After a natural disaster, you should contact your insurer as soon as possible.
Ask your insurer for advice on getting repairs. Get authorisation before you attempt any building work or emergency repairs, as unauthorised work might not be covered by your policy.
Ensure you keep records, and if possible photos, of any damage to property or contents. Make a list and include a detailed description of each damaged item, such as brand, model and serial number.
Where damaged goods pose a health risk, such as mud and water saturated carpets and soft furnishings, photograph them and remove them. Keep samples of the materials to show the assessor.
You can provide this information to your insurer when you make your claim.
Do not throw away goods that could be salvaged or repaired.
In most cases, a contract for insurance is a form of ‘financial product’. These are regulated by the Australian Securities and Investments Commission (ASIC).
You can get further advice on insurance matters from: