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Submit a Claim

Cyclone

Cyclone
Emergency Contacts

Emergency Contacts

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

We understand how overwhelming it can be to deal with the aftermath of a cyclone, and our priority is to support you in getting back on your feet as quickly and safely as possible.

This recovery hub is your go-to resource for vital information and practical guidance. We’ve also included detailed support for dealing with specific cyclone-related issues — from flood damage and water intrusion to wind-related structural damage and debris cleanup. You'll find tips on protecting your property from further harm, understanding your policy coverage, and getting the help you need.

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

Cyclones

    • What do I do before a tropical storm or cyclone?

    Inspect for Loose Items
    Check your property for loose items such as garden furniture, toys, gas bottles, trampolines, and flags that could be damaged or become dangerous in strong winds or floodwaters. Secure or remove them as necessary to prevent them from being blown away or causing harm.

    Tip: Use ropes, straps, or heavy-duty ties to secure outdoor furniture or any items that cannot be moved.
    Clear Gutters, Downpipes, and Drains
    Ensure all gutters, downpipes, and drains are clean and free from blockages to allow water to flow freely. This can help prevent flooding and water damage during heavy rain.

    Tip: Consider placing a fine mesh over drains and downpipes to prevent debris from blocking them during the storm.
    Trim Overhanging Trees and Branches
    Trim back any overhanging trees or branches that could pose a risk of falling on your home, vehicle, or power lines during strong winds.

    Tip: If a large tree near your property seems at risk of falling, consider seeking professional advice on whether it should be removed or reinforced before the storm hits.
    Secure Roof, Windows, and Shutters
    Check that your roof is in good condition and that all windows and shutters are securely fastened. Storm shutters or plywood can help protect windows from flying debris.

    Tip: If you don’t have shutters, boarding up windows with plywood can provide additional protection. Use high-quality tape on windows to reduce the risk of shattering glass.
    Park Your Vehicle in a Sheltered Area
    If possible, park your vehicle(s) in a sheltered location, such as a garage or under a carport. This can prevent them from being damaged by high winds or flying debris.

    Tip: If you don’t have a garage or carport, consider moving your vehicle to a low-traffic area with fewer trees and structures that could pose a risk.
    Create an Emergency Plan and Kit
    Prepare an emergency plan and ensure that all family members are familiar with it. Your emergency kit should include essentials like water, food, medications, flashlights, batteries, a first-aid kit, important documents, and a portable charger. Keep it in an easily accessible location.

    Tip: Don’t forget to pack items for your pets, such as food, water, and any necessary medications. Have a backup power source for essential devices, like a power bank.
    Stay Updated on Weather Warnings
    Regularly monitor weather updates from reliable sources like the Bureau of Meteorology or your local State Emergency Service (SES). Pay close attention to evacuation warnings and other critical information.

    Tip: Set up weather alerts on your phone to receive real-time warnings so you can act quickly if needed.

    • What should I do during the tropical storm or cyclone?

    Stay Indoors and Away from Windows
    Remain inside your home at all times during the storm, and avoid going near windows or glass doors, as strong winds or debris could cause them to shatter.

    Tip: Move to an interior room or hallway if possible, especially if you don’t have a sturdy storm shelter.
    Seek Shelter Indoors if You’re Outside
    If you’re caught outside, immediately head indoors. Stay away from areas prone to flooding, such as near trees, drains, gutters, creeks, or waterways, as these can pose additional hazards during heavy rain and strong winds.

    Tip: If you’re caught in open spaces, try to find a sturdy building or structure to shelter in, avoiding weak structures that may collapse.
    Driving Safety
    While driving, be extremely cautious. Watch for fallen trees, debris, and flooding on the roads. Never seek shelter under trees, as they can be dangerous during strong winds.

    Tip: If conditions worsen, pull over to a safe, sheltered location, like a petrol station or sturdy building. Always avoid parking under power lines or large trees.
    If Driving Becomes Too Dangerous
    If the weather conditions become too hazardous to drive, pull over and stop immediately. Park your vehicle in a safe location and keep your seatbelt on while you wait for conditions to improve.

    Tip: When parking, position your vehicle with the reinforced front windscreen facing into the storm. This helps minimize potential damage from hail or flying debris.

    • What should I do after a tropical storm or cyclone?

    Inspect Your Property for Damage
    Assess your property carefully for any damage.
    Document Damaged Items
    Take clear photos or videos of the damage and record model numbers and descriptions (brand, serial number).
    Dispose of Spoiled Food
    If power is lost, discard any perishable food that may have spoiled.
    Avoid Hazardous Areas
    Stay clear of downed power lines, damaged roads, and floodwaters to prevent further risks.
    Stay Informed
    Regularly check local news or state emergency services for important updates and safety advice.
    Keep Samples of Damaged Materials
    Save samples of damaged materials to show your insurer.
    Remove Health Risk Items
    Remove items that could pose a health risk, like saturated carpets or soft furnishings.
    List Damaged Goods
    Make a detailed list of all damaged items, including brand, model, and serial number.
    Don’t Turn on Electricity After Water Damage
    If water has entered the property, have an electrician inspect it before turning on the power.
    Store Damaged Items Safely
    Keep damaged items in a safe area to avoid further health risks.
    Mitigate Further Damage
    Take emergency action to prevent further loss and submit related invoices with your claim (accepted costs are reimbursed only if the claim is approved).
    Don’t Throw Away Salvageable Items
    Don’t discard goods that may be repaired or salvaged.

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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