If you've experienced a natural disaster, you should contact your insurer as soon as possible.
Ask your insurer for advice on getting repairs. Seek authorisation before you attempt any building work or emergency repairs, as unauthorised work might not be covered by your policy.
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.
Photograph and remove any damaged goods that pose a health risk, such as mud and water saturated carpets and soft furnishings.
Keep samples of the materials to show the assessor when you make your claim.
Do not throw away goods if there is a possibility that they 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.
You can get further advice on insurance matters from: