I recently attended a fundraiser cocktail party for my youngest child's school. Ordinarily in these situations, once I reveal that I work in insurance, the conversation immediately shifts to sports or the cheese plate. That evening, however, thanks to media coverage of the predictions for the Atlantic hurricane season–and the fact that our non-coastal Connecticut town was hit hard during the last few seasons–I was more popular than the bartender.

My new friends shared memories: surviving with children for eight days without power, fighting with insurance companies, and the plights of hard-hit neighbors. I was peppered with questions like the ones that follow, and my answers lead many to ask me for the name of a broker who could help them upgrade their insurance.

1. “Do I have enough coverage?”

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