There's no doubt an overall increase in the number of extreme weather events has caused the insurance industry to undergo significant changes. While no one can predict the frequency or location of major storms, there is an industry consensus that the intensity of storms is becoming more severe and that insurance companies need to protect themselves against the associated risks. This new reality also presents increased risk to homeowners in terms of both vulnerability to natural threats as well as potentially compromised coverage. Paying close attention to your policy details is vital. You will likely discover changes to coverage conditions and rates over time. For this reason, homeowners need to be mindful of their policy terms, and also take whatever steps they can to avoid extensive damage from extreme weather.