I’ve been impacted by the cyclone – what should I do first?
Your safety is the top priority. If you are in immediate danger, call 000 or contact the SES on 132 500 for assistance. Once it is safe to do so:
- Assess your property for damage, but do not put yourself at risk.
- Take photos or videos of the damage as evidence for your insurance claim.
- Contact us to discuss lodging a claim.
Can I start organising repairs or emergency works?
Yes, but only essential make-safe repairs should be done immediately to prevent further damage.
- You can engage local tradespeople for urgent repairs such as securing roofing, boarding up windows, or addressing electrical hazards.
- Keep invoices and receipts for any emergency work, as these may be included in your claim.
- For major repairs, wait for insurer approval before proceeding with non-essential work.
What if I need emergency accommodation?
If your home is uninhabitable due to cyclone damage, you may be entitled to temporary accommodation cover under your policy. Contact us so we can check your policy details and assist with arranging support.
Can I lodge a claim now, or do I need to wait?
You can lodge a claim as soon as it is safe to do so. However, during major weather events, insurers experience high volumes of claims, so response times may be delayed. To speed up the process:
- Submit your contact form online or call us directly, we will start the claims process for you.
- Provide photos or videos of the damage.
- Keep a detailed list of damaged items, including receipts if available.
Can I increase my insurance cover now?
Due to the cyclone, many insurers have placed embargoes on impacted areas, which means new policies, coverage increases, or policy changes cannot be made until the event has passed. We can advise if your policy is currently under an embargo and process any requests promptly once these are lifted.
What if my car was damaged in the cyclone?
If your vehicle was damaged due to floodwaters, flying debris, or other storm-related incidents, you may be covered under your Comprehensive Car Insurance policy.
- Do not attempt to drive the vehicle if it has been submerged in water.
- Take photos of the damage and contact us to lodge a claim.
- If you require emergency transport, check if your policy includes coverage for hire vehicles.
How long will it take for my claim to be processed?
Claim processing times vary depending on the severity of the event and insurer workloads. During widespread disasters, insurers prioritise the most urgent claims first. Providing all required documents, photos, and receipts upfront can help speed up the process.
Will my insurance cover cyclone damage?
Most home and contents policies cover cyclone damage, including wind, storm surge, and flooding. However, policy inclusions vary, so please contact us for a review of your specific cover.
Who do I contact if I need urgent help with my claim?
Our team is ready to assist. If you require urgent support, please reach out to:
