and different kinds have insurance is holly raymond is an industry spokesman.homeowners? >> one of the things need remember how well you recover is how well you prepare. one thing you want to keep in mind. as a homeowner one of the things you need to do, talk to your insurance agent at least once a year to make sure everything is up to date. >> that means if you've had upgrades to your house or anything that could upgrading? >> like your kitchen, you want to make sure that is reflected in your insurance policy so if anything happens to your how long it will be covered. >> there are so many disasters. we had hurricane sandy and it looked like they lost everything. they didn't have insurance or they were underinsured. happens in a situation like that. >> in particular cases we had storms in the northern bay area, northern california, one of the things you want to know your homeowners insurance covers specific things, covers things for wildfire, theft, liability coverage. one of the things it doesn't cover is damage from flooding, flood damage is separate. that is