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Tips on dealing with insurance after a disaster

When it is safe to return to your property, you should make your own initial assessment of damage to your property. If damage has been suffered you should make contact with your insurer or insurance broker as soon as possible, so that the claims process can commence as quickly as possible.

Don't be concerned if your insurance documents have been lost or damaged. Insurance companies keep records electronically and only require the policyholder's name and address in order to locate a policy.

The Insurance Council has advised that anyone who may be having difficulty finding their insurance documents, or relatives and friends of people affected by the bushfires who have queries about who their insurer may be, can contact the Insurance Council on 1300 728 228 for assistance.

The Investment and Financial Services Association (IFSA) has advised that affected individuals, or relatives and friends of people affected by the bushfire, who are unable to determine who their life insurer is can contact IFSA on (02) 9299 3022.

If you are having difficulty with your insurer regarding your claim, you can contact the Financial Ombudsman Service on 1800 337 444. The Financial Ombudsman Service is an independent dispute resolution service approved by ASIC and provided free to consumers.

In certain circumstances, you may also be eligible to claim on other insurance policies you may hold such as:

  • Total and Permanent Disability
  • Term Life
  • Income Protection/ Disability Income
  • Accident and Illness
  • Trauma/ Crisis/ Critical Illness
  • Business Overheads
  • Business Continuity
  • Motor Vehicle

If you have any questions about what your policy covers you should contact your insurer or insurance broker.

Many people have Total and Permanent Disability and/or death insurance as part of their superannuation. If you are unsure of your type or level of cover, you should contact your superannuation fund.