It is not news that the effects of climate change have led to the increased severity and frequency of severe weather events in recent years, and data shows this trend is only likely to worsen. 2017 was the costliest year on record for insurers, caused by the triple threat of Hurricanes Irma, Maria and Harvey. So far, 2018 has provided no relief. Like the rest of the world, the insurance industry is being forced to deal with the real, costly effects of climate change. For residents, this means getting the right insurance, and taking better precautions to protect your property. A newly-released study from ServiceMaster Restore revealed that more than half of Americans (52%) believe they are more at risk now for a severe storm than in past years. More than a third (36%) even admit they've considered increasing their homeowner's insurance due to the threat of severe weather. Homeowners and small business owners, especially those in coastal areas, should make sure they are prepared. In the slideshow above are 6 tips to prepare for extreme weather. Related: The new reality of North America wildfire