Poll: Have you changed your insurance since Sandy?

Sandy was an insurance wake-up call for homeowners and business owners alike. 

Many found out the hard way that their policies didn't cover what they thought they did. But some may also find that the cost of additional coverage is prohibitive.

Which camp do you fall into? Are you reading the fine print in your policy more closely now? Do you plan to make any changes to your coverage?

Please vote and leave a comment. Results and a selection of reader comments will be published in next Sunday's business section.

Photo: Gale Bartolo of Oceanside stands in what was once her split-level apartment, which will not be covered by her insurance company because it is classified as a basement.