The Most Overlooked Issues Homeowners Face After a Storm

After a major storm, homeowners typically check for roof damage, broken windows, or fallen trees—but hidden damage can go unnoticed until it’s too late. Identifying small but serious property issues early is crucial to filing an insurance claim before deadlines pass.

Common Types of Hidden Storm Damage

• Foundation cracks – Heavy rain can shift soil, causing cracks and settling in foundations.
• Water intrusion behind walls – Moisture buildup can lead to mold, rot, and insulation damage.
• Damaged flashing and vents – Small roof leaks can lead to expensive interior damage if not addressed.
• Structural weakening – Wind can loosen siding, gutters, and support beams, creating long-term problems.

How to Check for Hidden Damage

1. Inspect your attic and ceilings for leaks after heavy rain.
2. Look for small cracks in walls and floors that weren’t there before.
3. Check for mold growth or musty odors—signs of trapped moisture.
4. Hire a professional home inspection to catch hard-to-spot damage.

Why You Shouldn’t Wait to File a Claim

Many insurance policies have strict deadlines for storm-related claims. If hidden damage isn’t reported in time, your insurer may deny your claim later—even if the damage was caused by the storm.

If you suspect hidden storm damage, consult an expert before it’s too late. Payne Law can help you navigate your insurance claim and fight for the coverage you deserve.