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coach paisley sunglasses the policyholder share more of the risk with their insurer," said Loretta Worters, spokeswoman for the Insurance Information Institute.Higher deductibles apply from the time the National Hurricane Center issues a hurricane warning for anywhere in Connecticut to 24 hours after the warning is terminated, or 24 hours after the hurricane is downgraded for Connecticut, said Gerard O'Sullivan, manager of the consumer affairs unit within the Connecticut Insurance Department.Irene, the first hurricane to crash into Connecticut since Hurricane Bob in August 1991, is the first since a state law took effect in 2007 allowing higher deductibles for hurricanes.People who own homes, cars and businesses ravaged by wind, rain and broken tree limbs typically start to file claims as soon as the wind calms down. For many people, that's Monday.Insurers and insurance regulators urge property owners to file a claim as soon as possible. The Connecticut Insurance Department recommends, after the disaster, that homeowners make temporary repairs or arrange for a professional to do so as soon as it's safe to make them.Take photos of the damage. Don't throw anything out until after an insurance adjuster has time to review a claim, and insurers will pay to store property until a home is repaired. Keep a record of all expenses and receipts, not just for repairs but other expenses often partially covered by homeowners and renters policies meals, rent or hotel fees, utility installation and transportation."A lot of people just don't think to bring their policy or their policy number with them," said Worters, the insurance