videotape record is a good idea. Keep copies of the list or photos in a safe place outside your home, such as a safe deposit box.

Hurricane season is June 1 through November 30, with September the month when the powerful storms are statistically most likely to occur.

Anyone with questions about homeowners or other types of insurance can call the Commissioner's Consumer Services Division at 404656-2070, or 800-656-2298.