It has been three (3) years since Hurricane Katrina devastated both Florida, Louisiana, Mississippi, and Alabama. The 2005 Hurricane Season was one of the worst on record and caused billions of dollars in damage. The 2008 Hurricane Season is now upon us; having started on June 1st, the hurricane season runs through November 30th. The 2008 Hurricane Season was predicted to be “above average”, however to date the season and the tropics have been relatively quiet with only a few named storms, and only one that impacted south Texas. Historically however, the worse storms form in August through October. Your insurance company has not forgotten about the damages paid out in previous years. Policy owners in effected coastal and hurricane zone areas have seen rate increases year after year to pay for past losses and payouts for property damages. As a result, now is the time for home and property owners to evaluate their property casualty insurance to assure that they are covered in case of storm damage loss.