Question 1

I am stationed at Fort Campbell — does FEMA Individual Assistance apply to me?

Accepted Answer

Yes if you are a homeowner or renter in Montgomery County (TN) or Christian County (KY) and had documented damage from Winter Storm Fern (Jan 22–27, 2026). Apply through DisasterAssistance.gov or 1-800-621-3362. Service members on-base need to coordinate with on-post housing first, but BAH-rented homes off-base are eligible the same as any civilian renter.

Question 2

My landlord is unresponsive about storm damage. What do I do?

Accepted Answer

Document everything (photos with timestamps, written requests via email or text), then call us. Tennessee landlord-tenant law (TCA §66-28-304) requires landlords to maintain essential services including heat, water, and structural integrity. We can help document the lapse for you. For active emergencies (no heat, no water, structural risk), some BAH-rented homes have emergency dispatch authority — we will help you sort it out.

Question 3

I PCS in 6 weeks. Is repair worth starting?

Accepted Answer

Depends on the damage. If insurance is covering the repair, the cost is mostly the deductible regardless of who lives there next. For PCS sellers, repairs done before listing typically recoup well above cost. For PCS renters, document the damage to your landlord + your local move-out housing office before you leave so liability is clear.

Question 4

What types of storm damage repair do you coordinate?

Accepted Answer

Electrical (panel, fixtures, generator hookups), plumbing (frozen + burst pipes, water heater, sewage backup), HVAC (heat pump damage, furnace freeze damage), roof repairs (tree impact, fallen limbs, ice damage), tree removal, and general structural repair. For services we do not directly fulfill, we connect you with a licensed Clarksville pro who does.

Question 5

What about Oak Grove KY?

Accepted Answer

Yes — we cover Oak Grove KY for Fort Campbell families. FEMA disaster declaration applies to Christian County KY (Oak Grove is in Christian County) on the same Winter Storm Fern declaration. Application process is identical: DisasterAssistance.gov.

Question 6

Do you work with Tricare or other military insurance for medical-related damage?

Accepted Answer

Tricare is medical, not property — it does not cover home repair. For property damage, you use your homeowners or renters insurance + FEMA Individual Assistance. If property damage caused a medical condition (e.g., hypothermia from no heat), Tricare covers the medical side; we stick to the property side.

Storm Damage Repair — Fort Campbell & Oak Grove

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