What is the difference between storm damage and regular water damage?
Storm damage usually involves damage to the building itself as well as water damage. A roof is open, a window is broken, or a wall is compromised. The building envelope has to be repaired before the structure can dry. Regular water damage from a burst pipe or a sump failure does not usually involve structural damage.
In a storm event, the technician focuses on stopping the water from entering further (tarping, board-up) and drying what is already wet. Meanwhile, the roofer and carpenter are called to repair the building. These work in parallel.
The drying work can proceed while repairs are being scheduled, so the water damage is mitigated while the permanent repairs are arranged.
How fast does a storm-damaged roof need to be tarped?
As soon as the weather permits. While it is still storming, tarping is dangerous and not safe. Once the wind and rain slow, a tarp should be placed within hours to prevent more water from entering. Every hour the opening exists is another chance for rain to soak the building.
A temporary tarp is a short-term solution; the roof still needs to be repaired by a roofer. The technician arranges the tarp as an emergency stabilization step. The roofer then schedules the permanent repair.
Is storm damage covered by homeowners insurance?
Most sudden, violent weather damage is covered by homeowners insurance: wind, hail, and damage from severe storms. Flood damage is excluded unless you have flood insurance. Check with your insurer immediately after the storm.
Report the loss early, photograph the damage from the outside and inside before anything moves, and keep documentation of the water level and the extent of the wet area. Your insurer will send an adjuster and will coordinate with the contractors.
The damage restoration technician, the roofer and other contractors may work for a network that works with your insurer, or they may be contractors of your choice. Know your policy before a storm happens.
What is board-up and why is it needed?
Board-up is temporary plywood or metal panels placed over broken windows, missing doors or wall openings to protect the interior from weather and intruders. It is needed when windows are broken and it will take days or weeks to get replacement windows. It protects the building while repairs are being arranged.
Board-up is a temporary measure only. The permanent repair is new windows, doors or siding. The board-up protects the building, keeps the security intact, and allows drying work to proceed inside the sealed space.
How long does storm damage drying take?
It depends on the extent of the damage and how much insulation and framing got wet. A light wind-and-rain damage might dry in a few days once the roof or window is closed. A severe event that opened a whole section of the building and saturated insulation can take weeks.
Daily moisture readings show the progress. Once the building envelope is closed, drying proceeds much faster. The technician monitors readings until the structure reaches the baseline dry target for the unaffected part of the building.
Do not assume the building is dry just because it feels normal. The readings are the proof; nothing is sealed, rebuilt or painted until those readings reach the target.