Severe storms can wreak havoc on homes and properties, often destroying buildings, belongings, and even lives. In the immediate aftermath, the focus is on cleaning up debris, making quick repairs, and restoring basic utilities. But the initial cleanup is only the first step in recovering from storm devastation. There are many hidden costs and long-term impacts from weather disasters that go far beyond the initial damage. Being aware of these lingering effects can help homeowners be better prepared for the full scope of storm recovery.
Major Structural Damage
One of the most significant concerns following major storm damage is the underlying structural integrity of the home or building. High winds, flooding waters, and debris impacts can severely compromise the stability and soundness of any structure. Foundations may shift or crack, walls can buckle, and rooftops get peeled away. On the surface, the basic frame may still be standing. But there could be severe structural weaknesses invisible to the naked eye. This vulnerability can lead to potential safety hazards, future collapses, or the need for major repairs down the road. Even smaller issues like window and door frames being out of alignment can cause major operational problems over time.
Getting a thorough structural engineering assessment after a storm is crucial. Professional engineers can identify points of failure, perform in-depth analyses, and determine critical repairs or reinforcements needed to restore structural integrity.
Indoor Environmental Concerns
Flooding, rain, and moisture intrusion during storms often create ideal conditions for allergen growth, mold development, and poor indoor air quality in a home. Drywall, carpet, and upholstery that get wet can appear perfectly fine at first. But damp materials are breeding grounds for mold, bacteria, and other biological contaminants in the weeks and months after a storm passes. Lingering moisture and high indoor humidity levels allow mold colonies to spread rapidly through concealed areas like wall cavities, attics, and crawlspaces. Molds release spores and mycotoxins into the air which act as respiratory irritants and allergens. This not only damages the home structure but also creates major health issues for occupants.
Remediation of extensive mold growth is expensive, invasive, and highly disruptive to daily life. The longer high moisture levels persist after a storm, the higher the contamination risk. Quickly drying out all materials, checking for hidden moisture, and maintaining proper ventilation are key to minimizing microbial growth. Air quality testing is also recommended after storms to identify any hazardous contaminants.
Increased Insurance Costs
Multiple storm damage claims on a single property can often lead to increased insurance costs down the road. Insurance providers rightfully view a home with repeated major repair needs as a higher-risk investment. Even with repairs, the susceptibility to damage remains. This results in raised premiums, dropped coverage, or even canceled policies for some high-risk properties. Homeowners may be unable to afford coverage or get denied entirely if claims are too frequent.
Having storm-resilient features like hurricane-impact windows and doors, water barriers, backup generators, and hail/fire-resistant roofing shows insurers your commitment to preventing damage. Implementing loss mitigation recommendations from insurers can also help reduce rates. Completing thorough repairs and renovations that go above minimum codes also adds value. Shopping around for insurance providers to find more competitive pricing after storms can keep coverage affordable.
Lost Income from Displacement
After extensive storm destruction, many homeowners face substantial displacement from their properties during repairs. Even with expedited reconstruction, it can take weeks or months before a home is safe and functional again. This means paying for temporary lodging in addition to mortgage payments and storm recovery costs. The inability to live in the home or operate a business at the property also results in major lost income during the displacement period.
While insurance will cover rebuilding, it does not make up for this indirect financial loss. For homeowners displaced from their primary residence, temporary housing costs may be reimbursed up to 20% of the policy limit. But there is no compensation for lost earnings. Having an emergency fund and planning for these contingent costs can offset some financial impacts. But unexpected disasters inevitably bring income interruptions.
Property Value Decline
Homes or buildings that sustain significant storm damage often see a gradual decline in property value over time. There is simply less buyer demand for a property with a history of hurricane impacts, frequent flooding events, hail damage claims, and expensive insurance premiums. Even after repairs bring the property up to pre-storm condition, residual stigmas about quality and safety bring the value down. Banks may require specialized property assessments before approving mortgages as well. And buyers will want assurances that the home’s susceptibility to damage has been reduced. Completing upgrades beyond minimum repairs, adding protective features, and thoroughly documenting all restorations made can help alleviate valuation concerns. But in general, a property that has sustained repeated storm losses faces an uphill battle to regain its former value.
