Wind Damage >> Once A Hurricane Or Major Storm Hits

Once a hurricane or major storm hits, it's too late to protect your home and property. But there are things you can do now to limit future wind damage. Some are fairly simple and inexpensive; others will require a contractor. You'll need to consider the characteristics of your home, Once A Hurricane Or Major Storm Hits your financial resources and the building codes in your community. 

This homeowner's checklist will help you learn what you can do. For more information about the costs and benefits of each approach, Once A Hurricane Or Major Storm Hits talk to a professional builder, architect or contractor. You should also ask your building department about building permit requirements. Do you know your risk? 

Ask your emergency management office or American Red Cross chapter for information about the hazards in your community. Do you have enough insurance? Even if you have taken steps to protect your home from flooding, Once A Hurricane Or Major Storm Hits you still need flood insurance if you live in a floodplain. 

Homeowners' policies do not cover flood damage, Once A Hurricane Or Major Storm Hits so you will probably need to purchase a separate policy under the National Flood Insurance Program (NFIP). It takes 30 days for a flood policy to take effect. This is why you need to purchase flood insurance before flooding occurs. Is the roof sheathing properly installed? 

During a windstorm, wind forces are carried from the roof down to the exterior walls, Once A Hurricane Or Major Storm Hits down to the foundation. Homes can be damaged when wind forces are not properly transferred to the ground. Roof sheathing (the boards or plywood nailed to the roof rafters or trusses) can fail during a hurricane if not properly installed. 

Examine the sheathing from the attic. If many of the nails have missed the rafters, you may need to renail the sheathing. If you're putting on a new roof, Once A Hurricane Or Major Storm Hits make sure the sheathing complies with current recommended practices. Are end gables securely fastened to the rest of the roof? 

In a hurricane or other wind storm, the side walls of the roof (end gables) take a real beating and can collapse. Gable bracing often consists of 2”x4”s placed in an "X” pattern at both ends of the attic: from the top center of the end gable to the bottom of the brace of the fourth truss, Once A Hurricane Or Major Storm Hits and from the bottom center of the end gable to the peak of the roof. 

Is the roof fastened to the walls with hurricane straps? Hurricane straps (made out of galvanized metal) help keep the roof fastened to the walls in high winds. They can be difficult to install, Once A Hurricane Or Major Storm Hits so you may need a contractor for this project. Ask your building department whether hurricane straps are required or advisable in your area. 

Are double entry doors secured at the top and bottom? The exterior walls, doors and windows are the protective shell of your home. If the shell is broken during a storm, Once A Hurricane Or Major Storm Hits high winds can enter the home and put pressure on the roof and walls, causing serious damage. 

For each double door, at least one of the doors should be secured at both the top of the door frame and the floor with sturdy sliding bolts. Most bolts that come with double doors, Once A Hurricane Or Major Storm Hits however, are not strong enough to withstand high winds. 

Your local hardware can help you select the proper bolts. Some door manufacturers provide reinforcing bolt kits made specifically for their doors. Has the garage door been properly secured? If the garage door fails, Once A Hurricane Or Major Storm Hits winds can enter your home and blow out doors, windows, walls and the roof. Ask your building department for guidance on what to do. 

Are windows protected by storm shutters? Installing storm shutters is one of the most effective ways to protect your home. Purchase or make shutters for all exposed windows, glass surfaces, Once A Hurricane Or Major Storm Hits French doors, sliding glass doors and skylights. There are many types of manufactured storm shutters available made out of wood, aluminum or steel. 

You can also make storm shutters with 5/8-inch thick exterior- grade plywood. If you're building or remodeling a home, there are many other ways to protect your property that are not addressed in this checklist. To learn more, Once A Hurricane Or Major Storm Hits talk to a professional home builder, architect, contractor or building supply retailer. 

Be safe. Do not try to re-enter your home or attempt repairs until it is safe to do so; Once A Hurricane Or Major Storm Hits  Keep children and pets away from down or low-hanging power lines; Contact your insurance company as soon as possible.

Do not make permanent repairs until the adjuster has inspected the property - but do take action to prevent further damage, Once A Hurricane Or Major Storm Hits like covering holes in the roof or removing water; Take pictures of the damage, particularly if you must throw away items of value that are bacteria-laden and no longer safe to preserve

Keep a record of all related receipts, documents outlining your time spent securing your property, Once A Hurricane Or Major Storm Hits and your conversations with the insurance company "Filing a claim can be an unknown and confusing process for consumers. 

When in doubt, a homeowner with questions should call the Division of Insurance, Once A Hurricane Or Major Storm Hits their agent, or their insurance company," said Joseph G. Murphy, the Commissioner of Insurance. "The Division of Insurance is prepared to help in whatever way possible, and will work with carriers, agents and adjusters to ensure services are available." 

With tornado damage covered by homeowners' insurance, Once A Hurricane Or Major Storm Hits the Patrick-Murray Administration's Division of Insurance is offering tips on the best way to file a claim with an insurance company to families who suffered damage in yesterday's tornadoes and storms. 

Because tornadoes and downbursts are in part products of thermodynamic climatic circumstances, Once A Hurricane Or Major Storm Hits they may be affected by anticipated changes in climatic conditions as the 21st century progresses. 

However, the current understanding of tornado and downburst formation from supercell storms is very incomplete, and climate-change model predictions sufficiently coarse, Once A Hurricane Or Major Storm Hits that predictions of changes in frequency, size, intensity, or timing of these extreme events must be regarded as highly uncertain. 

Moreover, Once A Hurricane Or Major Storm Hits retrospective approaches that employ tree demography and dendrochronology require prohibitively large sample sizes to resolve details of the relationship between climate fluctuations and characteristics of these storms. 

To improve predictions of changes in the climatology of these storms, we need improved understanding of the genesis of tornadoes and Once A Hurricane Or Major Storm Hits downbursts within thunderstorms, and greater resolution in global climate models. 

To improve coping strategies, forest scientists can contribute by giving more attention to how various silvicultural actions influence stand and tree vulnerability. Finally, increased focus on the dynamics of forest recovery and Once A Hurricane Or Major Storm Hits regrowth may suggest management actions that can facilitate desired objectives after one of these unpredictable wind disturbances.

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