Bonnie, the tropical storm that drenched the Carolinas over Memorial Day weekend, did not reach hurricane status. But that storm, and the official start of the 2016 hurricane season on Wednesday, make this a good time for homeowners to check their insurance policies to see what is covered if a big storm hits.

In coastal states, damage caused by hurricanes or, in some cases, named storms, is often subject to a separate deductible — an amount deducted from the check the insurer writes to the homeowner when a claim is paid. Special storm deductibles emerged in the mid-1990s, after insurers experienced large losses from Hurricane Andrew in 1992, and they have become more prevalent in the wake of continued costly storms.

Now, homeowner policies in 19 states and the District of Columbia have some version of storm deductibles. (The states are Alabama, Connecticut, Delaware, Florida, Georgia, Hawaii, Louisiana, Maine, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Texas and Virginia.)

If you live in one of those states, it’s a good idea to check your coverage. Bonnie, which forced highway closings because of floods, provided “a really good reminder that it’s time to revisit your insurance policy,” said Russ Dubisky, executive director of the South Carolina Insurance Association, an industry group.