Check for safety first by looking out for downed power lines and putting on safety gear before starting any inspection. Walk around your home to look for damage, working your way from the top of the roof all the way down to the ground level. Take clear pictures and write down everything you find wrong, such as loose or missing roof shingles, damaged gutters, broken windows, and any cracks in walls. Keep good records of all damage to help with insurance claims. Look carefully in spots where damage might be hard to see – you may need an expert to check these areas more closely.
Key Takeaways
- Wait for official clearance to enter storm-damaged areas and wear protective gear like boots, gloves, and eye protection.
- Inspect the roof thoroughly for damaged shingles, holes, or cracks, and check gutters for debris blockage.
- Document all damage with photos and videos before cleanup, keeping samples of damaged materials for insurance claims.
- Examine windows and doors for broken glass, bent frames, and proper functionality.
- Check exterior walls for cracks or splits that might indicate structural damage requiring professional assessment.
Essential Safety Precautions Before Inspection
Stay out of storm-damaged areas until local officials say it’s safe to return. This helps keep you away from hidden dangers like weak buildings and gas leaks.
Start by checking your property from the outside, watching for fallen electrical wires and any warning signs placed by safety teams.
Wear the right safety items – tough boots, heavy gloves, and eye protection – when looking at storm damage.
Keep children away and with trusted adults during the first check of damage to keep them safe and prevent upset. Don’t go inside buildings marked as dangerous until officials give you permission.
For comprehensive protection, consider having professional restoration experts assess your property as they have specialized tools and training to identify hidden structural damage.
Exterior Structural Assessment
Checking a building’s outside structure helps find damage from storms. Start at the roof – look for broken, bent, or missing shingles that might let water leak in. Make notes of any holes or openings since you’ll need these details for insurance.
Move step by step around the outside walls to spot signs of damage like cracks or splits. Check that rain gutters are clean to stop water from backing up and harming the roof.
Pay close attention to windows and doors – search for broken glass, bent frames, and any parts that don’t work right. Look at how door frames are attached and where water might get in.
This careful check helps find weak spots that need quick fixes and gives you important records for your insurance company.
Wind damage can be especially destructive to windows and roofing materials during severe storms.
Identifying Roof and Gutter Damage
Looking for roof and gutter damage means checking from different angles to find all problems.
Start by looking for broken, bent, or missing shingles that leave your roof exposed, especially after bad storms like tornados.
Check carefully for any small holes, openings, or cracks in roof tiles that might let water leak into your house.
Look at your gutters and downspouts to make sure they aren’t packed with leaves and debris, since blocked gutters can cause water to back up and leak.
Make note of any dents from hail or marks from things that hit the roof during strong winds.
Pay special attention to your chimney, since damage there could mean bigger problems or leaks that need to be fixed right away.
Regular roof maintenance checks performed twice per year can prevent up to 95% of serious roofing problems from developing.
Window and Door Evaluation
Window and Door Assessment
Checking windows and doors is a key step when looking at storm damage. Experts check for broken glass, damaged frames, and spots where water might get in and cause bigger problems.
Main things to check:
- Looking at window glass for breaks or hits, then covering damaged windows with plywood right away.
- Checking if window frames are bent, dented, or pulling away from walls due to strong winds or flying objects.
- Making sure doors open and close properly, and looking around them for signs of water leaks.
When finding damage, take pictures and notes right away and cover up broken areas. This step-by-step process helps stop more damage from rain and wind while waiting for repairs, keeping the house safe and strong. Installing dual-pane windows can reduce outside noise by up to 50% while providing better protection against future storms.
Foundation and Ground-Level Checks
Switching from window checks to ground level, checking the foundation is a key part of finding storm damage.
Walk around your house’s base and look for any cracks, movement, or sinking that might show storm-caused weakness in the structure.
Look closely at the soil around the foundation, especially where heavy rain or floods hit.
Check for soil that washed away or moved. If you spot water pooling near the foundation, deal with it right away – it can seep in and damage your house.
Also check outer walls for any bulges or curves, which might mean the foundation shifted because of wet ground.
Don’t forget to look at your driveway and walkways – new cracks there could point to foundation problems.
Write down everything you find.
Documentation and Evidence Collection
Recording Storm Damage
Taking pictures and notes right after a storm helps with insurance claims and fixing your home.
Take photos, videos, and write down what you find before you start cleaning up. Look over your home carefully and keep all records in order to back up your insurance claim.
Key steps to record damage:
- Take many photos and videos of damage in each room – label each picture clearly to show what and where it is.
- Write down details about damaged items, including brand names and serial numbers of valuable things.
- Keep pieces of damaged materials like carpet, floor tiles, or other home parts to show how bad the damage is.
Following these steps helps create clear proof of damage for insurance agents and repair workers to review.
Professional Inspection Requirements
Professional Inspection Rules
Getting a proper inspection is a key part of checking storm damage to homes. Homeowners need to hire skilled roofing experts who know how to spot and assess damage from storms. These experts must have proper licenses and insurance.
The inspection needs to look closely at the roof, outside walls, and basic house structure. Inspectors must check hidden spots like attics and crawl spaces, looking mainly for water damage that could lead to mold.
Written reports from these checks, with cost estimates and what they found, help prove claims to insurance companies. Before picking an inspector, check their work permit, what local people say about them, and how well they’ve done their job in the past.
Getting an inspection done quickly after a storm helps make sure all proof meets what insurance companies need to handle claims.
Insurance Claim Preparation Steps
Storm damage requires clear steps for filing an insurance claim properly.
Taking the right steps in order and keeping good records helps ensure you get the coverage you need.
Main steps to follow:
- Call your insurance company right away to start your claim, then send them an email to create a written record of your contact.
- Take many clear photos and videos of all damage, keeping them organized by which room they’re from and what kind of damage they show.
- Schedule visits with insurance adjusters and qualified repair contractors, save pieces of damaged materials, and track all costs carefully.
Don’t remove fallen trees or start big repairs until the insurance adjuster looks at the damage.
Making changes too soon could hurt your chances of getting your claim approved.
Frequently Asked Questions
How Do You Assess Storm Damage?
Look for storm damage by checking your property step by step. Walk around and check your roof, walls, gutters, windows, and yard carefully. Watch for clear signs of damage, but also look for less obvious problems that might be hidden beneath the surface. Pay special attention to loose materials, cracks, water spots, and any changes in how things look or work. Keep a list of what you find to help prevent future damage and plan repairs.
How to Check for Roof Damage After Storm?
Look for loose, broken, or bent shingles on your roof. Check inside your home for water spots on ceilings and walls, which point to roof leaks. Test the roof’s strength by looking for weak or damaged areas. Make sure your gutters are clean and not packed with leaves, sticks, or storm debris.
Does Insurance Cover Storm Damage to House?
Most home insurance plans pay for damage caused by storms. Insurance will cover repairs to your house and replace damaged items inside, but you’ll need extra coverage if your home floods. Before filing a claim, check how much you’ll need to pay first (your deductible) and learn the right steps to report damage. This helps make sure your insurance company will approve your claim.
What Qualifies as Storm Damage?
Storm damage happens when bad weather harms your property. This includes torn or missing roof shingles from strong winds, dents and breaks from hailstones hitting your home, water getting inside from heavy rains, and trees falling onto buildings. All these problems must come from actual storms or severe weather events.
Conclusion
Post-storm damage assessment requires systematic documentation and thorough evaluation of all structural components. Our team at MWCR Homes recommends property owners compile detailed photographic evidence, written descriptions, and professional inspection reports to support insurance claims. Following established inspection protocols while maintaining safety precautions guarantees accurate damage identification. Timely reporting and proper documentation considerably impact claim outcomes and facilitate efficient restoration processes, which is why our experts at MWCR Homes can assist you with comprehensive storm damage evaluations.