Extreme weather events have lasting effects on insurance policies. Policy terms and costs can change significantly after a storm. It is crucial for homeowners to understand their coverage before a storm hits.

Weather hazards are common and can vary greatly. Temperatures can soar one week, while the next week brings strong winds and flooding.

Further information on insurance coverage and costs is available, including how companies are adjusting their risk assessments in response to increasing payouts for weather-related damage.