How much rain can fall in one storm season?
The National Weather Service has recorded very different totals across the metro in different years. Parts of Rio Rancho and eastern Albuquerque received as much as 8 to 10 inches of rain in 2018, and most of Bernalillo County west of the Rio Grande received 5.5 to 7.5 inches in 2015.
Those figures are the reason a storm season can be quiet for one home and damaging for the next. Rainfall in the monsoon is patchy, and a storm cell can pass over one neighborhood and miss the next. The totals show that the risk is real across the metro, not only in the places that have flooded most recently.
The figures are the National Weather Service's own summary of those seasons. They describe the county and the areas named, and they do not describe every street. A building's risk depends on its ground, its roof and its drains, which is why the technician looks at the building rather than the total.
Why do roof leaks show up in a storm and not before?
A roof leak often stays hidden until a storm drives enough water into a weak point, such as a flashing, a seam or a vent, to saturate the material beneath. A small crack can carry a little water for months before a heavy rain turns it into a stain.
Water in a roof assembly moves sideways and down before it shows in the room below. It can soak insulation in the attic and run along a rafter before a stain appears on the ceiling, so the first sign may be a drip or a stain some distance from the leak itself.
The leak is not always on the roof. Water can come in at a parapet, a chimney or a wall-to-roof joint. The technician traces the water from the stain upward and outward, and the roof repair is handled by a roofer after the building has been dried.
Does storm water cause mold?
Storm water can lead to mold if the wet materials are not dried within a reasonable time. Drywall, insulation, wood framing and carpet pad that stay damp can grow mold, so the drying is measured and finished before the building is closed up.
Mold is not always visible. It can grow inside a wall cavity or under a floor where no one looks, and a musty smell is often the first sign. The technician checks the cavities where the water went, because a surface that looks clean may hide growth.
Mold after a water loss is treated in its own service, and the questions to ask a firm about it are covered on that page. What matters here is that a storm loss is dried, measured and recorded so that the building does not stay damp.
Who pays for storm rain damage?
The insurer and the policy decide what is covered, and this site does not make a claim about what a policy pays. A technician can dry the building and keep the record, which is the evidence an insurer will ask for. The scope is written down and the price is confirmed before any work starts.
Storm damage is handled differently by different policies, and a policy that covers one kind of water can exclude another. The technician does not decide that question, and the record should not be read as a statement of coverage.
Keep the photographs, the dates of the storm and any notes you made. Those are useful to the insurer, and they are the first things the technician asks for when the job is set up.
What is the first step after a heavy storm?
Look for water inside the building, photograph it, and move valuables out of the way of any drip. Then call, because a leak that is still entering will keep soaking the materials below it. Do not climb onto a wet roof or go into the attic with a light that is not safe.
A drip that has stopped can still leave wet materials, so the first call is not only for leaks that are still running. The technician checks the drying and the readings even when the water has stopped.
Place a container under a drip if it is safe to do so, and move the rug or furniture out of the way. The water should be stopped at its source, but the first priority is keeping it from reaching the rooms below.