How do you file a home insurance claim for flooding?

How do you file a home insurance claim for flooding?

Natural disasters are a fact of life in Australia, though they still take many of us by surprise. If you’ve been affected by storms and flooding, you’ll want to quickly find out what’s covered by your insurance so you can make a claim.

Home insurance, contents insurance, or both?

If you have home insurance, you may be covered for flood damage to the structure of your home itself – foundations, walls, and so on. If you have contents insurance, you may be covered for damage to the possessions inside your home, such as your furniture, appliances and electronics.

If you have home and contents insurance, your combined policy may cover both your home itself and the possessions inside it.

Is flooding covered? 

Depending on your insurer, and the policies you’ve taken out, you may be covered differently for floods than for other disasters. Flooding may be covered by default in your policy, or it may be specifically excluded, or it may be an optional extra to be selected.

Water damage to your home or contents may be covered differently depending on if it was caused by flooding, storms, rainwater, run-off, or some combination of the above. Some insurers may define each of these in slightly different ways, which could affect what you may or may not be able to claim. For example, water damage caused over time by a leaking bathroom pipe may not be covered, but a flooded garage from stormwater overflowing from a nearby dam might.

Check your product disclosure statement (PDS) to confirm what your home and contents insurance policy does and doesn’t cover, and whether you’re covered in your situation. If you’re not sure, contact your insurer.

Where do you live?

Some areas are more prone to flooding than others. If you live in an area that’s particularly prone to natural disasters that lead to floods (such as tropical cyclones), you may find that insurers won’t provide you with flood insurance by default – at least not without paying some very expensive premiums.

What does your policy cover?

Depending on your policy, you may be able to receive different benefits when you make a flood claim.

Repairs

If your home and/or contents are damaged but still usable following a flood, your insurer may be able to help pay for repairs to get them back into full working order.

Replacement

If your home’s contents are damaged beyond repair after a flood your insurer may be able to help cover the cost of replacing them. Depending on your policy, these may be new for old replacements, or you may be paid out a predetermined dollar amount to cover the cost of replacements.

Rebuilding

If your home has been rendered uninhabitable after a flood, your policy may be able to cover the cost of rebuilding the property.

Temporary accommodation

If you’ve been forced to move out after a flood while the damage is repaired, your insurer may be able to help cover the cost of this accommodation, whether it’s a short hotel stay or a longer-term rental property.

Making a claim

  1. Stay safe! – Avoid entering a completely flooded home until the relevant authorities have declared it safe to do so.
  2. Document everything – Take photos, make lists, collect paperwork, and keep the information safe. The more details and evidence you can provide your insurer, the more accurately they can assess your claim.
  3. Contact your insurer – Find out what they will and won’t cover, and if there are any special terms and conditions you may have to fulfil.
  4. Wait for  assessment – Depending on your situation, the insurer may send out someone to look at your property and quote for the repair costs. You can also obtain your own independent estimates for comparison, though your insurer may need to give consent before any work starts.
  5. Start organising repairs and/or replacements – Your insurer may be able to help you find the products and/or services you need.

Don’t forget to contact the bank

As well as contacting your insurer after a flood or similar natural disaster, you may want to reach out to your bank to find out if you qualify for hardship assistance. For example, you may be able to temporarily put your mortgage payments on hold, access term deposit balances ahead of schedule, or have fees waived on other financial products and services.

Even if your bank hasn’t organised a big public relief fund after a major natural disaster, or if you’ve only experienced a local flood, you can still contact your bank to apply for hardship if you’re in a tough situation. This may not be the first thing you think of while you’re putting your life back together after a flood, but some extra relief can be a big help.

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Learn more about home insurance

Does homeowner’s insurance cover electrical problems?

Every home has a range of electrical fittings,appliances and wiring running through the structure of the house. You can face many kinds of electrical problems but, unfortunately, your home insurance policy may not cover all of them. Damage accidentally caused by natural accidents may be covered, as might the repair of motors if you have opted for fusion damage cover. For example, if there’s a lightning storm and your home suffers a power surge which causes a short circuit, any repairs needed may be covered if your homeowner’s insurance contains lightning damage.

