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Disaster & catastrophes

Tsunamis

May 14, 2021 by TheoTheoICA

Home Disaster & catastrophes Page 21

Tsunamis

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Tsunamis do occur in our region, however there is no recent record of tsunamis causing property damage in Australia. Geological records show tsunamis have struck the Australian coastline in the past. 

Tsunamis are a series of seismic sea waves created by an underwater disturbance such as an earthquake, landslide, meteorite or volcanic eruption.

Tsunamis can move at hundreds of kilometres an hour and can create huge waves when they reach land. From the area where a tsunami originates, waves travel outward in all directions. As the waves approach the shore they can build in height.

The Joint Australian Tsunami Warning Centre is operated by the Bureau of Meteorology and Geoscience Australia. 

Based in Melbourne and Canberra, it gives Australia an independent capability to detect, monitor, verify and warn the community of tsunamis in our region and possible threats to Australian coastal locations and offshore territories.

Some general insurance policies cover tsunamis, for example when the proximate cause is an earthquake. Check your policies with your insurer if you are unsure.

Before a tsunami

Generally, coastal and nearby low-lying areas are most vulnerable to tsunamis. A tsunami can strike with little warning.

Once a warning has been issued you may have little time to prepare other than moving to a safe location. However, you can take some steps to ensure your safety:

  • Know your community warnings and disaster plans, contact your local authority or emergency service if unsure whether you are at risk
  • Know the height of the street above sea level and the distance of the street from the coast or other at-risk areas
  • Prepare a disaster plan. Start with having somewhere safe to go. Think of someone who could house you and your family and talk to them about what might happen in the event of a tsunami
  • Conduct a household contents inventory to ensure valuable assets are adequately protected and you are not underinsured
  • Prepare a disaster supply kit. This should include some cash, food, water, toiletries, medication, your household inventory, copies of important documents, protective clothing, a radio and a torch – and batteries for both.
  • Know where and how to turn off mains power, water, gas and solar power
  • Decide on the best plan to protect pets and other animals
  • If you are near the coast when an earthquake strikes, listen to ABC local radio  for updates or visit the Bureau of Meteorology to find out if there is a tsunami warning.

During a tsunami

If a tsunami warning is triggered, move away from the coast or harbour, move to higher ground or to a tall, sturdy building.

Enact your disaster plan, have your disaster supply kit readily available and monitor information from local authorities and emergency services.

Tsunami-driven water can cause havoc across coastal populations and landscapes, and surges of water can last for hours after the first wave.

You could be stranded for many days until the water subsides and some remote areas can remain isolated much longer.

After a tsunami

Avoid entering flood water, on foot or in a vehicle. Flood water can contain raw sewage and contaminants, can conduct electricity, mask hidden hazards, and pose a serious hazard to health. 

Only return home once local authorities say it is safe to do so.

If you return home and find your home is unsafe, notify your local authorities and check with your insurance company whether you can claim temporary housing expenses. If you need help from state emergency services volunteers call your local SES unit.

Once you can safely return to your property you should:

  • If water has entered the property, don't turn on your electricity until it has been inspected by an electrician
  • Contact your insurance company as soon as possible to begin the insurance claim process
  • Take photographs or videos of damage to property and possessions before you start cleaning up, and keep samples of materials from damaged goods, as evidence to support your claim. This will be used by your insurer to process your claim as quickly as possible
  • Remove and discard any water or mud-damaged goods that pose a health risk, such as saturated carpets and soft furnishings
  • Store damaged or destroyed items somewhere safe; do not throw away goods that could be salvaged or repaired
  • Speak to your insurer before you attempt or authorise any building work, including emergency repairs, and ask for the insurer’s permission in writing. Unauthorised work may not be covered by your policy
  • Don’t worry if you can’t find your insurance papers. Insurers have electronic records and need only your name and address.

Useful links

Help in a disaster
Current catastrophes
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icon www.moneysmart.gov.au

Storms

May 14, 2021 by TheoTheoICA

Home Disaster & catastrophes Page 21

Getting storm ready

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Storms can strike at any time, and often without warning, so the best way to protect your family, home, business and assets from damage and loss is to be prepared. Ensuring you have the right insurance in place is part of being prepared and your local state emergency services group can also provide advice on how to prepare for storms in your area.

Know you're covered ahead of time

There are practical actions that all householders can take to prepare for and reduce the risk of storms and extreme weather:

  • Inspect your property and take practical steps to reduce risk such as cleaning gutters, keeping lawns and gardens maintained and cleaning up green waste items around the property. Take the advice of relevant agencies in your area when preparing your home for summer weather conditions.  
  • Prepare a room-by-room inventoryof the contents of your home. This list helps determine if your assets are adequately protected and can save time when making a claim.  
  • Use an online building and contents calculatorto ensure your insurance cover adequately covers estimated costs to repair, rebuild or replace home and contents, vehicles and any outbuildings on your property in event of a disaster.  
  • Review all building, contents, and landlord insurance policies. Make sure you understand what cover you have, as well as any exclusions or limits that may be part of your insurance policy. It is important to be aware of these exclusions and to query your insurer about any part of a policy you do not understand.  
  • Ensure you are covered now before extreme weather threats are heightened, as some insurers may place a temporary embargo on the purchase of new policies if extreme weather is imminent. 

