Winter Storm Fern 

Winter Storm Fern Claims

Your Advocate After Frozen Pipes, Roof Damage, and Damage from Tree Loss or Ice

Winter Storm Fern brought freezing temperatures, high winds, ice, and snow—conditions that can cause sudden and severe damage to homes and property. From burst or frozen pipes to roof damage, damage from fallen or exploding trees, and interior water loss, storm damage can be overwhelming. When insurance companies delay, underpay, or deny valid claims, The Morgan Law Group is here to advocate for you.

Common Winter Storm Fern Damage We Handle

Winter storms can cause damage that isn’t always immediately visible. Our team helps homeowners with claims involving:

• Frozen or burst pipes causing flooding and water damage
  
• Ice Dams causing roof and water damage
• Roof damage from ice buildup, snow load, and strong winds
  
• Fallen trees and branches damaging homes, vehicles, and structures
  
• Exploding tree damage caused by rapid freezing and internal pressure
  
• Interior water damage, mold risk, and structural issues
  
• Emergency repairs and temporary mitigation expenses
  

If your property was affected by winter weather, you may be entitled to more coverage than your insurer initially offers.

Why Winter Storm Claims Are Often Challenged

Insurance companies frequently dispute winter storm claims by:

• Downplaying the severity of damage
  
• Misclassifying storm-related losses as “wear and tear”
  
• Questioning tree or pipe damage causes
  
• Delaying inspections or payments
  
• Offering settlements that don’t reflect full repair costs
  

Using the wrong terminology or missing key documentation can put your claim at risk. That’s where experienced legal advocacy matters.

How The Morgan Law Group Helps

We work directly with homeowners to:

• Review your insurance policy and coverage
  
• Document storm-related damage properly
  
• Handle communication with the insurance company
  
• Push back against delays, denials, and low offers
  
• Fight for full and fair compensation
  

Our goal is simple: to protect your property, your finances, and your peace of mind after a winter storm.

What to Do If Your Property Was Damaged

If Winter Storm Fern caused damage to your home:

1. Prioritize safety and prevent further damage
   
2. Document everything with photos and videos
   
3. Save receipts for emergency repairs
   
4. Avoid accepting a settlement before understanding your rights

Then, contact a legal team that knows how to advocate for homeowners.

Shelters, Warming Centers & Emergency Assistance

Statewide Shelter Listings

Tennessee Emergency Management Agency (TEMA) – Official Shelter List Interactive map & locations statewide showing county-by-county storm shelters, warming centers, and overnight facilities activated after Winter Storm Fern. View Shelter Map

Major Community Warming Sites

Salvation Army Expanded Cold-Weather Response Providing warm shelter, meals, hot drinks, supplies, and support services. – Dyersburg, TN – Cleveland, TN – Sevierville, TN – Bristol, TN – Kingsport, TN – Johnson City, TN – Clarksville, TN More Info

Nashville / Davidson County Warming Locations

• Metro Nashville Fire Stations – 24/7 warming (39 stations)
• Metro Police Precinct Community Rooms
• Southeast Regional Community Center – overnight shelter w/ cots
• Madison Community Center – overnight shelter w/ cots
• Nashville Fairgrounds – shelter w/ cots & Red Cross support Details

Additional Assistance

• TBI Welfare Check Hotline: 1-800-TBI-FIND (1-800-824-3463)
• United Way 211: Call 211 for referrals to shelters, food, medical support.

Road Conditions & Travel Resources

Tennessee DOT – Real-Time Road Info

SmartWay / Tennessee 511 – live traffic, incidents, closures, and weather-related conditions. – Website: https://smartway.tn.gov/ – Dial 511 (or 877-244-0065 outside TN) – Includes active highway incidents, weather impacts (ice, snow, slick bridges), traffic cameras, and detours.

Road Safety Tips

• Avoid unnecessary travel; check TDOT SmartWay/511 before driving.
• Roads may remain hazardous due to black ice, downed trees, and debris. Road Safety Updates

Schools & Community Services Post-Storm

• Many districts remain closed or delayed due to lingering hazards and recovery work. School Closures

Recovery & Support Organizations

• Save the Children – Tennessee Aid: Families with children supported with food, heat funds, and essentials. More Info
• Salvation Army Disaster Services: Meals, shelter, and supplies statewide. More Info

Key Safety Tips Post-Storm

• Avoid unnecessary travel; check TDOT SmartWay/511 before going.
• Use warming centers if you are without heat or vulnerable to cold.
• Call 211 for referrals to food, housing, and health services.
• Document damages for insurance or recovery aid.

Get Help With Your Winter Storm Fern Claim Today

You don’t have to navigate a winter storm insurance claim alone. If your home suffered damage from frozen pipes, roof failure, fallen or exploding trees, or water intrusion, The Morgan Law Group is ready to help.

Contact us today for experienced guidance and strong advocacy throughout the claims process. We fight to make sure your insurance company treats your claim fairly—because when disaster strikes, you deserve an advocate.