Is your home safe after the storm, or are you identifying hurricane damage signs?

When a hurricane strikes, the visible aftermath of broken windows, fallen trees, or missing shingles is easy to spot. But what about the damage that isn’t immediately obvious? Florida homeowners, especially after a recent hurricane, often miss hidden structural issues that may only surface over time, causing expensive repairs and insurance complications. Identifying these signs early can save you from financial burdens and ensure your insurance claim covers all necessary repairs.

This article will discuss the most common hidden hurricane damage signs that homeowners overlook and what they should look for to protect their homes and their wallets.

5 Hidden Signs of Hurricane Damage to Watch For

1. Roof Leaks and Water Stains

Even if your roof appears intact outside, small cracks or loose shingles could let water seep into the attic or ceilings.

• Signs: Brown or yellow water stains on walls or ceilings, musty smells in the attic, or damp insulation.
• Why It’s Important: Unnoticed roof leaks can eventually lead to structural rot, mold growth, and compromised roofing.
• What to Do: Schedule a professional roof inspection, especially if you spot discoloration on the walls or ceilings.

See more: Why You Should Hire a Public Adjuster

2. Foundation Cracks and Uneven Flooring

Hurricanes cause the ground to shift, which can weaken your home’s foundation. The weight of standing water or soil erosion can also create hidden cracks in the foundation.

• Signs: Small cracks along walls or floors, uneven or sloping floors, and doors that no longer close properly.
• Why It’s Important: Structural cracks grow over time, jeopardizing your home’s stability and safety.
• What to Do: A structural engineer or public adjuster can assess the damage and determine if it’s claim-worthy.

3. Electrical Issues or Short Circuits

Heavy rain and wind can damage wiring or outdoor electrical units, even if they work fine after the storm.

• Signs: Frequent tripping of circuit breakers, flickering lights, or burnt odors near outlets.
• Why It’s Important: If left unchecked, electrical damage can lead to fires, posing a safety hazard.
• What to Do: Hire an electrician to inspect your wiring system. Catching these issues early could also bolster your insurance claim.

See more: How Can a Public Adjuster Help 

4. Mold and Mildew Growth

Florida’s humidity and post-hurricane moisture create the perfect environment for mold to thrive. Mold can grow inside walls and beneath flooring long before it becomes visible.

• Signs: Musty odors, respiratory symptoms, or black or green spots on walls and ceilings.
• Why It’s Important: Mold is dangerous to your health and expensive to remove if it spreads.
• What to Do: A public adjuster can help document mold damage and ensure your insurance covers the remediation cost.

5. Cracked Walls and Damaged Windows/Doors

The force of hurricane winds can weaken window frames, doors, and walls, even if they don’t appear broken.

• Signs: Fine cracks along walls, hard-to-open windows or doors, or visible warping of frames.
• Why It’s Important: Ignoring these signs can allow drafts and moisture to enter your home, leading to more extensive damage.
• What to Do: A professional inspection can reveal the full extent of the damage and determine if repairs are needed.

FAQs

1. What are common hidden damages after a hurricane?

Hidden damages include roof leaks, foundation cracks, electrical issues, mold growth, and compromised windows or doors that aren’t obvious immediately after the storm.

2. How do I check for water damage after a storm?

Look for water stains on ceilings, walls, or floors, and pay attention to musty smells. If you suspect hidden water damage, schedule a professional inspection.

3. Can I reopen a hurricane insurance claim after discovering new damage?

Yes, if you discover additional damage after your initial claim, you may be able to reopen the claim. A public adjuster can assist with the process and negotiate on your behalf.

4. How long do I have to file an insurance claim for hurricane damage in Florida?

In Florida, you typically have up to three years from the hurricane date to file a claim. However, it’s best to act quickly to avoid complications.

5. Is mold caused by a hurricane covered by insurance?

Most policies cover mold if it results from storm-related water damage. However, some insurers may try to deny these claims, making it crucial to have a public adjuster on your side.

Get Professional Help to Maximize Your Insurance Claim

Identifying hidden hurricane damage early can save you thousands in repairs, but it can also be challenging to document everything independently. Our network of experienced public adjusters can help you assess your home, document damages, and negotiate the best insurance payout to ensure no issue goes uncovered.

We’ll contact a trusted professional to help you file or reopen your claim if you suspect any hidden damage. Don’t let hidden issues drain your finances. Take action now to protect your home and get the compensation you deserve.