Get ready for Queensland storm season! Yes, it’s “Get Ready Queensland” week (12th -18th October) and the Queensland Government are preparing everyone for this disaster season by providing as much information as possible.
Give yourself the best chance by preparing your household this storm season by completing these 3 simple steps:
- Have a planEnsuring your family is equipped with an emergency and evacuation plan will ensure that everyone knows what to do in the event of a disaster.
You might like to team-up with your neighbours for added assistance where required.
The Queensland government have put together a Household Emergency and Evacuation Plan form to be completed for your use.
- Pack SuppliesHaving an emergency kit during a natural disaster will provide a collection of essential items that will equip your household for at least 3 days of isolation. Your kit should be contained in a sturdy waterproof
storage container and stored in a safe, yet easily accessible please within your home. However, ensure that this is made childproof if necessary). Make sure the kit’s location has been documented in your emergency plan.
Please click here for a list of what to include.
- Make sure you’re covered
The importance of having home and contents insurance cover over your property and assets is paramount. Many people have been in the situation where they have found out too late that they did not have adequate insurance cover in the event of an emergency. The Queensland Government has stated that Queensland has been impacted by over 70 significant natural disasters since 2011.
Therefore, step 3 is to make sure your insurance is enough to cover the costs of rebuilding your home and or replacing your possessions.Both home owners and renters should check their policies and ensure they are fully aware of what their policy covers, along with any terms and conditions.
Questions to ask your insurance provider are as follows:
- What disasters does the policy cover?
- How do they define each disaster?
- How much will the policy cover?
- Does the policy provide enough insurance to cover the cost of rebuilding your house and any extra costs you might incur?
- Is your insurance adequate to cover the replacement of your possessions?
- Are your possessions covered for damage caused by potential local hazards, such as storm, cyclone, flood and bushfire?
- In what circumstances will the insurer reject the claim?
- Are you covered for the cost of temporary accommodation if your home is uninhabitable?
- Does pre-existing damage caused by a previous natural disaster or lack of home maintenance impact eligibility of insurance claim payouts?