INSURING YOUR HOME

How to prepare for storm season


If you live on the northwest coastline of Australia, or in central Queensland, you’ll know how unpredictable storms can be. But with a storm management strategy, you may be able to reduce the risk of damage to your home this storm season.

What to do before a storm hits

Prepare your home and surroundings

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 pets indoors.

Create 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.

Stay updated with real-time weather alerts

There are a number of apps you can download to your smartphone to get real-time weather alerts, and stay prepared for when things make a make a turn for the worse. When you download and register for the new GIO app, you can sign up for real-time hail and extreme weather alerts to help you stay aware of the weather conditions. And if anything does happen, you can lodge, track, and review claims directly via the app too.

Check out the GIO App

Check your home and contents insurance

Ideally, your home won’t sustain any serious damage during a storm. But unfortunately, no amount of preparation can guarantee that. Review your home and contents insurance, if you have a policy, to ensure that your cover is right for you. Remember to check that your sum insured is adequate. This is the amount your home and contents are insured for, which should reflect how much they would cost to rebuild, repair or replace.

If you decide you want to change your sum insured amount, you can update this via GIO Online Services.

Compare Home and Contents Insurance options

Staying safe during a storm

During a heavy storm, the safety of you and your family should be your number one priority. Ensure that all family members are indoors, and away from glass doors or windows and always follow instructions of Emergency Services. While it’s unlikely that plumbing or appliances can lead to an electrical shock during storms, 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.

What to do 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 as long as its safe to do so.

Storms are considered an insured event^ for GIO home and contents insurance, so you can make a claim for damage to your building, your contents, or both. If your claim is accepted, cover will be provided up to the sum insured and within the policy limits. For details on coverage, please read the PDS. It’s simple to claim online, or over the phone by calling 13 10 10.

You can use the GIO App to make eligible claims quickly and easily from your smartphone.

Learn more about the GIO App 

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^ We do not insure you for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply.  Actions or movements of the sea and storm surge are not covered (unless the storm surge damage occurs at the same time as damage caused by storm). Other exclusions apply.

Insurance issued by AAI Limited ABN 48 005 297 807 trading as GIO. Read the Product Disclosure Statement before buying this insurance. The Target Market Determination is also available.  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.