Assess your home for storm damage safely by prioritizing your well-being and following a systematic approach.

Your immediate safety is key when assessing storm damage, so never enter a compromised structure without ensuring it’s safe to do so.

TL;DR:

  • Prioritize your safety first when inspecting for storm damage.
  • Document all damage thoroughly for insurance purposes.
  • Address immediate safety hazards before detailed inspections.
  • Understand your insurance coverage and policy details.
  • Contact professionals for assessment and repairs promptly.

How Do You Assess Your Home for Damage After a Storm Safely?

After a storm passes, your first instinct might be to check your home. But how do you do this safely? It’s essential to approach storm damage assessment with caution. Your well-being comes first. Unseen dangers can lurk after severe weather.

Immediate Safety Checks

Before you even think about checking for cosmetic damage, look for immediate safety hazards. Are there downed power lines on your property? If so, stay far away. Assume they are live and extremely dangerous. Also, check for structural integrity issues. If your home looks unstable, do not go inside. Wait for professionals to deem it safe.

Structural Integrity Concerns

Look for obvious signs of damage to the exterior. Are there large cracks in the foundation? Is the roof sagging or missing large sections? Are walls bulging or leaning? These are critical indicators of potential structural failure. If you spot any of these, it’s a clear sign to call a professional right away. Do not attempt to enter a home with severe structural damage.

Gas Leaks and Electrical Hazards

A strong smell of gas is a serious warning sign. If you detect it, leave your home immediately. Do not turn lights on or off, or use any electronics. Open windows and doors as you leave. Then, from a safe distance, call your gas company and 911. Similarly, be wary of electrical hazards. Flickering lights or sparking outlets are red flags. If you suspect electrical issues, shut off your main power breaker if it’s safe to do so.

Exterior Damage Assessment

Once you’ve confirmed it’s safe to be outside, you can begin looking at the exterior. Start with the roof. Hail or high winds can cause significant damage. Look for missing shingles, dents, or granules in your gutters. Next, inspect your siding. Check for cracks, holes, or loose pieces. Windows and doors are also vulnerable. Look for broken panes, damaged frames, or seals that have failed.

Yard and Landscaping Evaluation

Don’t forget your yard. Downed trees or large branches can be dangerous. They could also have caused damage to your home’s exterior or foundation. Check fences for damage. Look for any debris that may have been blown onto your property. This debris could also be a hazard. Documenting this, like other storm-related issues, is important.

Interior Damage Inspection

If the exterior seems reasonably intact and safe, you can cautiously move inside. Begin with the attic. Water damage often starts here. Look for signs of leaks or water stains on the rafters or insulation. Check ceilings and walls for new cracks or water stains. Pay attention to any musty odors, which can indicate mold growth. Mold can pose serious health risks.

Basement and Crawl Space Checks

Basements and crawl spaces are prone to flooding during heavy storms. Look for standing water or dampness. Check the walls and floor for cracks or signs of water intrusion. Even a small amount of water can lead to mold and structural issues over time. It’s crucial to address any dampness promptly.

The Importance of Documentation

Once you’ve completed your initial safety assessment, it’s time to document. Take clear, detailed photos and videos of all damage. This is vital for insurance claims. Get close-ups of damaged areas and wider shots showing the context. Make sure to capture the date and time if possible. This documentation helps in documenting damage for a claim accurately.

Creating an Inventory

It’s also a good idea to start an inventory of damaged items. This includes personal property as well as structural damage. Make a list of everything that was affected by the storm. Include descriptions and estimated replacement costs. This list, along with your photos, will be essential when you speak with your insurance company. Understanding how to photograph storm damage for an insurance claim is a key skill.

Understanding Your Insurance Policy

Before contacting your insurance company, review your policy. Know what is covered and what is not. Many policies cover wind and hail damage, but flood damage often requires a separate policy. Knowing your coverage helps you ask the right questions. This step is crucial for navigating insurance questions after damage effectively.

When to Call Your Insurer

Contact your insurance agent as soon as possible after you’ve assessed the immediate safety risks and documented the damage. They can guide you through the claims process. Be prepared to provide them with your documentation. They will likely send an adjuster to assess the damage as well. It’s important to know if storm damage is covered by insurance before you start making repairs.

When to Call a Professional

While you can do a preliminary assessment, some damage requires expert eyes. For significant structural issues, roof damage, or extensive water intrusion, it’s best to call restoration professionals. They have the tools and expertise to assess the full extent of the damage. They can also provide estimates for repairs. For wind damage, professionals can help you thoroughly document it for your insurance claim.

Specialized Restoration Services

Services like water damage restoration, mold remediation, and structural repair are best left to trained professionals. They can ensure the job is done correctly and safely. This prevents further damage and potential health issues down the line. If you suspect lightning damage, it’s also wise to get a professional opinion, as it can cause hidden electrical issues. Many homeowners wonder, “Does homeowners insurance cover lightning damage?” The answer is often yes, but professional assessment is key.

Making Temporary Repairs

In some cases, you might need to make temporary repairs to prevent further damage. This could include covering a hole in your roof with a tarp or boarding up a broken window. Always prioritize safety when doing this. If you are unsure, wait for professional assistance. These temporary measures can help mitigate further losses.

Protecting Your Property

Temporary repairs are about protecting your property until permanent solutions can be implemented. They can prevent rain from causing more water damage inside or stop pests from entering. Remember to document these temporary repairs as well. This is another part of the process of documenting damage for a claim.

Conclusion

Assessing your home for storm damage safely is a multi-step process. It begins with prioritizing your safety and checking for immediate hazards. Then, conduct a thorough exterior and interior inspection, documenting everything you find. Understanding your insurance policy is vital. Finally, don’t hesitate to call a professional right away for expert assessment and repairs. At Des Moines Damage Mitigation Pros, we understand the stress storms can cause. We are here to help you navigate the restoration process with expertise and care, ensuring your home is safe and sound again.

What are the most common types of storm damage?

The most common types of storm damage include wind damage to roofs and siding, hail damage that causes dents and cracks, and water damage from heavy rain or flooding. Trees falling on your property can also cause significant structural harm.

Should I attempt to fix storm damage myself?

For minor cosmetic issues, you might be able to do some DIY repairs. However, for anything involving structural integrity, electrical systems, extensive water damage, or roof repairs, it is always best to get expert advice today. Professionals have the training and equipment to handle these situations safely and effectively.

How long does it take to get an insurance adjuster out?

The time it takes for an insurance adjuster to visit can vary. After a major storm, adjusters are often in high demand. It can range from a few days to a couple of weeks. It’s important to contact your insurance company promptly after the damage occurs to get the process started.

What if my Homeowners Association (HOA) has insurance?

Your HOA may have insurance that covers common areas or specific structural elements of your property. It’s important to understand what their insurance policy covers and how it interacts with your personal homeowners insurance. You’ll need to know what does HOA insurance usually cover for storm damage to avoid confusion.

How do I prevent future storm damage?

While you can’t prevent storms, you can take steps to mitigate damage. Regularly maintain your roof, trim trees, secure outdoor items, and consider storm shutters for windows. Ensuring your gutters are clear and your drainage systems are working can also prevent water damage. These preventative measures can save you a lot of trouble.

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