Lost Memories and Keepsakes
When storms destroy homes, they also erase memories and destroy cherished belongings. Family heirlooms, photos, children’s art projects, and other irreplaceable mementos often get damaged or lost in the upheaval. The emotional toll of these losses lingers for years. Even if the structural rebuilding goes smoothly, recovering treasured items is impossible. Digitizing old family photos, videos, records, and documents can help preserve some memories if the originals are destroyed. Safely storing valuable irreplaceable items away from vulnerable areas of the home can also help protect precious belongings. But ultimately, material possessions can never be more valuable than human lives.
Emotional and Mental Health Toll
The trauma of surviving a severe storm, seeing your home destroyed, and trying to pick up the pieces afterward takes a significant toll on mental health. Post-storm stress, anxiety, grief, exhaustion, sense of loss, and depression are common long after the winds die down. The financial strain, bureaucratic battles, and continued life disruption compound emotional struggles. Mental health decline has been documented in storm survivors for years following initial recovery efforts.
Seeking professional counseling, connecting with others who went through similar experiences, taking time for self-care, and tapping into community resources can help cope with the trauma. Patience, understanding, compassion, and support from family, friends, and employers also makes a difference in long-term recovery. Prioritizing emotional well-being is just as important as physical rebuilding.
Recovering from the extensive scope of storm destruction takes enormous time, resources, expertise, and support. At Storm Damage, our disaster recovery consultants make this immense task more manageable for storm victims. We help homeowners and businesses thoroughly assess the visible and hidden costs of storm damage. Our experts coordinate structural repairs, navigate insurance claims, monitor indoor environmental risks, and develop comprehensive long-term recovery plans for your property. We know the frustrations of dealing with insurers and contractors first-hand. Let us handle the headaches while you focus on your family and future.
Contact us today to learn more about how our disaster recovery services get homes back to normal faster.
Visit our offices at 200 Lake Morton Drive, Suite 300, Lakeland, FL 33801.
Or call us today for a free consultation on (833) 941-7867.
Extreme wind events like hurricanes, tornadoes, and severe thunderstorms can cause major roof damage. When wind speeds exceed 90 miles per hour, the uplift forces can lift and peel away roof coverings, allowing water to penetrate into the home. Homeowners can take preventative measures to fortify their roofs and minimize potential damage from high-velocity winds.
Inspect and Repair Roof Decking
Start by thoroughly inspecting the roof decking, which is the solid surface underneath shingles, tiles, or other roof coverings. Look for any warped, cracked, or rotted boards and replace them as needed. Use hurricane clips, and special fasteners designed to withstand high winds, when installing new decking boards. Proper installation of roof decking creates a secure base for the roof covering.
Evaluate Roof Structure
The underlying roof structure must also be capable of withstanding powerful uplift forces. Connections between rafters and roof trusses should be firmly secured with metal hurricane ties. Trusses can be reinforced with additional gussets and framing anchors. Consult with a professional roofing contractor to identify and address any vulnerabilities in the existing roof structure.
Select Wind-Resistant Roofing Materials
The type of roof covering plays a significant role in wind resistance. Asphalt shingles are a popular choice, but owners should opt for impact-resistant versions rated to withstand winds up to 130 mph. Other excellent options include standing seam metal roofing, concrete and clay tiles, and synthetic slate or shingles. Whichever materials are chosen, they should comply with local building codes for high-wind events.
Properly Install Roof Coverings
How the roofing materials are installed makes a major difference. Asphalt shingles should be nailed or stapled, not just glued down. Metal panels need solid, consistent attachment to the roof deck. Flashing should be installed wherever the roof abuts walls or vertical surfaces, using waterproof, mastic sealant to prevent uplift. Roof coverings should overlap each other vertically up the slope, so that wind cannot peel them back.
