If you’ve lived in Tennessee long enough, you know this to be true:
A little snow can feel like a lot of snow — and when Snowmageddon shows up, it’s best to be ready.
With winter weather expected this weekend, now is the perfect time to prepare your home, vehicle, and family so you’re not scrambling once the flakes start falling. As a local independent insurance agency, we see firsthand how winter storms can cause unexpected damage — and how simple preparation can make all the difference.
Here’s how to get ahead of the storm and protect what matters most.
How to Prepare Your Home for Winter Weather in Tennessee
Tennessee homes aren’t always built for prolonged freezing temperatures, which makes preparation extra important.
Before the snow arrives:
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Insulate exposed pipes in crawl spaces, basements, garages, and exterior walls
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Disconnect garden hoses and shut off exterior water sources
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Let faucets drip slightly during extreme cold to prevent frozen pipes
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Check your roof for loose shingles or existing damage
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Clean gutters to prevent ice buildup and water backup
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Make sure your heating system is serviced and functioning properly
Power outage prep:
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Have flashlights, batteries, and phone chargers ready
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Keep blankets and extra layers easily accessible
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If using a generator, ensure it’s safely placed outdoors and properly vented
Frozen pipes and water damage are some of the most common winter insurance claims — and they’re often preventable.
Winter Driving Tips for Snow and Ice in Tennessee
Snow and ice in Tennessee can be especially dangerous because roads aren’t always treated quickly — and many drivers aren’t used to winter conditions.
Before you hit the road:
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Fill your gas tank
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Check tire tread and tire pressure
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Keep windshield washer fluid rated for freezing temps
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Pack an emergency kit with blankets, water, snacks, and a flashlight
If you must drive:
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Slow down — way down
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Increase following distance
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Avoid sudden braking or sharp turns
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Stay off bridges and overpasses when possible (they freeze first)
If you can stay home, that’s often the safest choice.
What to Know About Insurance Coverage During Winter Storms
Winter storms can lead to burst pipes, roof damage, fallen trees, and car accidents — all of which may be covered depending on your policy.
Homeowners insurance may cover:
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Sudden pipe bursts due to freezing
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Roof damage from snow or ice
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Tree damage caused by winter storms
Auto insurance may cover:
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Accidents caused by icy roads
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Damage from falling branches
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Comprehensive coverage for storm-related damage
However, coverage depends on how the damage occurs and your specific policy — and not all winter-related issues are covered.
That’s why preparation (and understanding your coverage) matters.
Why Local Matters During Snowmageddon
When winter weather hits, call centers are overwhelmed and claims systems slow down. Having a local insurance agent means you have someone who understands Tennessee weather, local risks, and how to help you navigate the process calmly and correctly.
At The Stack Agency, we believe insurance isn’t just about policies — it’s about people, preparation, and peace of mind.
Final Snowmageddon Checklist
✔ Stock up on essentials
✔ Prepare your home and vehicle
✔ Stay off the roads if possible
✔ Know your insurance coverage
✔ Save your agent’s number
A little preparation now can save a lot of stress later.
If you have questions about your home or auto coverage before the storm hits, reach out. We’re here to help you weather it — snow, ice, and all.
You heard that from Danielle. ❄️
#youhearditfromdanielle