If you can't live in your home after an incident covered by your policy, you may be entitled to reasonable temporary accommodation costs until your home is rebuilt or repaired for up to 10% of the home sum insured (15% with Platinum cover). If you’re not sure whether this applies to you, check your policy documents or get in touch with us to discuss your options.
How to contact GIO after a bushfire if you've been impacted
We're ready to help and are working as fast as we can to provide the support you need.
Our Claims Team will be in touch with you soon after your claim is lodged.
In the meantime, you can view your claim and communicate with your claim manager using the GIO App.
Ways we can help
FAQs
People also ask
If we accept your claim, we’ll cover the reasonable and necessary costs of demolishing and removing damaged parts of your home. This includes fallen trees if they’ve damaged your home.
You can find your policy limits for removal of debris in the PDS or talk to our dedicated claims team is you have questions.
To help keep you in your home, we can cover the cost of a generator if this means you don’t need temporary accommodation.
Your claims manager can share more details, such as limits.
It depends. Your temporary accommodation benefit covers reasonable and necessary costs if your home is unsafe and can’t be lived in.
It’s important to check your policy documents to understand your temporary accommodation benefit. These documents, along with your Certificate of Insurance, explain your benefit limit and if any exclusions apply.
A home claim assessment determines the outcome of your claim after loss or damage to your home and/or contents.
Once you’ve lodged your claim, we’ll organise an assessment and contact you to arrange a time to attend your property and inspect the damage or loss.
We’ll let you know the outcome of your claim as soon as we can. If we require additional information, we’ll let you know. If your claim is covered, we can then discuss repairs or settlement depending on the circumstances of your claim.
You can track your claim online to see an estimated time of completion, though this depends on the nature of the repairs or replacements.
A scope of work is a detailed summary of the work that will be undertaken to repair or rebuild your home. This includes the repairs that will be made in each room and the materials used. The scope of work will be updated as needed.
Your assessor, builder or claims manager will explain your scope of work and provide you with a copy for your consideration. Remember, your repairs or rebuild cannot commence until you have signed your scope of work.
During major events, third parties may door knock or letter drop offering to manage your insurance claim. Please be aware that:
these services are not provided by us
we’ll never send an assessor or builder to your home without first notifying you, and
we won’t demand payment on top of your excess for the work being undertaken.
If you’re approached by a third party, you may be asked to pay for these services using a percentage of your insurance settlement. You should always carefully consider the use of these services as your insurance policy doesn’t cover this cost.
If you decide to engage a third party, you should always ask for their:
Australian Financial Services Licence (AFSL) number to check it against ASIC’s database
Required fees
Australian Financial Complaints Authority (AFCA) credentials.
Remember: Never sign a contract/authorisation to act on your behalf (physically or electronically) until you’ve received the information you’ve requested.
GIO will never send an SMS message requesting an excess payment to progress your home claim. If you receive such a message, please delete it immediately.
Available support
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Emergency response services
For more up-to-date information in your area, consider checking your local emergency service’s Twitter or Facebook account.
Temporary Accommodation
If you can't live in your home after an incident covered by your policy, you may be entitled to reasonable temporary accommodation costs until your home is rebuilt or repaired for up to 10% of the home sum insured (15% with Platinum cover). If you’re not sure whether this applies to you, check your policy documents or get in touch with us to discuss your options.