However, if any electrical appliances stop working, even a home and contents insurance policy may not cover the cost of repairing the appliance. Also, you should check with your insurer about making any electrical repairs inside your home as that may affect your coverage. 

Usually, in Australia, you need to hire a professional electrician to carry out any inspections or repairs to the electrical system in your home. This can include conducting periodic checks to make sure the electrical wirings are not exposed to seepage, flooding, or attacks by rodents. Consider asking your insurance provider about optional coverage for fixed electrical appliances such as air-conditioners and washing machines.  

Can you withdraw a home insurance claim?

If your home is damaged, say due to a fire or a storm, your first thought may be to file a claim for the repair costs. 

You may later realise that the claim is too small and not worth the effort of filling in the paperwork and losing any no-claim bonus. Instead, you may think ‘I’d like to withdraw the claim’. 

In this scenario, you can simply tell your insurer that you wish to cancel your claim. Keep in mind when you withdraw the claim, it often continues to remain on the insurer’s records, but with no payout recorded.

You may wish to withdraw your home insurance claim for several reasons. You may realise the damage is minor and the repair cost is close to or less than the excess. The excess is the amount you agreed to pay on top of your insurance payout.

Before making a claim, it’s important to understand it may increase future premiums and also affect your ability to get insurance later. 

So in summary, when asking “can I withdraw my home insurance claim?”, the answer is yes. However, before making a claim, it may be worth looking at if it is worth it.

Does home insurance cover tree root damage?

While trees can add much beauty to your property, they can be an indirect cause of damage to your home. For instance, a storm could knock branches off trees on to your roof or windows. A really strong storm may even cause the tree to topple entirely. 

Home insurance may not directly cover tree damage to your house. However, the policy will likely cover the incident, such as a storm, which resulted in branches or uprooted trees falling on your home. You can check your home insurance policy’s coverage for various incidents by reading the insurer’s Product Disclosure Statement (PDS).

You should remember that trees can require regular maintenance, just like the plumbing in our homes. Insurers may check whether the tree, its roots or its branches were rotting due to a lack of care, in which case the damage caused by the tree falling on your home may not be considered accidental damage. Again, if a branch falls on your house while you’re trimming it, you may not be able to claim compensation from your insurer for the damage. If any trees are growing too close to the walls of your home, consider checking that none of the branches or roots is causing any stress to your home, which can result in structural damage.

Is my home insurance covered for weather damage?

It is important to understand what is covered and what isn't covered in your home insurance policy before purchasing it. One crucial point to consider at the time of evaluating home insurance policies is whether it includes home insurance weather damage cover, and what it actually means if it does.

Typically, the protection afforded by home insurance actually depends on how the home was damaged or affected by conditions. The whole idea behind home insurance is to protect you from loss or damage against an unexpected, sudden event, like a fire or storm. If your home was in the way of a storm and your roof was damaged, which also caused internal water destruction, you may be covered for the damage to the roof and the property. The same holds true for walls or a fence that got damaged in a storm or flood.

However, you may not be covered if the damage occurred because your property was not well maintained and your home suffered a leak. A poorly maintained fence is less likely to be covered by home insurance.

Does homeowners insurance cover blown-down fences?

Most insurers consider fences a permanent fixture on your property. They are ranked alongside your home, garages or sheds, swimming pools, and solar panels when it comes to your home insurance policy. Your policy, therefore, covers your fences for the same incidents that cover your home or other parts of your property. For example, if there’s a major storm in your area and fences get blown down, you can get your insurer to pay for the cost of repairing the fence. You can check your insurer’s Product Disclosure Statement (PDS) to confirm that your policy covers the incident before filing a claim. Also, if the fence that has been damaged or blown down divides your property from your neighbour’s, you both may file a shared fence damage claim with your respective insurers. 

You should remember that there may be situations when your home insurance policy doesn’t cover damage to the fences on your property. Suppose you were working on or near the fence and cause some sort of damage to it you may not be able to claim compensation in this case.  Wear and tear on a wooden fence from water-logging near the fence, can be considered negligence on your part and your insurer may deny your claim.

Does home insurance cover temporary accommodation?

