Question 1

Is Montgomery County eligible for FEMA assistance for Winter Storm Fern?

Accepted Answer

Yes. As of April 11, 2026, Tennessee's federal disaster declaration for Winter Storm Fern was amended to include FEMA Individual Assistance, and Montgomery County is on the eligible list. Homeowners and renters can apply for help with temporary housing, home repairs, replacement of essential personal property, and other disaster-related needs. Apply at DisasterAssistance.gov or call 1-800-621-3362. Tennessee waited 72 days for this approval — do not assume it will be extended; apply now.

Question 2

What types of storm damage repair do you coordinate?

Accepted Answer

Electrical (panel damage, generator hookups, downed-line cleanup), plumbing (frozen and burst pipes, water heater failures, sewage backup), HVAC (heat pump and furnace damage from power surges and freeze cycles), roof repairs (tree impact, fallen limbs, ice damage), tree removal, and general structural repair. For services we do not deliver ourselves, we connect you with a licensed Clarksville pro who does.

Question 3

How fast can someone come out?

Accepted Answer

For active emergencies (no heat, no power, no water, active leaks, structural risk) we work to dispatch within hours. For damage assessment and documentation for insurance/FEMA, typically 24–72 hours. Non-emergency storm repair jobs usually within the week.

Question 4

I am stationed at Fort Campbell — can you still help?

Accepted Answer

Yes. We cover all off-base Clarksville addresses including 37040, 37042, 37043, plus Oak Grove KY. On-base Balfour Beatty housing has its own maintenance hotline — if you are unsure whether you, your landlord, or the on-base office is responsible, call us and we will help sort it out fast.

Question 5

Do I need a permit for storm damage repair in Montgomery County?

Accepted Answer

Montgomery County does not require a Home Improvement Contractor (HIC) license for jobs under $25,000, which makes storm repair here faster than in Davidson County. Specific work (electrical, plumbing, HVAC) still has to be done by the licensed trade. We coordinate the right licensed pro and pull any required permits as part of the job.

Question 6

Will my homeowners insurance cover this?

Accepted Answer

Most policies cover wind, falling trees, ice/freeze damage, and burst pipes from heating-system failure. Flood insurance is separate. We document the scope so your adjuster moves your claim quickly. FEMA Individual Assistance can pay alongside insurance when the losses are different (e.g., insurance covers the burst pipe; FEMA covers the temporary lodging while it gets fixed).

Storm Damage Repair — Clarksville & Fort Campbell

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