Stay safe not sorry this storm season

Extreme weather like storms and floods are part of life for Queenslanders. From November to April, its peak storm season in the Sunshine State.

Storms can cause a lot of damage to your property, and put lives in danger.

You can’t control the weather, but you can get ready with a ‘what-if’ plan, and buy some peace of mind by knowing you’re covered by the right insurance from a bank you can trust.

What’s your ‘what-if’ plan?

Get Ready Queensland offers a series of fact sheets to help you prepare for extreme weather, including how to prepare an emergency kit, getting ready for extreme weather, and checking on your neighbours. There’s even an emergency plan template to download and keep on your fridge or pantry.

What would you and your family need if the power was out for 3 days? Would you be OK if there was no water or gas?

Your storm prep kit might include:

  • a print out of your emergency plan (using the Get Ready Queensland template)
  • basic first aid supplies and essential medications like asthma inhalers and prescription medications
  • torches, candles and matches
  • a radio and batteries
  • three days worth of water and non-perishable food (don’t forget the pets!)
  • copies of valuable photos and documents e.g. insurance policies
  • a change of clothes, toiletries, warm blankets and pillows.

Keep it all in a waterproof box in a safe and accessible spot. Check it every six months and replace out of date items.

Check your home insurance

The first thing to do is check whether your home insurance is up to date and provides enough coverage. It’s simple to get a quote online through the QBANK insurance portal.

QBANK home insurance generally covers the core essentials of:

  • storm, rain or flood
  • falling trees, branches or aerials
  • lightning or thunderbolt
  • water or other liquid
  • fire
  • explosion
  • earthquake or tsunami
  • theft
  • vandalism
  • collision
  • damage by animals
  • riot
  • accidental glass breakage.

Tip: QBANK Home Cover covers your property if it is damaged, destroyed or stolen. If it can be repaired or replaced it will usually be on a ‘new-for-old’ basis, regardless of the item’s age.

Don’t forget the car

Hail damage can write your car off, so keep an eye on your car insurance policy too. If you’re not sure about your car being covered if it’s damaged at home during a storm or flood, check your policy or ask your insurer for more information. You’ll be glad you did if something goes wrong and you need a replacement or repair.

Tip: You might be eligible for a multi-policy discount. If you have a MemberCare insurance policy with QBANK, you receive a discount on each extra policy.

Make a plan

Everyone living in your house needs to understand the plan for what happens in an emergency. Consider things like:

  • emergency contacts
  • accommodation options if you can’t get home
  • how you’ll communicate with each other (what if phone reception goes down?)
  • who will pick up the kids (and care for pets)
  • a plan for securing loose items, moving vehicles under cover, or even taping windows and turning off electricity in severe conditions
  • making sure everyone knows where to find the emergency kit.

Tip: Don’t forget to check in on neighbours who might need a hand. The Get Ready fact sheet includes a list of ways to work together in your community.

Get out ahead of storm risks around the house

Ongoing maintenance means less stress in times of severe weather. Think about:

  • trimming trees and checking for overhanging branches
  • listing outdoor items to be checked and secured
  • keeping pipes and gutters clean.

Stay alert

If weather turns bad, you can stay across the latest on TV and radio stations, the Queensland Government alerts website, online or text weather warnings from your local council, or via BOM.

The State Emergency Service (SES) also provides great resources and may be your first point of contact if you have a storm issue.

You may automatically receive an alert to your mobile phone from the national emergency alert system.

Cover yourself for peace of mind

There’s nothing more important than the safety of you and your family. Be as prepared as you can and check your insurance covers everything you need. Talk to QBANK for help or get a quote from the QBANK insurance portal. Call 13 77 28.

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