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Storm damage can pose a number of risks to a home and its occupants, including:
Structural damage: Strong winds, hail, and heavy rain can cause significant damage to a home's roof, walls, windows, and foundation. This damage can compromise the structural integrity of the home, making it unsafe to live in until repairs are made, if they're even possible.
Water damage: Water can enter a home through damaged roofs, windows, and doors, causing flooding and saturation damage to walls, floors, and furniture. Water damage can also lead to mold growth, which can pose health risks to occupants if not addressed quickly.
Fire hazards: Lightning strikes during storms can cause fires that can quickly spread throughout a home, causing extensive damage and putting occupants at risk if the home is not properly grounded.
Electrical hazards: Storms can knock down power lines and cause electrical surges that can damage electrical systems in homes. This can pose a fire hazard and put occupants at risk of electric shock.
Health hazards: Storm damage can also create health hazards such as exposure to hazardous materials like asbestos or lead, or exposure to standing water, which can harbor bacteria and other harmful organisms if not addressed quickly. If water has entered the home, it is best to contact a contractor and reputable mitigation company to come inspect your home as soon as possible to avoid growth of hazardous bacteria within the walls
Financial damage: Repairing storm damage can be expensive, and homeowners may find themselves facing unexpected repair costs that can put a strain on their finances. However, if you are properly insured, you may be entitled to invoking your coverage benefits under your policy. Contact your agent to obtain a detailed outline of your current policy. It is also best to obtain contact information to a reputable independent public adjuster who can coach you on your best options when facing an insurance claim.
It is important for homeowners to take precautions to protect their homes and prepare for potential storm damage, such as ensuring that their insurance policies are up to date and securing loose items outside the home that could become projectiles during high winds. We also suggest contacting a reputable contractor who can become familiar with your property, documenting its current condition now and after a storm affects your home.