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Submit a Claim

Flood

Flood
Emergency Contacts

Emergency Contacts

  • State Emergency Services 132 500
  • Police, fire or ambulance 000

Floods can cause sudden and widespread damage — but you don’t have to face the aftermath alone. We're here to help you through the recovery process, step by step.

Whether you’re dealing with water-damaged property, ruined contents, or the disruption to renting out your investment property, this hub offers the essential information you need.

Flood recovery can feel overwhelming, but getting the right help early makes all the difference. From your first inspection to your final repairs, we’re by your side — ready to assist with practical advice and responsive claims support.

Lodge a Claim

Coverage & Excesses

For more information on coverage and excesses, please refer to your Product Disclosure Statement (PDS).
View PDS

Checklist of what to do

Checklist of what to do if your property has been impacted
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Submit a claim online

The quickest and easiest way to submit a claim is online. We’ve streamlined the process to ensure you can get the help you need as fast as possible. Simply visit our claims portal and follow the easy steps to submit your details.
  • Quick & Convenient

    Quick & Convenient

    Submitting your claim online is the fastest way to get started on the road to recovery.
  • 24/7 Availability

    24/7 Availability

    You can submit your claim anytime, day or night, from the comfort of your home.
  • Direct Assistance

    Direct Assistance

    Our claims team will begin processing your request as soon as it's received, ensuring timely support.

We're here to support you

Our team understand how overwhelming it can be to deal with the aftermath of a natural disaster. Rest assured, we are committed to supporting you every step of the way as you begin to recover. Our team is ready to assist you with your property insurance claim.

Feel free to call us 1300 307 072.

FAQs

Flood

    • What do I do before a flood?

    Prepare Your Property
    Move valuable items and furniture to higher ground to protect them from potential water damage. If possible, elevate electrical appliances and utilities above expected flood levels.

    Tip: Use sandbags or other barriers around doors and windows to help block rising water.
    Clear Gutters and Drains
    Ensure all gutters, downpipes, and drains are clear of debris so that water can flow freely. This can help prevent localized flooding around your home.

    Tip: Place mesh covers on drains to prevent leaves and debris from causing blockages.
    Check Your Property for Vulnerabilities
    Inspect your property for areas where water could enter, such as cracks in walls, windows, or doors. Seal any gaps or cracks that may let in water.

    Tip: Use waterproof sealant on doors and windows if necessary.
    Create an Emergency Plan and Kit
    Prepare an emergency plan, ensuring everyone knows evacuation routes and key contacts. Your kit should include essentials like water, food, medications, a first-aid kit, a flashlight, batteries, and important documents.

    Tip: Include items for your pets, such as food, water, and any medications they need.
    Stay Informed
    Monitor weather alerts and flood warnings through the Bureau of Meteorology or local emergency services.

    Tip: Set up emergency alerts on your phone to get real-time warnings.

    • What should I do during the flood?

    Stay Indoors and Away from Water
    Stay inside your home and avoid going near floodwaters. Floodwater can move quickly and contain debris, posing serious risks to your safety.

    Tip: Move to higher ground within your home if water starts to enter.
    Avoid Driving
    If you’re on the road, avoid driving through flooded areas. Even shallow water can be dangerous, and roads may be damaged or washed away.

    Tip: Find a safe location to stop, such as a high point or a sturdy building, and stay in your vehicle until it's safe to move.
    Stay Informed and Follow Evacuation Orders
    Listen to local authorities and follow evacuation orders if given. Floodwaters can rise quickly, and it’s essential to move to higher ground if necessary.

    Tip: Use a battery-powered radio or your phone to stay updated on flood warnings and evacuation routes.

    • What should I do after a flood?

    Inspect Your Property for Damage
    Once it’s safe, inspect your property for damage caused by floodwaters, including structural damage, waterlogged furniture, and electrical hazards.
    Document Damaged Items
    Take clear photos or videos of the damage, including descriptions of items such as brand, model, and serial numbers for your claim.
    Dispose of Spoiled Food
    If the floodwaters have affected your kitchen, discard any perishable food that may have been contaminated.

    Tip:Also throw out any food stored in flood-affected areas to avoid health risks.
    Avoid Hazardous Areas
    Stay clear of downed power lines, damaged roads, and standing water. These can be dangerous due to electrical hazards or hidden debris.

    Tip: If there’s standing water in your home, avoid turning on electricity until a professional has inspected the area.
    Remove Health-Risk Items
    Remove any materials that could pose a health risk, such as saturated carpets, soft furnishings, or mold-affected items.

    Tip: Wear gloves and a mask when handling water-damaged items to avoid exposure to harmful bacteria.
    Mitigate Further Damage
    Take steps to prevent further water damage, such as covering holes or broken windows. Keep receipts of any emergency work done as part of your claim.
    Don’t Throw Away Salvageable Items
    Do not discard items that can be cleaned, repaired, or restored. Many personal belongings can be saved after a flood with proper treatment.
    Don’t Throw Away Salvageable Items
    Do not discard items that can be cleaned, repaired, or restored. Many personal belongings can be saved after a flood with proper treatment.

General

    • How do I lodge a claim?

    Submit Your Claim
    Complete our easy online claim form, and we’ll arrange temporary repairs to prevent further damage.
    Document Your Damaged Items
    While you begin cleaning up and we finalize the details, take photos and note the model numbers of any items you’re claiming for.
    Assess the Damage
    We’ll work with you to evaluate the extent of the damage and create a list of necessary repairs. As work progresses, we’ll update the list if additional repairs are identified.
    Prepare for Repairs
    Once the repair list is finalized, our builder will confirm the start date, and we’ll keep you informed every step of the way.

    • What are the expected turnaround times on my claim?

    During catastrophe events we see increases in enquiries & new claim lodgments, as well as a greater need to appoint assessor and builders. As such, our turnaround times may be slightly longer than usual.
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SGUA is a brand name of The Proplab Group Pty Ltd trading as St George Underwriting Agency, an Australian Financial Services Licensee (AFSL) authorised to deal in general insurance products.

Policies are issued by Certain Underwriters at Lloyd’s and distributed by The Proplab Group Pty Ltd trading as St George Underwriting Agency (ABN 59 009 357 582, AFSL No 236663).

General advice provided on this website does not take into account your objectives, financial situation, or needs. Please read the relevant Product Disclosure Statement, Financial Services Guide and Target Market Determination available from us to consider whether our product is right for you. Benefits are subject to terms and conditions, including excesses, limits, and exclusions of your policy.

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