Reduce the risk of damage if a storm is headed your way

If a storm is approaching, there are practical steps you can take to minimise damage to your property from storm, where it is safe to do so, including:

  • Move your car under cover or away from trees.
  • Remove dead or rotting trees and trim branches that overhang property (do it safely and remember that you may require a council permit).
  • Secure all loose items outside your property, such as garden furniture, umbrellas, sheds, trampolines and cubby houses.
  • Close shutters on doors and windows. If there are no shutters close window blinds, drapes and curtains.
  • Unplug non-essential electrical equipment, install surge protectors and be prepared to turn off mains power, water, gas and solar power well before the storm arrives.

Keeping safe during a storm

  • Your safety should always be your priority.
  • Keep up to date on conditions by listening to ABC local radio or checking the Bureau of Meteorology.
  • While conditions are severe, stay indoors and keep clear of windows.

What to do in the immediate aftermath

  • Safety is the priority - don’t do anything that puts anyone at risk.
  • Do not drive your vehicle if it has suffered water damage.
  • If you were directed to evacuate your property, only return to your property when emergency services give the go ahead.
  • If water has entered the property, don't turn on the electricity until it has been inspected by an electrician.

Contact your insurer

  • Contact your insurer as soon as possible to lodge a claim and seek guidance on the claims process.
  • Let your insurer know if you've sustained roof damage.
  • Speak to your insurer before you attempt or authorise any building work, including emergency repairs, and ask for the insurer’s permission in writing, as unauthorised work may not be covered by your policy.
  • Do not be concerned if you can’t find your insurance papers. Insurers have electronic records and need only your name, address and date of birth.
  • If you are in urgent financial need you can ask your insurer to fast track your claim and make an advance payment within five business days of you demonstrating your urgent financial need. Any advance payment may be deducted from the total value of your claim.

Yes, you can clean up but check these tips first

  • Remain mindful of safety.
  • Before you start your clean-up take photos or video of damage to your property and contents / possessions to support your claim. 
  • Remove any water damaged items from the property that may pose a health risk. Take photos or keep small samples of water damaged items to support your insurance claim.
  • Don’t throw away items that could be repaired, unless they pose a health risk.
  • Make a list of each damaged item and take photos. If possible, include a detailed description, such as brand, model, and serial number.

Useful links

Help in a disaster
Current catastrophes
icon Lorem ipsum
icon www.moneysmart.gov.au

Preparing for flood

May 14, 2021 by TheoTheoICA

Home Disaster & catastrophes Page 21

Preparing for flood

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Floods can happen within a few minutes or hours of heavy rainfall, a dam or levee failure or when a creek or river breaks its banks, or flooding can occur after several days of heavy rainfall when the ground becomes saturated. 

Flood risk is not based solely on an area’s history of flooding; factors including rainfall, topography, flood mitigation and changes to the landscape caused by new infrastructure or developments can all cause exposure to flooding.

Improving resilience to flood

There are numerous steps that you can take to improve the resilience of your home or business to extreme weather events.

  • Elevating the floor above defined flood levels
  • Wet-proofing through the use of water-resilient materials such as polished concrete or tile floors
  • Use of water-resistant wall framings and internal linings

Before a flood

Planning ahead is the best way to protect your family, home, business and assets from flood damage. Insurance helps to do this, so review your insurance policies and ensure your level of cover is appropriate.

Familiarise yourself with your local council’s emergency management plan or any flood-awareness material provided by local councils.

Property owners can take various steps that may reduce the level of impact experienced during a flood, including:

  • Prepare a household inventory of the contents of your home and avoid being under insured by checking that the sum insured matches the value of your home and contents.
  • Prepare a disaster plan that sets out what to do, where, when and how to manage property and family during a flood.
  • Prepare a disaster supply kit, with cash, food, water, toiletries, medication, your household contents inventory, copies of important documents, protective clothing, a radio and a torch – and batteries for both.
  • Check you have comprehensive car insurance. Remember that compulsory third-party insurance does not cover you for damage to your vehicle.
  • Know where and how to turn off mains power, water, gas and solar power.
  • Decide on the best strategy to protect your pets and other animals.

During a flood

If you are experiencing a flood there are practical steps you can take to stay safe and minimise damage to your property. This includes:

  • Enact your disaster plan and follow the instructions of local authorities and emergency services
  • If possible, lift furniture, clothing and valuables off the ground so they don’t get wet
  • Ensure electrical equipment is unplugged and mains power, water, gas and solar power is turned off
  • Have waterproof bags ready to protect clothing and important documents from storm damage
  • Avoid entering floodwater on foot or in a vehicle. Floodwater can contain raw sewage and contaminants, conduct electricity and can mask hidden hazards. It can be deeper than you think and may be flowing rapidly.
  • Stay informed and listen to ABC Local Radio and visit the Bureau of Meteorology website for updates.

