<prompt> Human: As title states. I live in Fort Myers which in Lee County, about two hours south of Tampa. It looks like we will be hitting hit by Irma to some extent no matter where she goes. What advice does PF have to offer regarding prep? I have that read videos or pictures of all of the possessions in my house are needed to get an accurate insurance payout. Im sure theres more than that. Thanks in advance!  <response>: If you have flood insurance, and this is a big if a homeowners policy specifically excludes flood... check the policy requirements for coverage on personal property.Many policies have things like exclusions for any personal property below ground level or any property stored at ground level if it could have been moved to the second floor if applicable.I dont know about your state, but, there may be a tropical cyclone deductible on your policy. Usually these are of either the damage or the insured amount of your house. There is likely nothing you can do about it at this point as insurance companies often lock coverage, but, it may be helpful to know.If you have a basementsump pump, you may find that that is a separate endorsement either not subject to the tropical cyclone deductible or not included at all. Again, worth looking into but probably not much you can do about it at this point. 