If your home was unaffected but Hurricane Harvey or Irma, consider yourself blessed.

But be aware that you're not out of the woods.

We are nowhere near done with hurricane season this year, so before the next one hits, check your policy and confirm the health of your insurer.

Because when tragedy strikes, you don't want to have to fight for your money. You want to be able to submit your claim, get paid out and move on with your life.

But if your insurer doesn't have the available cash, you have bigger problems. So take the time now and do some due diligence on your company.

"Insurance only matters when it matters," says Pat Low, CEO Dowell Insurance Agency, in Mahwah, N.J.

And while it may seem like a good idea to go with a lesser-known company because the premiums are cheaper, you often get what you pay for.

You need to be able to rely on the integrity of your insurer. Just ask some of the victims of Hurricane Katrina, which left $50 billion in total damages, according to the Insurance Information Institute.

Many of them were still in litigation, five to seven years after the event, fighting for their money, says Lowe.

So make sure you are with a reputable company. The bigger carriers, like Allstate Corp. (ALL)  and Progressive Corp.  (PGR) , often will do the right thing and pay your claim promptly as long as you have fulfilled your premium obligations.

The problem, for folks who live in high-risk areas, is that those solid national carriers may not be an option.

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Take the coastal areas of Florida. Many of those well-capitalized companies left years ago, because regulators wouldn't let them raise rates after Hurricanes Andrew (which cost about $26.5 billion) and then Katrina, says Cathy Seifert, an analyst with CFRA a stock-analysis firm. "They just didn't have the financial flexibility to retain more of that risk."

So the concern now is the health of regional insurers in Florida, says Seifert who has been following the industry for more than 20 years.

And while some of the bigger companies do have some exposure to coastal Florida -- Progressive has a 3.5% share of the area, AIG has 3% and Chubb has 2.8% -- it's the regional carriers that will bear the brunt of the local storms.

So it is important to check the financial strength of your insurer, suggests Seifert.

Granted, many of these higher-leveraged companies will use reinsurers, a.k.a. "the insurance for insurers," as a stop-loss when emergency strikes.

Now this isn't a bad thing. Local insurers can share the risk with a reinsurer so they can take on more high-risk clients -- like coastal Floridians.

As a consumer, you won't notice whether the reinsurance had to step in, because your claim check will still come from your insurance company.

But you can at least confirm that your insurer's reinsurance company is well-established.

Companies like Warren Buffett's Berkshire Hathaway Inc. (BRK.A) , another big property insurer via its Geico unit; Axis Capital Holdings Ltd. (AXS) ; and Everest Re Group Ltd. (RE) are solid so you can sleep at night.

But remember, reinsurance is a great back stop but not a forever stream of income. It's a contractual amount. So reinsurance will not bail out your insurance company if it runs out of funds, says Lowe, who still writes policies along the Florida coastline, presuming it's the right client profile.

Bottom-line: Before catastrophe hits, check out your insurance company. And if you have any doubt, change carriers now while things are quiet.

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