Key takeaways
- Storm and flood are different perils in most policies.
- River flood may be excluded even when storm damage is covered.
- After events, document damage before cleanup for claims.
Australian insurers treat storm, flood, and water damage differently. Understanding the definitions in your PDS determines whether a claim will be paid.
On this page
Storm vs flood definitions
Storm cover typically includes wind, rain, and hail damage to the building. Flood often means water escaping from a watercourse or rising from rivers — and may be excluded or require optional cover. Storm surge definitions vary.
Before and after an event
Before storm season: check sum insured, clear gutters, know your policy number. After damage: photograph everything before cleanup, contact insurer promptly, keep damaged items until assessed.
Step-by-step
- 1Photograph all damage before moving anything
- 2Contact insurer or emergency line within 24 hours
- 3Keep receipts for emergency repairs
- 4Do not begin permanent repairs until insurer approves
Making a claim
Provide photos, a list of damaged items, and repair quotes. If your area was declared a catastrophe, insurers may fast-track claims. Underinsurance may reduce payout — another reason to review sum insured.
General information only — not personal financial advice. Consider your own circumstances and read the Product Disclosure Statement (PDS) before purchasing any policy. Moneyhero may earn referral fees from some providers when you switch through us; this does not change how results are ordered. How we compare
Frequently asked questions
Flood, storm, and water damage — definitions, coverage, and what to do after an event.
Is flood cover included automatically in home insurance?
Not always. Since 2012, insurers must use a standard definition of flood in their policies, but including flood cover is optional. Check your PDS for whether flood is listed as an included event. Many policies in flood-prone postcodes exclude it or charge an additional premium.
How do I find out if my property is in a flood zone?
Your local council maintains flood planning maps that show overland flow, river flood, and stormwater risk categories. The National Flood Information Portal also provides property-level risk data. Insurers use similar data to price or exclude flood cover.
What should I do immediately after storm or flood damage?
Ensure safety first — do not enter a flood-affected building until authorities clear it. Notify your insurer as soon as possible, photograph all damage before temporary repairs, and document damaged contents. Keep receipts for emergency accommodation if you cannot live in the home.
Can my insurer refuse a claim if I delay reporting damage?
Policies require prompt notification of events. Significant delays without reasonable justification can complicate a claim. Report damage as soon as it is safe and practical, even if you are unsure of the extent — you can update the insurer with more detail later.