01/31/2026
Stay safe and stay protected - we’re here for our neighbors !!!
Was your home or auto damaged by the severe weather caused by ? In the storm’s aftermath, Team TDCI urges all Tennesseans to file their insurance claims as soon as possible, contact their insurance companies about their damages, and document any damages by taking photographs or videos.
Remember: Most insurance companies will not pay for damage to an unoccupied house unless you prepared your house for the freeze. If you’re going to be away from your house and it might freeze, you must use reasonable care to heat the house or shut off the water supply and drain the water from plumbing, heating and air conditioning systems.
-What Damage to Your Home is Covered?
Damage caused by wind, wind-driven rain, trees or other falling objects and the collapse of a structure due to weight of ice or snow are all covered under most standard homeowners policies. Frozen pipes as the result of extreme cold might not be covered if the damage is due to negligence such as failing to maintain an adequate temperature in the house when the ability to do so is there. Check your policy and call your insurance agent or company if you need clarification or have specific questions.
-What Damage to Your Home is Not Covered?
The following events are typically not covered by the standard homeowners insurance policy: Interior water damage from a storm, when there is no damage to the roof or walls of your home; damage as the result of a flood; removal of fallen trees (if the trees do not land on and damage your home); food spoilage due to a power outage; and water damage from backed-up drains or sewers. Some insurers offer endorsements (i.e., additional protection that may be purchased) for certain coverages not covered under the standard homeowner policy. Check with your agent or company to determine your needs.
Have you been unfairly denied a claim by an insurance company?
File a complaint with TDCI. Visit: https://www.tn.gov/.../consumer.../file-a-complaint.html