How Do I Know If Storm Damage Is Structural?

After a storm, check the obvious places first. Look at the foundation for new cracks, especially ones wider than a quarter inch or that run in a stair-step pattern up brick or block. Check the exterior walls for bulges or leaning sections.

Inside, walk through each room and note any doors or windows that stick or no longer latch. A door that used to close easily and now rubs against the frame can mean the wall has shifted. Also look at the ceiling for sagging or a visible dip in the roofline.

• New or widening cracks in drywall or plaster
• Cracks in the foundation or chimney
• Bowed or sagging roof ridge line
• Floors that feel springy or slope noticeably
• Gaps where walls meet ceilings or floors
• Nails popping out of drywall or siding

A structural engineer is the person who can tell you if the damage is cosmetic or if the home's frame is compromised. You can hire one directly, or your insurance company may arrange for an inspection. Policies vary, and your insurer decides what is covered.

The engineer will measure cracks, check the level of floors and walls, and look at the roof and foundation. They will give you a written report that explains what needs to be fixed and in what order. This report is the basis for any repair work.

• Cracks wider than 1/4 inch
• Multiple cracks in the same area
• A roof that sags or dips
• Floors that bounce when you walk
• Exterior walls that lean inward or outward

While you wait for the engineer, you can reduce further harm. Cover broken windows or roof holes with a tarp to keep rain out. Move furniture away from wet walls and remove soaked rugs. Do not throw away damaged items until the insurance adjuster has seen them.

Storms can bring heavy rain and snow, so keep your gutters clear and trim overhanging branches to lower the risk of water getting into the structure. Acting quickly now can save you from more costly repairs later.