Many people are surprised about the extent of protection their homeowner's insurance policy offers. Although your policy may not cover flood damage to your home, it does offer some protection from loss due to natural disasters, such as hurricanes, according to LSU AgCenter family economics professor Dr. Ann Berry.

The aftermath of hurricanes Katrina and Rita is a wake-up call for all whose homes were spared. It’s a vivid reminder of the importance of making your home stronger, safer and smarter.

It's best to get professional cleaners to work on carpets and floors, but this may not be possible. In any case, begin cleanup as soon as possible.

If your home was flooded, it must be disinfected and dried thoroughly to prevent mildew and future damage by wood rot.