Seeing your home damaged by a natural disaster such as a bushfire or a hail storm can be traumatic. Unfortunately, sometimes your house may become uninhabitable after such an incident and require major renovation or even rebuilding. In such circumstances, your home insurance policy should cover the cost of temporary or emergency accommodation. 

It's worth checking with your insurer on the coverage limit, as different insurance providers may cover the cost of renting another home for a number of months, though this will vary between coverage cost and insurance provider. However, the maximum coverage will probably run for 12 months. Upon filing a claim, most insurers will likely first ask an inspector to confirm that your home is too damaged to live in, and subsequently cover the cost of temporary accommodation after that. 

You could also need temporary accommodation because the local council or other governing authority may order an evacuation in anticipation of a problem or disaster. In that instance, you should check if your insurance provider will cover the cost of accommodation at such a time and, if so, how you can file a claim in such cases. If you are a pet owner, check if your home insurance policy covers the cost of temporarily housing your pets elsewhere.

Does home insurance cover tenant damage?

If you have a property that you rent out to tenants, you may ask, does home insurance cover tenant damage? Generally, as a landlord, you’ll require a different type of insurance policy than a regular home and contents insurance that offers coverage for the unique situations faced by landlords.

Landlord insurance

As a landlord, you must insure against additional risks to protect your investment. A landlord home and contents insurance policy covers loss due to natural disasters, storm, and fire. Generally, it also covers fixtures like stovetops, light fittings, window coverings, carpets, and ovens.

Additionally, you may protect yourself against any loss arising due to damage to your property caused by your tenants or their guests. Some landlord insurance policies may also protect you against financial loss due to unpaid rent.

Does homeowners insurance cover tenant damage? In most cases, regular homeowners’ insurance policy will not cover such damage. It’s always best to refer to the product disclosure statement (PDS) to clearly understand what is included and excluded from your home insurance policy.

How to make an ANZ home and contents insurance claim?

Making a home and contents insurance claim for the very first time can surely be a daunting task, especially in the event of a major loss incurred by a catastrophic event such as storms or floods. Moreover, your claims history can impact your premium rate, so it’s important to carry out the process as efficiently as you can. Fortunately, the process of raising an ANZ home and contents insurance claim is fairly simple.  

The very first step you should undertake is contacting your insurance provider online or over the phone as soon as you can. The ANZ home insurance claim contact number is 13 16 14 and is available weekdays from 8 am to 8 pm AEST. Be sure to have your policy number ready when you make the call, though. If you don’t remember your policy number, you’ll need to confirm a few of your personal details, following which the insurer will be able to locate your policy and proceed with lodging the claim. 

Your insurer will then ask you a series of questions regarding the event and the loss you incurred. As a note, it’s a good practice to submit photos of the damages while lodging your ANZ home insurance claim. Contact the police in the event of theft and provide the report number to your insurer when lodging the claim. 


ANZ may send an assessor or representative to inspect the damages onsite, and may even arrange for qualified or experienced replacement specialists to inspect the losses and provide quotes for repairs. As such, it’s ideal to conduct repairs or replacements to your home and contents only after your insurer has agreed to them. 

Does home insurance cover termite damage?

It is unlikely that the average home insurance policy will cover damage caused by termites, mice, or other vermin, which are typically the result of negligence. For instance, water may have seeped from a heater or washing machine and dampened the woodwork in your home, attracting termites. Since termites usually build colonies, you’ll need to deal with the existing infestation and also take preventative steps to prevent future termite damage.

Treating your home for termite damage can be quite expensive, and you’ll likely have to make significant repairs depending on the size of the infestation. You may want to check if your neighbours have also had termite damage issues, and consider taking more long-term measures to keep termites away.  For example, you could install a chemically-treated soil barrier or baiting station, both of which may be effective for a few years. 

Consider inspecting your home  for any leakage or seepage from time to time, especially in the flooring or the outer edges of your home, as a precaution against damage by vermin. You may also want to consider hiring a pest control professional who can inspect and treat your home to protect against termites.

What is a home insurance premium?

Your home insurance premium is what you pay your insurance provider for covering your home under their home insurance policy. It is calculated based on the type of coverage you choose for your home as well as any additional coverage you buy for either your possessions or specific incidents. Your premium can either be paid annually or in smaller instalments. 

