After severe weather events, especially hurricanes and major storms, many homes are left with water and structural damage. If your home has sustained damage, it’s crucial to assess and document the destruction to begin repairs and submit an insurance claim. Often, water damage is more extensive and costly than it first appears, so submitting an accurate insurance claim is vital. Properly evaluating your home after a storm, particularly one with high winds or flooding, ensures you catch all issues. Here’s a guide to safely and thoroughly assess storm damage:
Prioritize Safety
Your safety is paramount. Storm-damaged properties can be dangerous, with unstable structures, weakened floors, or compromised electrical systems. Before entering, check for hazards such as visible structural damage, collapsed walls, or standing water. Inspect both the roof and foundation for potential risks. If there’s any doubt about the building’s safety or the state of utilities like gas or electricity, it’s best to consult a professional before proceeding.
Start with an Exterior Check
Before stepping inside, inspect the outside of your home. Look at the roof, walls, windows, doors, and foundation for visible damage. Also, assess any outbuildings, fences, or utility lines for issues. Check for debris like fallen trees or branches that could have caused damage. Pay special attention to the siding and areas where water may have infiltrated, leaving stains or causing mold.
Evaluate the Roof
Roof damage is common after storms. Look for missing shingles, sagging areas, or other signs of wear. Inspect for fallen debris that may have damaged the roof or hidden problem areas. If you can safely access the roof, check for leaks or weak spots. Don’t forget to inspect the attic for water stains or small leaks that could worsen over time. If there’s significant damage, contact a roofing expert for a thorough inspection.
Inspect the Interior
Inside, move through each room to look for signs of damage, especially water intrusion. Check for warped walls, ceilings, or floors. Minor issues, like bubbling paint or discolored drywall, may signal larger, hidden problems. Examine the electrical system for damaged outlets or short-circuited wiring, and pay close attention to plumbing and HVAC systems. Turn off the electricity if you suspect any electrical hazards.
Check Structural Integrity
It’s crucial to assess load-bearing walls, beams, and foundations, especially after flooding. Look for cracks in walls, leaning structures, or evidence of shifting. Enter the attic or crawl space to inspect beams and rafters. If structural damage is suspected, consult with a professional inspector or engineer for a detailed assessment. Structural repairs can be costly and time-consuming, so getting multiple quotes is advised.
Examine the Electrical System
For those experienced in electrical work, inspect for exposed or damaged wiring, water damage, or malfunctioning outlets. If any part of the system was submerged in water, it’s essential to leave the power off until a licensed electrician checks it out. Even seemingly minor water exposure can lead to dangerous conditions.
Assess Plumbing for Issues
Check the plumbing system for signs of leaks, broken pipes, or water damage around sinks, toilets, and showers. Inspect the water meter for unexplained movement, indicating hidden leaks. If necessary, turn off the main water supply to prevent further damage. Mold can develop quickly after water intrusion, so monitoring for it is key.
Identify Hidden Damage
Some damage might not be immediately visible. Keep an eye out for unusual odors or sounds, and inspect crawl spaces, basements, or other hidden areas for potential issues. If you’re concerned about hidden water damage, consider using moisture meters or thermal imaging to locate areas of concern. A water damage specialist can help identify and address these issues.
Document Everything
Take detailed photos and videos of the damage to provide documentation for insurance claims. Record the damage to both the structure and contents of your home. This documentation will also assist contractors in understanding the scope of work needed. Keeping thorough records helps in both the claim process and any future disputes or repairs.
Consult Experts When Needed
If you’re unsure about the damage or safety of your home, contact professionals such as inspectors, contractors, or engineers. They can provide expert evaluations and offer cost estimates for repairs. It’s a good idea to get multiple quotes from contractors to ensure you’re getting the best price and timeline.
Final Thoughts
Always take the time to carefully note and document every detail of the damage. Don’t hesitate to call in experts when needed, especially if safety is a concern. Storm damage can be deceptive, and a professional evaluation can save you time, money, and ensure your home is safe for the long term.
