Hundreds of people still haven’t been paid for their hurricane losses in 2004 or 2005. In fact, some of these people will never be fully compensated for their loss. Insurance agents said many people are not as covered as they think.

"Everybody, particularly residents in the state of Florida, need to make sure they have separate coverage from the federal government for flood insurance," said Scott Johnson, FAIA. "The lessons are all over the place."

Agents said people should take out extra policies if they have free standing buildings or expensive property.

"You might have some items that need to be scheduled specifically," said Johnson. "You might have jewelry, furs, or a gun collection."

In addition, insurance agents, like Ed Domansky, said people should take pictures of their property and possessions.

"Keep it in a safe place," said Domansky, "A safety deposit box at a bank or even some safe box that is part of your hurricane kit that you pick up and take it with you when you leave the house."

Tara Klimek, CFO and Spokeswoman for the state’s Chief Financial Officer, said Floridians need to have their homes inspected.

"About 60 percent of the people that we give free wind inspections to are already eligible to save about $200 off insurance without doing a thing."

Hardening your home can help save you money on your premium and save your home from blowing away.

For more information about state and federal hurricane preparedness resources you can call 1-800-22STORM.