Wind is typically among the perils covered by a standard homeowners insurance policy. However, some policies partially or completely exclude wind-related damage. It's important to read your home insurance policy or contact your insurance provider to learn if and how your home's structure, as well as your belongings, may be covered against a hurricane's winds.

If your policy does offer coverage for wind damage, you may find that it includes a separate hurricane deductible that is higher than your standard deductible, according to the Insurance Information Institute (III). And, if coverage is provided by your policy, it's important to remember that coverage limits will apply.

Be sure to review the amount of coverage you have in place and make any necessary adjustments to help ensure your limits are in line with the potential cost of repairing or rebuilding your home, the III suggests.