SEATTLE - Wildfires still push toward thousands of homes in California as hundreds get a chance to check out their homes after being evacuated.

The next step is making insurance claims. California's insurance commissioner said about 25 percent of the homeowners affected will figure out they are underinsured.

Agents always harp on reviewing your coverage, but when was the last time you did it? How would you fare in a fire or other disaster?

Policies typically already cover fire, lightning, wind and other storm damage, plus, burglary, theft and vandalism -- even a car plowing into your house.

As for what's not covered, "Things like earthquake, those are special coverages, that you've got to request," said insurance agent Mike McGinness.

You can also request flood coverage, even if you don't live in a flood plain.

"Maybe the grates get covered with leaves in our area, it could happen," McGinness said. "If you're at the bottom of a hill and for some reason water comes through and overflows the street and comes into your home, then that is a flood policy claim."

That coverage would likely cost a few hundred dollars a year.

Ad don't stop at just making sure you have enough coverage on your house. Go one step further, grab the camera and take pictures or video of everything in your house. And don't forget to open every single cabinet and drawer, even the junk drawers and take pictures of what you're storing inside.

"The more information you have, the better," said agent Nadine McGinness.

The McGinness just reviewed Amy Olsen's coverage on her home. While Amy said she believes she's covered, she knows she has more work to do.

"I'm really thinking about what I have and how, if something happened, could I easily put in a claim?" Amy Olsen said.

It's best to also photograph the backs of items, and make sure to get serial numbers.

And don't forget to store those pictures, videos, computer backups and other valuable documents in a fireproof box or someplace else outside your house.

The state insurance commissioner also reminds us that we each have to do our part to protect our homes, such as clearing a natural firebreak, or using fire resistant roofing and other building materials.

For more information on insurance in Washington, go to the Insurance Commissioner's website at www.insurance.wa.gov