In the event of a hurricane, and after a claim is filed, homeowners should take pictures and secure their home from further damage, PIA said.

While waiting for the adjuster, policyholders may want to get a repair estimate or two to help the process along, the agents group advised.

Policyholders, PIA said, should retain all receipts during the claims period, including expenses for temporary dwelling. Expenses must be in line with normal living costs, PIA said.

Clients, PIA said, need to work through their agent or company during the claims process if they have questions about the status of their claim or the settlement.

Changes to a home or an increase in value could affect the insurance coverage. Policyholders should review their coverage with their agent to make sure it is up to date and they are not underinsured, the group said.

Some hurricane researchers forecast there will be 12 named storms during the hurricane season that runs from June 1 to Nov. 30. They estimate there is a 75 percent probability of one or more major hurricanes hitting somewhere along the East Coast. A total of seven hurricanes and three major hurricanes with top wind speeds exceeding 111 mph are forecast for this season.

Complete lists of PIA's recommendations can be found at www.pianet.com.