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Memphis storm season runs March through June, with peak severe weather in April and May. Recent wind events in March 2026 caused significant property damage across Shelby County. If your property has storm damage — even from weeks ago — hidden water intrusion and mold growth may already be underway. Call for a free assessment.
Free Storm Damage Assessment — (901) 519-2580Different storms cause different damage. Our IICRC certified team handles every type of storm-related property damage — from the initial emergency response through complete restoration and rebuild.
Emergency tarping, water extraction, wind and hail damage repair, and complete restoration. 60-minute response.
Learn MoreRapid water extraction, contamination control, structural drying, and mold prevention after flooding.
Learn MoreSecure exposed property within 60 minutes to prevent further water intrusion, vandalism, and insurance complications.
Learn MoreMold grows within 48 hours of water intrusion. Professional containment, removal, and clearance testing after storm damage.
Learn MoreFollow these steps in order to protect your family, preserve your insurance claim, and prevent secondary damage.
Every hour after water intrusion increases the risk of mold growth exponentially. Here is the timeline your property faces after storm flooding:
Water saturates building materials. Drywall, insulation, and wood framing absorb moisture. Mold spores begin activating in warm, damp conditions.
Mold colonies begin forming on wet surfaces. Visible mold may appear on drywall, carpet padding, and wood. Musty odors develop.
Mold spreads rapidly through connected materials. Spore counts in the air increase dramatically. Health risks escalate — respiratory issues, allergic reactions, headaches.
A $3,000 water extraction today prevents a $15,000-$30,000 mold remediation next month. The math is simple — speed saves money and protects your family's health.
Memphis faces multiple severe weather threats throughout the year. Understanding what each storm type does to your property helps you respond faster when damage occurs.
The Mid-South averages 15+ tornadoes per year. Tornado damage ranges from minor roof damage (EF0-EF1) to complete structural destruction (EF3+). Common damage includes roof removal, wall collapse, broken windows, and debris impact.
After a tornado: Do not enter the structure. Call for emergency board-up and tarping to prevent water intrusion through exposed areas. Even "minor" tornado damage often causes hidden structural issues.
Memphis sees 3-5 significant hail events per year, often with stones exceeding 1 inch. Hail damages roofing materials (shingles, flashing, vents), siding, windows, and gutters. The damage may not be visible from the ground.
After hail: Schedule a professional roof inspection even if you do not see ground-level damage. Compromised shingles lead to slow leaks, hidden water damage, and eventual mold growth.
Severe thunderstorms produce straight-line winds of 60-100+ mph — often more damaging than tornadoes because they affect a wider area. These winds topple trees, peel roofs, shatter windows, and drive rain horizontally into structures.
After wind damage: Check for tree damage to roof and siding. Wind-driven rain often penetrates through gaps you cannot see. Interior water stains appearing days after a storm indicate hidden wind-driven rain intrusion.
Memphis receives 50+ inches of rain annually, and the flat terrain combined with aging drainage infrastructure creates serious flash flood risk. Floodwater is classified as Category 2 or 3 contaminated water — it contains sewage, chemicals, and bacteria.
After flooding: Do not enter floodwater. Call for professional extraction immediately. All flooded materials must be evaluated for contamination. Standard homeowners insurance does NOT cover flood damage — separate flood insurance (NFIP) is required.
Navigating insurance after storm damage is stressful. Here is what Memphis homeowners need to understand about storm damage claims.
Standard homeowners insurance covers wind damage, hail damage, lightning strikes, tornado damage, and rain damage through storm-created openings. This includes emergency mitigation (tarping, board-up), water extraction, structural repairs, and content restoration.
Flood damage from rising water requires separate flood insurance (NFIP). Pre-existing damage, deferred maintenance issues, and damage from lack of timely mitigation may be denied. This is why immediate emergency response is critical — it protects both your property and your claim.
Tennessee law gives you the right to choose your own restoration contractor. You are NOT required to use the company your insurance recommends. Resto Experts works with all major insurance carriers and coordinates directly with your adjuster — handling documentation, scope of work, and payment processing.
Your policy requires you to take reasonable steps to prevent further damage. Emergency tarping, board-up, and water extraction are considered mitigation — and these costs are typically covered separately from your main claim. Failing to mitigate can result in denied coverage for secondary damage.
Resto Experts provides 60-minute emergency storm response throughout the greater Memphis metropolitan area, including:
Serving all of Shelby County, Tipton County, Fayette County, and DeSoto County (MS)
Prioritize safety first — do not enter visibly damaged structures. Document all damage with photos and video from a safe distance. Cover exposed areas with tarps if you can do so safely. Call Resto Experts at (901) 519-2580 for 24/7 emergency response, then contact your insurance company to file a claim.
Mold can begin growing within 24-48 hours of water intrusion. After flooding, the timeline is even shorter because floodwater contains organic material that feeds mold growth. This is why emergency water extraction and structural drying within the first 24 hours is critical to preventing a secondary mold problem.
Most homeowners insurance policies cover wind, hail, lightning, and tornado damage. However, flood damage from rising water requires a separate flood insurance policy (typically through NFIP). Resto Experts works with all major insurance carriers and helps document your claim from the initial assessment through final restoration.
Emergency stabilization (tarping, board-up, water extraction) happens within hours. Structural drying takes 3-5 days. Full restoration and rebuild varies from 1-2 weeks for minor damage to several months for major structural repairs. Resto Experts provides a detailed timeline after our initial damage assessment.
Call a restoration company first. Emergency mitigation — tarping, water extraction, board-up — must happen immediately to prevent further damage. Your insurance policy requires you to take reasonable steps to prevent additional loss. Resto Experts responds within 60 minutes, documents everything, and then coordinates directly with your insurance adjuster.
Memphis is vulnerable to severe thunderstorms with straight-line winds (60-100+ mph), tornadoes, hail, and heavy flooding rains. The Memphis metro area averages 15-20 severe storm events per year, primarily from March through June. Each storm type creates different damage patterns requiring specialized restoration approaches.
It depends on the severity of damage. If the roof is compromised, structural integrity is in question, or there are electrical hazards, temporary relocation is necessary. For localized damage like a single room with water intrusion, you can often remain in unaffected areas. Our team assesses safety on arrival and advises you honestly.
Speed is everything. Get standing water extracted within the first 24 hours. Remove wet carpet padding, insulation, and drywall that cannot be dried. Deploy commercial dehumidifiers and air movers (household fans are not sufficient). Apply antimicrobial treatment to affected surfaces. Monitor moisture levels daily until the structure reaches target dryness. Professional restoration companies have the equipment to do this correctly.
IICRC certified technicians ready to respond now. We work directly with your insurance company.
