INSURING YOUR HOME
Reducing your risk this storm season
Storm season is unpredictable. You might know wild weather is on its way, but it’s hard to be sure when, or exactly how wild it will be.
There are, however, a few things you can do to minimise the risk to your home, and maximise your chances of getting back to normal ASAP following extreme weather.
Before a storm
Prepare your home
A few pre-storm checks of your house and its surroundings can significantly reduce your risk of injury or property damage.
- Ensure your gutters and downpipes are clear of obstructions.
- Trim any tree branches that are close enough to your house to cause damage if they snap loose.
- Secure any loose items in your outdoor areas, like toys and furniture, that could be pushed around by strong winds.
- Park vehicles under cover if possible.
- Secure any pets indoors.
Prepare an emergency kit
If you lose power, or you need to leave your home quickly, there are a few essential items you’ll want to have with you:
- Torch, with spare batteries
- First aid kit
- Essential medication
- Important documents
- Portable phone charger
- In-car phone charger.
Review your home and contents insurance
Ideally, your home won’t sustain any serious damage during a storm, but no amount of preparation can guarantee that. Review your home and contents insurance to ensure that any extra covers needed are included, and that your sum insured— the amount your home and contents are insured for, which should reflect how much they would cost to rebuild, repair or replace—is adequate.
During a storm
The safety of you and your family should, of course, be your number one priority. Ensure that all family members are indoors, and away from glass doors or windows.
While it is unlikely that plumbing or appliances can lead to an electrical shock, as they’re normally properly earthed, avoiding things like showering can reduce your risk even further.
If you’re outdoors and can’t make it inside, avoid tall trees and powerlines. If you’re driving, pull over where safe to do so.
After a storm
Once you’ve checked that your family are okay, and taken care of any required first aid, you should check whether your home has suffered any damage.
Storms are considered an insured event for home and contents insurance, so you’re entitled to make a claim for damage they may cause to your house, your contents, or both. For details on coverage, please read the PDS. It’s simple to claim online , or over the phone by calling 13 10 10.
Since GIO is part of the Suncorp Network, you can use the Suncorp App to make a claim quickly and easily from your smartphone.
- Reducing your risk during flood season
- Reducing your risk during bushfire season
- Is it covered by Home and Contents Insurance?
Insurance issued by AAI Limited ABN 48 005 297 807 trading as GIO. Read the Product Disclosure Statement before buying this insurance. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.