What Types of Home Damage Does a Storm Cause?

Heavy rain can overwhelm gutters and downspouts, sending water down exterior walls and into crawl spaces or low-lying areas of the home. Flooding from overflowing rivers or storm surge can soak drywall, insulation, and wood framing, leading to swelling and rot. Standing water also creates a damp environment where mold can grow within a day or two.

Check your roof for missing shingles, and inspect the seals around windows and doors. Water often enters through small gaps you cannot see from inside. If you notice stains on ceilings or walls, that indicates water has already traveled through the structure. Address leaks quickly to limit the spread of moisture and reduce the chance of secondary damage.

• Saturated drywall and insulation
• Warped or buckled wood floors
• Swollen door frames and window sills
• Rust on metal fixtures and appliances
• Mold growth on porous surfaces

Hailstones can hit roofs, siding, and windows with enough force to cause dents, cracks, and punctures. Even small hail can damage older or brittle materials. The impact may not be obvious right away, but granules from asphalt shingles can accumulate in gutters, signaling surface wear.

Debris carried by high winds can strike your home from any direction, leaving dents in metal siding, chips in stucco, and cracks in glass. Check skylights, vents, and chimney caps for signs of impact. These small openings can let water in during the next rain, so repair them before another storm hits.

Before any cleanup begins, take clear photos and videos of all damage, including close-ups and wide shots. Note the date and time of the storm and list each affected area. This documentation helps you track repairs and provides a record for your insurance company. Policies vary, and your insurer decides what is covered.

Act quickly to dry out wet areas and remove standing water to reduce mold growth. Move furniture and belongings to dry spots if possible. Contact local water damage pros to inspect hidden moisture in walls and under floors. They can identify issues you might miss and help you understand what repairs are necessary.

Keep your shutoff valve location written down so you can stop water flow quickly after a storm. Also, have a list of emergency contacts ready, including a plumber and an electrician. Being prepared makes the recovery process smoother and less stressful.

• Take dated photos of every damaged area
• Move valuable items to higher ground
• Dry wet carpets and upholstery quickly
• Check attic for hidden leaks
• Keep receipts for any supplies you buy