Your home insurance policy may cover the total replacement cost, which is the actual expense of rebuilding your home from scratch. Alternatively, it can cover an insured sum, which is a predetermined estimate of what it might cost to rebuild your home. You’re more likely to pay a higher premium for total replacement cover than for insured sum coverage.

Apart from selecting your coverage, you’ll have to figure out your excess, which is the amount you pay out of your own pocket for each insurance claim. If you are okay with paying a higher excess, your insurance premium may be lower. Conversely, if you choose a lower excess, you may pay a higher premium. 

Your insurance premium can also be higher if you live in an area prone to incidents like floods, bushfires, or theft, as insurers are more likely to receive a higher number of claims in such neighbourhoods. 

If you also want to buy insurance for your belongings, a combined home and contents insurance policy may have a lower premium than paying premiums on separate policies for your home and your belongings. 

Does home insurance cover asbestos removal?

If you’ve inherited or purchased an old home, the house may have been built using asbestos. While it may not cause harm in sealed walls or ceilings, exposure to loose asbestos dust can cause serious health issues. Although the Australian government completely banned using asbestos-based building materials in 2003, houses built earlier may also have asbestos in the cladding or the ceiling for insulating and fireproofing.

Many home insurance policies do not cover asbestos removal. However, in some circumstances, insurers may still pay for its removal. For example, hail storms or falling trees can damage the roof or the walls of your home, causing the asbestos to become more likely to release fibres. If your home insurance covers hail storms or tree damage, your insurer may pay for asbestos removal. Having said that, a better option is to check with an insurance company to see if they cover asbestos removal before purchasing their home insurance policy.

In general, when living in an old home, you need to take precautions to make sure you don’t accidentally cause asbestos materials to crumble. You should also plan for regular maintenance to prevent wear and tear to any areas containing asbestos.

Is hail damage covered by home insurance?

If storms are among the incidents covered by your home insurance policy, hail damage protection is more than likely assured. While all policies differ based on your needs and what a home insurance provider will offer, some things are close to a certainty. 

Extreme weather events tend to be unpredictable in their severity, but dangerous all the same. You'll never be able to fully prepare for any damage caused, be it lightning, strong winds, rain leading to flooding, or hailstorms, but home insurance can at least provide you with a way to deal with life's unpredictable nature. 

If your home suffers from hail damage, you can file a claim with your insurer. In the event that this happens, remember to take pictures of any hail damage as an insurance adjuster will need to evaluate the impact on your home. Any additional wind damage to your roof will also need to be documented similarly.

You may want to check if your home insurance also covers hail damage to the cars parked on your property, and then file the claim for the total damage caused by the hailstorm. Once your claim is approved, your insurer should offer you either a cash settlement or refer you to a network vendor for the necessary repairs.

How to file a Youi home insurance claim

Dealing with a disaster is never a pleasant experience, but it can be worse if your home is extensively damaged. At some point, you’ll have to estimate the damage to your home and file the necessary insurance claim. 

If you’ve bought a Youi home insurance policy, you can contact them regarding an insurance claim either by calling 13 9684 or through the Youi website. If you don’t remember your policy number, you can identify yourself and provide your address when speaking to a Youi member to grant yourself access to your policy details, handy if you’ve had to leave home in a rush and may not have had the time to collect any of your belongings, let alone insurance policy documents. 

You may not need to fill out any claim forms right away, but you’ll need to describe the incident and the damage caused to your home. Once you’ve contacted Youi, an inspector will visit your home and verify the damage before your claim is accepted and processed. Insurers usually expect you to contact them at your earliest possible convenience after a damaging incident, or within 30 days at the latest, as is the case with Youi

Does home insurance cover accidental damage?

Home insurance offers cover for any damage to your house and most policies cover the main building, garage, permanent attachments, and other external buildings that can be locked. 

Every insurance policy lists the defined events that will be covered, such as fires, floods, lightning strikes, theft, or falling trees. A few may also offer the option of accidental damage home insurance cover for other possible mishaps and unintentional damage around the home, such as when the dog knocks over the TV, or when red wine is spilled on the carpet.

The home insurance accidental damage cover is available only for the address provided at the time of buying the policy.