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Hail & Storm

Hail & Storm
Emergency Contacts

Emergency Contacts

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

Hail and storms can strike unexpectedly, at any time of the year, and in any location. These intense weather events can bring strong winds, large hail, heavy rainfall, and lightning, causing significant damage to homes and properties. While storms can be sudden and destructive, taking steps to prepare your home can minimize the damage and help reduce the financial and emotional toll of hail and storm events.

This hub offers essential information on staying safe, filing a claim, and recovering as quickly as possible after a storm or hail event. You’ll find guidance on managing storm damage, cleaning up debris, protecting your property, and addressing any other storm-related challenges.

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

Hail & Storm

    • What do I do before a hail or storm event?

    Inspect Your Property for Vulnerabilities
    Check your property for any loose items such as outdoor furniture, tree branches, or garden ornaments that could become hazards in strong winds or hail. Secure or move them to a safe area.

    Tip: Use heavy-duty straps or ropes to secure larger outdoor items, such as trampolines or outdoor tables.
    Trim Trees and Branches
    Trim any overhanging tree branches that could fall onto your property or vehicles during strong winds or hail. This helps reduce the risk of damage to your roof, windows, or power lines.

    Tip: If trees near your home are large or unstable, consult a professional arborist to assess and safely remove them before a storm.
    Protect Vehicles
    If possible, park your vehicles in a sheltered area, such as a garage or under a carport, to protect them from hail damage. If you can’t, consider using a car cover to reduce damage from hailstones.

    Tip: If parking is not an option, move your car to a location with minimal exposure to falling trees or debris.
    Prepare an Emergency Kit
    Make sure your emergency kit is stocked with essentials such as water, food, medications, flashlights, batteries, a first-aid kit, and important documents. Keep it in a safe, easily accessible place.

    Tip: Include power banks or extra chargers for your devices to stay connected in case of power outages.
    Stay Updated on Weather Warnings
    Regularly monitor weather updates from reliable sources like the Bureau of Meteorology or your local emergency services. Pay attention to warnings for severe storms or hail events.

    Tip: Set up weather alerts on your phone to receive real-time notifications about storm developments.
    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 a hail or storm event?

    Stay Indoors and Away from Windows
    Remain indoors at all times during the storm. Avoid windows, glass doors, or skylights, as they could shatter due to flying debris or hailstones.

    Tip: If possible, move to an interior room or hallway, away from any external walls and windows.
    Stay Safe in the Event of Hail
    If hail begins to fall, stay indoors immediately. Hailstones can vary in size and cause serious injury or damage to property.

    Tip: If caught outside, seek shelter in a sturdy building or car and avoid areas where hail is likely to cause damage, like under trees or near glass structures.
    Avoid Driving
    Driving in stormy conditions can be dangerous due to heavy rain, flooding, and reduced visibility. Avoid driving during the storm, especially if hail is falling.

    Tip: If you’re already on the road when the storm hits, pull over safely to the side of the road, away from trees or overpasses, and stay in your car until the storm subsides.
    Monitor Power Outages
    Keep a flashlight or battery-powered light handy in case of power loss. Avoid using candles to prevent fire hazards.

    Tip: If power lines are down, stay clear of them and report the issue to local authorities immediately.

    • What should I do after a hail or storm event?

    Inspect Your Property for Damage
    Once it’s safe, assess your property for damage caused by strong winds, hail, or flooding. Look for damaged roofs, windows, vehicles, and outdoor structures.
    Document Damaged Items
    Take clear photos or videos of all damaged areas, including personal property. Record details such as the make, model, and serial numbers of items that have been affected.
    Dispose of Damaged Goods
    If hail or wind has caused significant damage to your possessions, dispose of any items that are beyond repair or that pose a health risk, such as broken glass or items with mold.

    Tip: Keep receipts for any emergency purchases, as they may be needed for your claim.
    Stay Clear of Dangerous Areas
    Avoid downed power lines, flooded roads, and areas where debris or structural damage could pose additional hazards. Be cautious when walking around your property.

    Tip: If trees or branches have fallen, avoid trying to remove them yourself, as they may be unstable or electrical lines may be tangled.
    Check for Water Damage
    If rainwater has entered your home, do not turn on electrical appliances until the property has been inspected by a licensed electrician. This can help avoid electrical hazards.
    Mitigate Further Damage
    Take emergency steps to prevent further damage, such as covering broken windows or using a tarp to cover roof leaks. Keep records of any repairs or emergency actions taken as part of your claim.
    Don’t Throw Away Salvageable Items
    If you have items that can be repaired or cleaned, don’t throw them away. Many personal belongings, including furniture and electronics, can be restored with proper care.

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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