Hail storms, flash floods or even sewer backups can cause thousands of dollars in damage to your property. For example, a single hail storm in 2011 caused more than $160 million in damage statewide.

So, how do you know your home or car is covered?

First, talk to your insurance agent.

If you only have liability insurance on your car, you're not covered for hail damage. You need comprehensive coverage.

When it comes to floods, your homeowner's insurance doesn't cover you. For that, you need flood insurance.

You can get that coverage from the national flood insurance program, have to wait for 30 days before it goes into effect.

Homeowners insurance also may not include coverage for flooding from sewers or water lines. Double check with your agent check if you’re already covered, or what it would cost to add that protection.

Lastly, for those who rent, make sure you have renter’s insurance. That costs about $15 per month.