Hire a Reputable Roofing Contractor
Homeowners should not attempt roof fortification as a DIY project. Hire a professional roofing contractor experienced in meeting wind resistance standards. They will ensure the roof covering and underlying structure are sufficiently strong. The contractor may also suggest supplemental options like roof deck strapping or sealants. Always verify the contractor’s credentials, training, and certifications before letting them work on your roof.
Working with Property Loss Claims Companies After Storm Damage
If extreme winds damage your roof despite preventative efforts, contact your property insurance provider promptly. Provide detailed descriptions of the damage and save photos/videos as evidence. Ask what information is required for filing a damage claim. The insurer may send out an adjuster to inspect the roof and do a damage assessment.
Research reputable local contractors approved by your insurance provider and solicit bids for the repair work needed. Submit all documentation within the claims filing timeframe. Communicate regularly with your claims adjuster throughout the claims process. Be aware that high demand after major wind events may delay the arrival of an adjuster and scheduling of repair work.
We’re here to help you get repair estimates as well as prepare and submit your claim.
Visit our office today at 200 Lake Morton Drive, Suite 300, Lakeland, FL 33801.
Call us for a free consultation on (833) 941-7867.
Dealing with storm damage can be challenging and stressful at many stages of the journey. Many homeowners face delays and claim denials when filing insurance claims after major storms. Properly assessing and documenting the damage is crucial to getting your claim approved. This article provides expert advice on how to thoroughly evaluate and record storm damage to your property.
As Soon as It’s Safe, Do a Walkthrough of Your Property
Once the storm has passed and it’s safe to go outside, do a thorough walkthrough of your property. Look for any signs of damage including:
Downed trees or tree limbs
Missing or damaged sections of roof
Broken windows
Collapsed walls or ceilings
Flooding
Damage to vehicles, fences, landscaping, etc.
Take photos and videos from multiple angles as you assess each area. Zoom in on any major damage. This visual evidence will be vital for your insurance claim.
Look for Both Obvious and Hidden Damage
Some damage like missing shingles or a collapsed carport may be clear. But storms can also cause hidden damage you’ll need a professional to find like:
Structural damage to the foundation or roof framing
Electrical issues from water or winds
Mold growth inside walls or under flooring
Clogged gutters/drainage issues leading to interior water damage
Don’t assume your house survived unscathed just because you don’t see major destruction. There could be severe damage behind the walls or under the flooring that an adjuster won’t find unless you point it out.
Sagging or misaligned areas that could signal structural damage
Exposed nail heads that allow water intrusion
Leaks may form days later so look for water stains on ceilings and walls too. Even a single missing shingle can eventually lead to major roof and interior water damage.
Check for Structural Damage
Strong winds, flooding, and fallen trees can all undermine the structural integrity of a home. Look for:
Cracks in foundations or separating walls
Doors/windows out of alignment indicating shifting
Leaning posts, stairs, or sloping floors
Cracks or buckling in ceilings/walls
Have an engineer thoroughly assess any questionable areas. Repairing structural damage is expensive so you want to document it early for your claim.
Examine the Exterior
Storms wreak havoc on a home’s exterior. Carefully inspect:
Siding for missing, cracked, or detached areas
Damaged entryways, railings, decks
Downed or damaged patio covers/carports
Broken gutters/downspouts leading to water intrusion
Damage to sidewalks, driveways and landscaping
Look at fencing, gates, pools, and outdoor structures too. Even small exterior damage adds up cost-wise when repairing multiple areas.
Document Interior Damage from Flooding/Wind
Storm water and winds can damage home interiors. Record any:
Drywall/insulation damage from flooding
Water stains on walls, floors or ceilings
Peeling paint or buckling floors from water saturation
Doors and windows that no longer close properly due to wind damage
Broken glass, mirrors, cabinets, and other items smashed by winds
Look for mold growth and document any musty smells. Discoloration or bubbling carpet also signals interior water damage.
Document Everything with Detailed Notes
In addition to photographs and video, you should also document your damage with written notes. For each area of the property, record details like:
Type and extent of damage (missing shingles, cracked windows, detached gutter, etc.)
The date you noticed the damage
If the damage was present before the storm
Any previous repairs done in that area
This creates a thorough record of every damaged area for insurance and contractor estimates. If there are any disputes later on about what was original storm damage, your notes will provide crucial evidence.
Contact Your Insurance Company Right Away
You should notify your insurance company as soon as possible after the storm passes and you’ve assessed the damage. Per your policy, you likely have a limited window of time to report a claim. Filing quickly also shows the damage happened during the storm, not after.
Provide as much documentation as you can including your damage notes, photos, and any contractor estimates you’ve acquired. Ask about getting an advance payment if you need immediate funds for emergency repairs like covering broken windows.
Work with an Independent Adjuster
Insurance companies often send out staff insurance adjusters to evaluate damage and write up estimates. But these adjusters work for the insurance company, not you. Their damage reports may downplay or omit damage to minimize what your insurer pays out.
Request an independent insurance adjuster who only works for you, the policyholder. They act as your advocate to ensure you get full and fair compensation. Research shows independent adjusters get homeowners bigger claim payments plus they take the burden of negotiating with insurance off your shoulders.
Hire Reputable Contractors for Repair Estimates
Your insurer will compare your damage estimates with ones from their own contractors when determining claim payment. To maximize your payout, get repair quotes from highly-regarded local contractors familiar with storm restoration.
Check reviews and ask neighbors for referrals. Avoid brand-new contractors who pop up after storms to scam desperate homeowners. A detailed estimate from an established contractor can justify why you need more funds to properly repair or replace your home.
Have Professionals Check Key Systems
Storms can damage systems like electrical, HVAC, and plumbing in ways you may not notice. Have professionals inspect:
The electrical system for damaged wiring or panels
Appliances for water damage or electrical shorts
AC unit and ductwork for clogs or leaks
Plumbing for broken pipes or clogged drains
Document any issues needing repair. You want to fix these before secondary damage happens if a system fails further.
Calculate Temporary Housing Costs
If your home is uninhabitable while repairs are made, your policy may cover temporary housing costs. Make sure to factor in expenses like:
Renting a similar property for the estimated repair period
Storage fees for furniture and belongings
Increased transportation costs if displaced far from your home
Hotel bills if repairs happen quickly
Save receipts and track expenses to submit for reimbursement. Not tallying these costs could leave you financially strained.
Push Back If Your Claim is Undervalued
Sadly, insurance companies often lowball storm damage claims on the first assessment. Don’t just accept a minimal payout that won’t fully cover repairs. Dispute any underestimated costs and point to your documentation like contractor estimates that show more extensive repairs are needed.
Be firm that you must be compensated for all storm-related damage based on your policy coverage. Retaining legal counsel familiar with storm insurance claims may help resolve underpayment issues so you can fully repair your home.
Seek Legal Help if Your Claim is Denied
In worst-case scenarios, insurers may attempt to fully deny a storm damage claim, alleging the issues predated the event or are excluded by your policy. Never let a claims denial go uncontested! Immediately consult with an attorney to appeal the decision and get your claim properly reopened and paid.
With legal representation, you can push back against wrongful denials and any claims handling errors made along the way. An attorney can also help you maximize the policy benefits you’re owed when the damage is catastrophic. Don’t go it alone against the insurance company’s team of lawyers if your claim has been denied. With an advocate in your corner, you have strong legal recourse.
Get Help from an Experienced Storm Damage Attorney
Dealing with insurance after a devastating storm can quickly become overwhelming. An experienced storm damage lawyer can provide invaluable help securing the maximum claim settlement you’re entitled to. If your insurance provider isn’t covering the complete cost to repair your home, contact our office today to learn about your legal rights and options.
