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Common Types of Hurricane Damage and How to Spot Them

Florida homeowners know that hurricane season brings more than just strong winds and heavy rain—it can bring serious damage to your property that isn’t always obvious at first glance. Whether you’ve just weathered a storm like Hurricane Milton, or you're preparing for the next big one, knowing what damage to look for can save you thousands in repairs and potential claim denials.

Here’s a guide to the most common types of hurricane damage—and how to spot the signs early before they become major headaches.

🏚️ 1. Roof Damage

Your roof takes the brunt of a hurricane’s force, and even minor damage can lead to long-term issues like leaks, mold, and structural problems.

Signs to Watch For:

Missing or curled shingles
Water stains on ceilings or walls
Debris or branches on the roof
Loose flashing around vents or chimneys
Granule buildup in gutters (from shingle erosion)

💡 Pro Tip: Use binoculars or a drone for a safe roof inspection—or hire a professional to check for hidden damage.

🌊 2. Flood and Water Damage

Storm surge and heavy rainfall can cause flooding, even in areas not designated as flood zones.

Signs to Watch For:

Warped flooring or soggy carpets
Musty odors or visible mold growth
Water lines or discoloration on walls
Pooling water in crawlspaces or basements
Water-stained insulation or drywall

⚠️ Important: Standard homeowners insurance usually does not cover flood damage. You need separate flood coverage through FEMA’s National Flood Insurance Program.

🌬️ 3. Wind Damage

Hurricane-force winds can exceed 100 mph, strong enough to tear off roofs, smash windows, and topple fences.

Signs to Watch For:

Damaged siding, gutters, or soffits
Broken or cracked windows
Uprooted trees near your home
Detached outdoor equipment or fencing
Bent or broken garage doors

💡 Check not just your house, but also the surrounding property—wind-blown debris can cause secondary damage.

🦠 4. Mold Growth

Mold thrives in moist, warm environments—making Florida homes especially vulnerable after a hurricane.

Signs to Watch For:

A persistent musty smell
Dark spots or streaks on walls or ceilings
Allergy-like symptoms (sneezing, coughing, itchy eyes)
Peeling paint or bubbling wallpaper

🔍 Mold can spread quickly and isn’t always visible—mold testing and remediation may be necessary after water intrusion.

🔌 5. Electrical System Damage

Power surges, water intrusion, and fallen trees can all impact your home’s electrical systems.

Signs to Watch For:

Flickering lights or power outages
Burned outlets or scorched wiring
Non-functioning appliances
Exposed wires or water in electrical panels

⚠️ Never attempt DIY electrical repairs after a storm—always call a licensed electrician.

🔥 6. Structural Damage

Sometimes the damage is deeper than surface-level, affecting the foundation or frame of your home.

Signs to Watch For:

Cracks in walls, ceilings, or foundation
Doors and windows that no longer open properly
Uneven floors or leaning walls
Shifted rooflines or sagging ceilings

📸 Document all visible damage immediately for your insurance claim.

🧑‍💼 Why Early Detection Matters

Hidden hurricane damage may not become obvious for weeks or months—but insurance companies often limit how long you have to file a claim.

That’s why it’s critical to inspect your property thoroughly after a storm and consult with professionals, including a licensed Florida Public Adjuster, to ensure nothing is missed or undervalued.