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What Are the Most Common Types of Storm Damage?

Last updated October 26, 2026

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The short answer

Roof and Siding Damage

High winds can lift or tear off shingles, leaving your roof vulnerable to rain. Hail can dent or crack shingles, and even small punctures allow water to seep into the attic and walls. Siding may be dented, cracked, or pulled loose, exposing the sheathing underneath.

After a storm, check for missing or loose shingles, granule loss in gutters, and any visible gaps in siding. Water stains on ceilings or walls often signal roof leaks. If you spot damage, a professional can assess the extent and recommend repairs or replacement.

Water Intrusion and Flooding

Heavy rain can overwhelm gutters and downspouts, causing water to pool around your foundation and seep into basements or crawl spaces. Wind-driven rain can force water through windows, doors, and vents. Flash flooding may push water into lower levels, damaging floors, walls, and belongings.

Standing water inside your home is a serious concern because it can weaken structures and promote mold growth. Remove excess water quickly if it is safe, and dry out affected areas. For significant flooding, professional water removal and drying equipment are often necessary to prevent long-term issues.

  • Check gutters and downspouts for clogs and damage
  • Look for water stains on ceilings, walls, and floors
  • Inspect windows and doors for gaps or seal failures
  • Watch for damp spots in basements or crawl spaces
  • Document any wet materials with photos for your insurance

Fallen Trees and Debris

Strong winds can snap branches or uproot entire trees, which may strike your roof, walls, or vehicles. Even smaller debris like branches and loose shingles can become projectiles, breaking windows or damaging siding. The weight of a fallen tree can cause structural cracks or collapse parts of your home.

If a tree hits your house, prioritize safety by staying clear of the damaged area. Do not attempt to remove large limbs yourself, as they may be under tension. A professional can safely remove debris and assess any structural damage to your home.

Lightning and Electrical Surges

Lightning strikes can cause fires, especially if they hit your roof or attic. Even indirect strikes can send power surges through your home's electrical system, damaging appliances, electronics, and wiring. Surge protectors can help, but they do not always stop a direct hit.

After a storm, check for burnt smells, tripped breakers, or flickering lights. If you suspect electrical damage, turn off power at the main breaker and call an electrician. Never touch wet electrical panels or appliances.

Documenting the Damage

Before any cleanup begins, take photos and videos of all damage, including close-ups and wide shots. Note the date and time of the storm, and list each affected area of your home. This documentation helps when you file an insurance claim and ensures nothing is overlooked.

Keep receipts for any temporary repairs, like tarping a roof or boarding windows. Your insurance company will use this information to process your claim. Policies vary, and your insurer decides what is covered. If you live in Chapel Hill, keep your important documents in a waterproof container.

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Water keeps spreading into floors and walls, so it is worth acting early. Calls are answered 24/7.

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Frequently asked questions

How soon should I inspect my home after a storm?

Inspect as soon as it is safe, ideally within a day or two. Look for visible damage like missing shingles or broken windows. Check for water stains inside. Quick action helps prevent further issues, but wait until the storm has fully passed.

Can I make temporary repairs myself?

Yes, for safety and to prevent more damage. Tarp a leaking roof, board up broken windows, and remove standing water if it is shallow. Keep all receipts for materials. However, leave major structural repairs to professionals.

What should I do if I find water in my basement?

Stop the water source if possible, like clearing a clogged drain. Remove items that can be damaged, but avoid contact with floodwater that may be contaminated. Dry the area with fans and dehumidifiers if safe. For deep water, call a professional.

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