Emergency Response

We all hope that it’ll never happen, but it’s possible that at some point your home will be affected by an extreme weather event. 

Has your home or business been affected?


Bushfires and storms can have devastating effects, and ensuring that you’re adequately prepared – and that you know what to do after the event has passed – should be a priority for every homeowner.

Below are a few things to keep in mind that can hopefully make the recovery process a little smoother.

Of course, you should make sure that you have adequate home and contents insurance. Check the PDS for your policy so that you’re familiar with any conditions or exclusions.

What to do if you’ve been affected

The first step – and the most important – is to ensure that you and your loved ones are safe, and receiving any necessary practical, medical and emotional support.  Then, there are a few other steps to consider.


Lodge an insurance claim

You’ll want to contact your insurance provider and get the claims process started as quickly as possible. You can lodge a claim with GIO Insurance via our claims page, or you can contact us to discuss your situation.

Contact your mortgage provider

Depending on the lender, they may have programs in place for those affected by bushfire, including suspension of required payments.

Switch your gas and water off at the mains

This is both a safety measure and a way to ensure that you’re paying minimal bills for a house you’re not living in.

Contact your utility providers

They’ll need to know about your situation, especially if you’re not going to be living in the affected house for a while. 

Redirect your mail

If you’re going to be living at a different address, you should also redirect your mail via Australia Post.

Preparing to claim

If your home is damaged by fire or storms, you’ll need to lodge an insurance claim. The more info about your home and contents that you have available, the easier this process will be.


Ensure that your policy reflects the value of your house as accurately as possible. This is especially worth reviewing if you’ve completed any renovations, or other value-adding work, since you established your policy.

You should also have a thorough inventory of your contents, with as much supporting information – like receipts and photos – as possible. Trōv is a mobile app that makes it easy to keep a complete record of your contents.

Has your home or business been affected?



Bushfire preparation tips

If you live in an area that’s prone to bushfire, there are several steps you can take to reduce the risk of major damage to your home, or serious injury to yourself or your family.

Prepare an emergency kit, including a torch, spare batteries, a pre-charged portable charge for your phone, essential medication, and important documents.

Clear the area around your house of branches, firewood, etc.

Keep your gutters clean.

Remove flammable items like doormats. 

Make a bushfire plan. Everyone who lives in the home should know what they’re doing in the event of a fire. 

Stay informed. Listen to the local news services and be aware of the current fire danger rating.

Drink plenty of water, to avoid dehydration.


Storm preparation tips

If your home is under threat by a severe storm, there are a few things you can do to minimise the potential damage.

Prepare an emergency kit, including a torch, spare batteries, a pre-charged portable charge for your phone, essential medication, and important documents.

Regularly check and maintain the condition of your roof, gutters, etc, keeping them clear to prevent build-up of rainwater.

Trim the branches of trees around your house. 

Clear the area around your house, ensuring that there are no loose objects (outdoor furniture, toys, tools, etc) that could blow around in the wind. 

Charge your phone and fill your car with petrol. 

There are also a few things you should do during a severe storm.

Stay indoors, clear of windows, doors and skylights. 

If you’re outdoors and can’t get to a safe building, avoid high ground and try to find shelter away from tall trees, rivers or creeks, power lines and metal constructions like fences. 

If you’re driving, switch on your hazard lights and pull over where safe. Never drive through floodwater. 

Do not have a bath or a shower, or use plumbing. 


Contact us

Call 13 14 46


Or complete an online form on our claims page