Useful links

Code of Practice
icon Fact Sheet: Returning to your property after flood
icon Fact Sheet: Preparing for a flood
icon www.moneysmart.gov.au

Look out, disaster chasers about

May 14, 2021 by TheoTheoICA

Excess payments via SMS

We are not aware of any insurers who seek excess payment via SMS.

If you're ever in doubt about a payment request via text, email or phone, contact your insurer directly.

Home Disaster & catastrophes Page 21

Look out, disaster chasers about

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‘Disaster chasers’ typically present themselves in a disaster impacted area shortly after an event occurs but can also appear months later. They may door knock neighbourhoods, claiming to have identified damage at your property or premises, or in some very bold cases they may claim that they are here at the behest of your insurance company. 

Disaster chasers might do the following:

  • Claim to be able to identify damage to your property that you were unaware of, sometimes by way of a free inspection
  • Ask for money up front
  • Promise to get the repairs done in a short amount of time
  • Promise to get the repairs done for an amount that is far below legitimate competitors’ bids
  • Not have insurance or necessary licenses
  • Ask you to sign a contract, on the spot
  • Claim that they will be able to get your insurer to pay more for an insurance claim than you could manage yourself

Top tips for identifying or dealing with a disaster chaser

  • Insurers will not send a tradesperson or builder to your property or premises without notifying you and providing you with details. 
  • Speak to your insurer before agreeing to any repairs or rebuilding work to make sure your insurer will cover it.
  • If in doubt, ask for identification such as a builder’s licence or driver’s licence, and ring your insurer to check.
  • Don't sign contracts with a disaster chaser if they door knock.
  • If you have signed a contract, there is a cooling -off period, your insurer can help you end the relationship with the disaster chaser.

If in doubt, report any suspicious activity to government authorities or police.

Look out, disaster chasers about

Useful links

Help in a disaster
icon Fact Sheet: Disaster Chasers
icon www.moneysmart.gov.au

During a natural disaster

May 14, 2021 by TheoTheoICA

Home Disaster & catastrophes Page 21

During a natural disaster

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During a natural disaster

During a natural disaster, safety should always be the first priority.

There are 3 steps you can take to protect yourself during a natural disaster.

1. Enact your plan

This includes your natural disaster plan, communication plan and – if necessary – an evacuation plan. 

Have your natural disaster supply kit handy and eliminate any potential hazards around your home and property.

If you are advised by emergency authorities to evacuate, do so immediately, take your supply kit, lock your house and follow evacuation instructions. Tell someone when you leave and where you are going, make sure to check for updates on the situation regularly.

Do not return until emergency services declare it safe to do so.

2. Stay informed

Knowing what to do in the event of a natural disaster can help to keep you and your family safe and save precious time.

The following organisations provide vital information during a disaster:

  • The media, particularly ABC Local Radio, plays an important role during a disaster. Stay aware of the news and tune in to local radio and TV channels for warnings, evacuation orders, weather updates and safety announcements
  • The Bureau of Meteorology issues warnings for extreme weather conditions. Visit the website for forecasts, the latest watches and warnings in your area.
  • Local authorities and emergency services are the first responders and can provide crucial information. They will be able to tell you where there are shelters, the extent of the damage and, if you have evacuated, when it is safe to return home
  • Emergency services provide warnings and updates about natural disasters via websites and social media accounts 
  • Emergency Alert is the national telephone warning system used by emergency services to send voice messages to landlines and text messages to mobile phones, in a specific area, about likely or actual emergencies. In the case of an emergency, you may receive a voice message on your landline or a text message on your mobile phone. More information is available on the Emergency Alert website
  • The local fire service or State Emergency Service can provide details on what to do

3. Stay safe

If you are staying at home, ensure your house is safe, which might mean turning off your electricity, gas and water. Secure outdoor furniture and disconnect electrical appliances if necessary. 

During a natural disaster services you rely on, including electricity, water, internet and phone services may be turned off or disrupted. 

Be careful with food and water. If the power goes out, food in the fridge will spoil. Use common sense and do not eat anything that may have gone off. Water supplies could be temporarily cut or be contaminated.

Remember, it could be several days before services are restored and local stores reopen. Even then, they may be limited.

It’s not just your home you need to be mindful of when there’s a natural disaster. The environment inside or outside your home may also change. It’s possible roads will be damaged or closed and public transport may not be available.

If significant damage occurs it’s also likely buildings, roads, bridges and other structures may be damaged and unsafe.

Electricity, gas, water and telephones may be off for days or weeks. Damaged infrastructure, such as roads, bridges and rail lines, will take longer to restore.

Useful links

Help in a disaster
Current catastrophes
icon Lorem ipsum
icon www.moneysmart.gov.au

Fact Sheet: Preparing for a flood

May 13, 2021 by insuranceca

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