Incoming Storm

Storm Season and Dealing with Storm Damage

Each year storms, hail and heavy rain cause tens of millions of dollars’ worth of property damage and injuries to people; not to mention the emotional anxiety experienced from witnessing your livelihood and belongings in ruin. We have first-hand insurance experience when it comes to dealing with storm and flood emergencies.

After a storm or flood

  • Only return to your property when emergency services have advised that it is safe to do so
  • Take pictures and record all damage to your property and possessions
  • If you are insured through an insurance broker, contact them immediately so they can report your claim to the insurer as soon as possible. Your insurance broker will be able to manage your ongoing claim on your behalf.
  • If you do not have a broker and know who your insurance is with, then you need to contact your insurer directly who will advise you of your next steps.

How can an Insurance Broker help?

If you find yourself needing to make an insurance claim, as insurance brokers, we act on your behalf to manage the claims process and ensure you can get back on your feet, fast.

Moreover, if you need to make a claim and there happens to be an issue, we can call on Ausure and Steadfast to escalate the matter. With the strength of a large organisation like Ausure and Steadfast behind us, we’re in a position to champion your claim at the highest level with insurers, in an effort to secure you the best possible outcome.

Be storm ready

To ensure you are prepared for any future severe weather events, here’s a list of top tips from insurance brokers


  • Prepare a household emergency kit. Include things such as a radio, first aid kit, batteries, torch and contact numbers.
  • Make sure everyone in your business and at home, know what the risks are and formulate a plan for contacting one another if separated.
  • Always follow the instructions of the emergency services.


  • Talk to your broker or insurer to understand:
    a) your sums insured – e.g. if your property is in a higher storm or flood rated area it may cost more to rebuild now than previously;
    b) your level of cover, terms and conditions specific to storms and floods on your policies – e.g. business, home and contents, motor vehicle and boat.
  • Check that your insurance policy includes cover for items such as interim premises and the adequate removal of debris from the property.
  • Keep current records of your contents, including types of furniture materials, types of plants and valuables in waterproof bags.
  • Keep a separate copy of those records electronically.

Property – Home or Business

  • Perform regular maintenance on your business, home and property as materials deteriorate over time
  • Clear your property of dead trees or bushes, ensuring they are away from the house and power lines
  • Secure loose outdoor items and garage vehicles
  • Have a builder check the structural soundness of your home and the condition of the roof as building standards change to reduce the risk of damage to your home
  • Keep gutters and down-pipes clear

More Tips to help You Get Ready for Storm Season. Contact Us Today to discuss your insurance needs or request a quote.

Photo Credit: Infinity Flight Photography

Published On: October 13th, 2017Categories: Personal Insurance, Reg Leis Insurance Services, Risk Management

Does your business have the right cover?

Starting a small business in Australia requires careful planning and adherence to legal requirements. For any business insurance needs, speak first to a qualified practicing insurance broker to understand the products that are right for you and your business. Our experts will work with you to ensure your business has the right cover, should the unexpected happen.