How to Determine Structural Damage

Before Entering

• 1

  Turn off gas lines, water lines and electric breakers outside the house, if possible. If not, contact the utility companies for assistance. Put on the goggles and gloves for protection.

• 2

  Inspect the roof from a distance. The roof is a good indicator of structural damage. Look at the ridge of the roof to ensure it is straight. If the ridge sags on either end or in the middle, then load-bearing walls have shifted.

• 3

  Look at all the walls to see if they are vertical and straight. Check the walls with a carpenter's level.

• 4

  Inspect where the structure meets the foundation. Whether the home is on a slab or a basement foundation or on piers, check that the building has not shifted on its foundation.

• 5

  Check for masonry cracks on the exterior. Pay close attention to corners, under and around doors and around the windows for cracks.

• 6

  Inspect for any water damage to the house. Look for wet electrical circuits or wet insulation. Insulation that becomes wet must be replaced. If it is sealed within, it will not dry out.

• 7

  If you note any structural damage, call a professional experienced building contractor, architect or engineer for further assessment and a closer look.

Inside the Building

• 8

  Enter the house when you are sure it is safe. Be sure the utilities are off first. Open doors and windows to air out the house. Note if there is any sticking or problems opening, as this is a sign that the house has shifted.

• 9

  Look for the obvious first: sagging ceilings, damp insulation or pockets of water. Check the framing carefully. If you're not sure what the look for, call in the professionals.

• 10

  If you think the house has shifted, water and gas lines and electrical systems might be damaged and should all be checked by experts.

• 11

  Point out any damage you have noticed to insurance adjusters.