hurricane season is now less than 48 hours away so really how much do you actually know about your insurance coverage tonight taking action reporter Jackie Callaway runs down the list of things that you need to do now before the next tropical disturbance makes waves in the Caribbean now is the time to take inventory of all of your valuables video tape your home and all of its contents and store it in the cloud Florida's former deputy Insurance Commissioner Lisa Miller says the more you can prove you own the better for your insurance claims know what you have so you don't have to guess about it after it's gone whether you rent or own technology has made taking stock of your stuff much easier check out any number of free home inventory apps in your App Store hurricanes unleash destructive winds flooding rain and storm surge but your homeowners policy will not cover all of it don't the water's coming in from below in the case of a flood you're going to be looking at your flood coverage policy but ordering flood insurance is not something you can do overnight so Katelyn Fisker with Kiplinger recommends you start now so the National Flood Insurance Program has a 30-day waiting period now is also the time to contact your insurer and ask about policy coverages and deductibles hurricane deductibles range from two to five percent which could mean you'll pay thousands of dollars out of pocket before your policy kicks in many homeowners don't think about the scarcity of contractors after a storm to prepare research should make contacts with licensed contractors in your area right now so that you're not pretty not preyed upon after the storm if you have damage after every hurricane unlicensed contractors and unscrupulous roofers go door to door selling repairs Miller says don't let a stranger touch your house without checking their license and complaint record they're going to do one of two things tell you you need a new roof because they want to sell you one or make the damage happen that wasn't there in the first place insurers often suggest you make temporary repairs such as putting up a tarp to stop any further damage to your home but take photos of that damage before performing any fixes yourself be sure to tune in to our Stormwatch special tonight at 7:30 I'm Jackie Calloway taking action for you