Visit our office at 200 Lake Morton Drive, Suite 300, Lakeland, FL 33801.
Or call us for a free consultation on (833) 941-7867.
As hurricane season approaches, it’s crucial for homeowners to take proactive steps to protect their property and minimize potential storm damage. By implementing the following tips, you can safeguard your home and increase your chances of a smooth recovery in the event of a hurricane.
Create a Hurricane Preparedness Plan
Develop a family communication plan, including emergency contacts and meeting places
Identify the nearest hurricane shelter and evacuation routes
Stock up on essential supplies, such as non-perishable food, water, batteries, and first-aid kits
Keep important documents, such as insurance policies and identification, in a waterproof and portable container
Plan for pet safety, including securing necessary supplies and identifying pet-friendly shelters
Assign roles and responsibilities to family members to ensure everyone is prepared and knows what to do in an emergency
Protect Your Home’s Exterior
Secure Windows and Doors
Install storm shutters or impact-resistant windows to protect against high winds and flying debris
Reinforce garage doors with hurricane panels or bracing kits
Use weatherstripping and caulk to seal gaps and cracks around windows and doors
Consider installing reinforced entry doors to provide additional protection against strong winds
Maintain Your Landscaping
Trim trees and shrubs to reduce the risk of falling branches
Remove dead or dying trees that could pose a threat to your home
Secure outdoor furniture, decorations, and loose objects that could become projectiles in high winds
Clean up yard debris and dispose of it properly to prevent it from becoming hazardous during a storm
Ensure proper drainage in your yard to minimize the risk of flooding and erosion
Inspect and Fortify Your Roof
Have a professional assess your roof’s condition and make necessary repairs
Consider installing hurricane straps or clips to strengthen the connection between your roof and walls
Clear gutters and downspouts to ensure proper water drainage
Install roof underlayment or secondary water barriers for added protection against leaks
Secure loose shingles or tiles to prevent them from being torn off during high winds
Safeguard Your Home’s Interior
Prepare for Power Outages
Invest in a portable generator and learn how to use it safely
Keep flashlights, batteries, and a battery-powered radio on hand
Consider installing a backup battery system for essential appliances, such as refrigerators and medical equipment
Charge electronic devices and have extra battery packs available
Stock up on non-perishable food and bottled water in case of extended power outages
Protect Valuable Items
Move valuable items, such as electronics and artwork, to higher ground or a waterproof safe
Digitize important documents and store copies in a secure, off-site location
Consider purchasing flood insurance to protect your belongings from water damage
Take an inventory of your possessions, including photos and serial numbers, for insurance purposes
Pack a “go bag” with essential items, such as clothing and medications, in case you need to evacuate quickly
Create a hurricane kit containing a manual can opener, a whistle to call for help, and a fire extinguisher
Make sure you have cash at hand – during bad storms, power outages may limit access to ATMs and credit card machines.
Prepare for Flooding
Install check valves in plumbing to prevent sewage backups
Elevate appliances, such as water heaters and air conditioning units, above potential flood levels
Keep sandbags or alternative flood barriers on hand to divert water away from your home
Consider installing a sump pump with a backup power source to remove excess water
Familiarize yourself with your community’s flood evacuation routes and emergency procedures
Stay Informed and Connected
Monitor local news and weather reports for updates on the hurricane’s path and intensity
Sign up for emergency alerts from your local government or weather service such as the National Hurricane Center
Follow instructions from local authorities regarding evacuation orders or other safety measures
Keep a list of important contacts, including family members, friends, and local emergency services. Ask them to keep copies of important documentation if required
Establish a communication plan with out-of-area contacts who can relay messages if local lines are down
Stay connected with neighbors and community members to share resources and support one another
Review Your Insurance Coverage
Understand your insurance policy’s coverage for hurricane damage, including deductibles and limitations
Document your home’s condition and contents before the storm hits, using photos and videos
Keep records of any repairs or improvements made to your home
If your home sustains damage, contact your insurance company promptly to file a claim
Be prepared to provide evidence of damage and keep detailed records of all communication with your insurance company
Consider hiring an attorney to help you navigate the claims process and ensure you receive a fair settlement
In the aftermath of a hurricane, navigating insurance claims can be a daunting task. If you find yourself in a dispute with your insurance company over the extent of your coverage or the amount of your payout, it’s essential to seek experienced legal representation. Our law firm specializes in advocating for homeowners and negotiating with insurance companies to ensure you receive the compensation you deserve. We understand the complexities of insurance policies and can help you fight for your rights as a policyholder.
Our team of skilled attorneys has a proven track record of success in handling hurricane damage claims. We work tirelessly to gather evidence, assess the extent of your losses, and negotiate with insurance companies on your behalf. With our expertise and dedication, you can focus on rebuilding your life while we handle the legal aspects of your claim.
Don’t let insurance companies take advantage of you during this challenging time. Contact us for more information on how we can help you recover from hurricane damage and protect your rights as a policyholder. Our compassionate and knowledgeable staff is here to guide you through every step of the process and ensure that you receive the maximum compensation available under your policy.
You can visit our office at 200 Lake Morton Drive, Suite 300, Lakeland, FL 33801.
Or call us today for a free consultation on (833) 941-7867.
No one wants to deal with the aftermath of a major storm, but unfortunately, it’s a reality many homeowners face. Whether it’s damage from high winds, heavy rain, hail, or a combination, the process of filing an insurance claim can be daunting. However, taking the right steps can help ensure you get the coverage you’re entitled to and get your home repaired as quickly as possible.
Here’s what to do when your home is damaged by a storm.
Document the Damage
The first and most important step is to thoroughly document all the damage to your home. This means taking detailed photos and videos, making notes about the extent and location of the damage, and keeping any receipts for emergency repairs or other expenses. The more comprehensive your documentation, the stronger your insurance claim will be.
It’s also a good idea to make a list of all damaged or destroyed items, including their age, purchase price, and estimated replacement cost. This will come in handy when you’re filing your claim.
Contact Your Insurance Provider
As soon as it’s safe to do so, contact your insurance company to report the damage and file a claim. Most providers have 24/7 hotlines or online reporting tools to make this process as easy as possible.
Start Emergency Repairs
In many cases, you’ll need to take immediate action to prevent further damage to your home. This could mean tarping a damaged roof, boarding up broken windows, or removing water from flooded areas.
Keep all receipts for the materials and labor used for these emergency repairs, as your insurance provider may reimburse you for those costs. Just be sure to get approval from your insurer before undertaking any major work.
Work with Your Adjuster
Once you’ve filed your claim, an insurance adjuster will be assigned to your case. They will inspect the damage to your home and provide an estimate of the repair costs.
When the adjuster arrives, have all your documentation ready. Walk them through the damage, point out any areas of concern, and provide your own estimate of the costs involved. The more information you can provide, the better.
If you disagree with the adjuster’s findings, don’t be afraid to negotiate or request a second inspection. Your insurance policy entitles you to a fair settlement, so stand your ground if you feel the initial offer is insufficient. Our team is here to help you resolve any claim issues.
Be Patient and Persistent
Filing an insurance claim after a major storm can be a lengthy and frustrating process. There may be delays, bureaucratic hurdles, and unexpected complications along the way. The key is to stay patient, persistent, and meticulous in your documentation.
Don’t hesitate to follow up with your insurance provider, request status updates, and push for a timely resolution. The more proactive you are, the better your chances of getting the coverage you deserve and restoring your home to its pre-storm condition.
Do you need help filing a property loss claim after a storm? Visit our office at the following address.
200 Lake Morton Drive, Suite 300, Lakeland, FL 33801.
Call us today for a free consultation on (833) 941-7867.