Winter Storm Fern Property Damage Checklist: Steps to Protect Your Home and Insurance Claim

After a winter storm, it’s easy to feel overwhelmed by the damage left behind. Having a clear checklist can help you stay organized, prevent further losses, and strengthen your insurance claim after Winter Storm Fern.

Immediate Safety Checklist

Start with safety first:

• Turn off water if pipes are leaking or burst

• Avoid standing water near electrical outlets

• Stay clear of fallen trees or power lines

• Secure temporary shelter if your home is unsafe

Document All Damage

Thorough documentation is critical:

• Take photos and videos of all damaged areas

• Capture close-ups and wide shots

• Record the date and time of damage

• Make a written list of affected items

Prevent Further Damage

Insurance policies often require homeowners to mitigate damage:

• Tarp damaged roofs

• Shut off water to prevent flooding

• Board up broken windows

• Move belongings away from damaged areas

Save all receipts related to emergency repairs.

Filing Your Insurance Claim

When filing your claim:

• Report damage as soon as possible

• Be specific and accurate in your descriptions

• Keep copies of all communication with your insurer

• Do not accept a settlement before understanding the full extent of the damage

How The Morgan Law Group Can Help

Navigating a winter storm insurance claim can be challenging. The Morgan Law Group helps homeowners protect their rights, avoid common mistakes, and pursue full compensation for storm-related damage.

If Winter Storm Fern damaged your home, contact The Morgan Law Group today to get trusted guidance and strong advocacy throughout the claims process.