01.Insurers prioritise cyclone claims
North Queenslanders are facing a massive recovery after the devastation left in the wake of Cyclone Ita. Insurers have already received 680 claims with damage estimated at $8.4 million, and this is set to rise substantially once homeowners are able to get back to their properties.
While flood cover is now provided under most home and contents insurance
policies, there could still be some problems with cover, for example, if damage is caused by the sea.
So it’s important to contact your insurer to check what you are covered for. Insurance assessors have already arrived in the affected areas and cyclone claims will be prioritised.
What to do if you've been affected by a cyclone
- Return once it is safe to do so and check for damage.
- Contact your insurer as soon as possible to get your claim lodged.
- Don’t worry if you can’t locate your insurance papers. Insurers have electronic records, they only need your name and address.
- You may be covered for temporary accommodation expenses if your home is unsafe.
- Take pictures of the damage. This helps to support and speed up your claim.
- Make a list of damaged items. If possible include a detailed description, such as brand, model and serial number.
- You can start the clean up and remove and store or discard damaged goods. But take pictures and keep samples and any items that could be repaired.
- Any building work including emergency repairs needs to be authorised by your insurer in writing as it otherwise may not be covered.
- Beware of door-to-door scammers offering their services, be careful as they may provide shoddy workmanship. See the warning from Queensland Fair Trading.
- Also be aware that houses and other buildings built before 1990 may contain asbestos materials. Check this factsheet or contact Worksafe Queensland.
For more information or if you are unsure which insurer you are with contact the Insurance council's
disaster hotline on 1800 734 621.
For more information about home and contents insurance see our report