How storm water gets in
- Roof damage. Missing shingles, lifted flashing or damaged tiles let rain reach the attic, then ceilings.
- Windows and doors. Broken glass or failed seals let wind-driven rain in sideways.
- Soffits, vents and chimneys. Wind can push rain through openings that are normally sheltered.
- Debris impact. A fallen limb can open a hole you cannot see from the ground.
Rain from these routes is not the same as floodwater from the ground up. Our flood damage page explains why the difference matters for safety and for insurance.
After the storm: a sensible order
- Check that it is safe to be in and around the building: downed lines, gas smells, damaged structure.
- Look for ceiling stains, bulges and drips; check the attic only if it is safe.
- Photograph all damage before temporary repairs.
- Limit further damage: move belongings, place buckets, and arrange temporary covering for roof or window openings.
- Contact your insurer promptly. See Florida insurance claims.
- Arrange drying. Wet insulation and drywall from roof leaks are easy to miss.
A fuller walk-through is in the after-a-storm checklist.
Hidden problems to look for
- Ceiling drywall that is soft, stained or sagging.
- Wet insulation in the attic, which holds water against the ceiling.
- Water inside wall cavities below a window.
- Musty smells in closets or rooms that were closed up during the storm.
Why many people call after a storm at the same time
Large storms damage many homes at once. Providers are often busiest right after a storm, so call early. Take your own steps to limit damage while you wait, and keep records of what you did. Unusually high demand after storms is also when some people are targeted by unreliable contractors. Verify licenses on the DBPR license search and avoid paying large amounts upfront.