In your state, you are required to confirm you wish to access this information. Please enter 'QLD' or 'WA' in the field below to continue.

No thanks

9 top insurance recovery tips for those affected by NSW storms

dubbo storm damage

With mini tornados, flash flooding and strong winds hitting parts of New South Wales overnight and more severe weather expected, uncertainty remains over how those affected will recover their insurance entitlements for the damages they sustained to homes and businesses. It’s not uncommon for insurance claims to be rejected or for claims to be delayed during what is often a very difficult time for those affected by the storms.

Shine Lawyers Disaster Recovery team have put together 9 top tips to help those affected by the New South Wales storms recover their full insurance entitlements.

  1. Find your insurance policy and review what you can claim. There are many categories of cover that most people are unaware of i.e. you could be entitled to temporary housing or you could be able to recover the costs of an accountant, a builder, quantity surveyor or a loss adjuster assisting you to put your claim together. If you don’t have copies of your policy you should be able to request them from your broker or the insurer directly. Always document your request in writing and keep in mind that the broker is paid by the insurance companies.
  2. Gather as much information as possible about the damage to your property. This should include photographs of your property before and after the loss, information about work done to improve your home over the years, including engineering reports and any information you might have received from the insurance company about your loss.
  3. Make an inventory of damaged possessions and, if possible, find receipts or bank statements to back the inventory up.
  4. Be very careful about concluding that damage is purely cosmetic. If the damage is more than cosmetic and you do not receive the full repairs or replacement now, you will be precluded from doing so in the future as the insurance company will not pay for hidden damage that was later discovered.
  5. If your home is unsafe and you have to find alternative accommodation, remember that you could be entitled to recover the costs of temporary housing.
  6. Always speak to an expert before going ahead with any repairs as your insurer might try to deny a claim for unauthorised work.
  7. When it comes to cleaning up the premises, you can remove and discard any water or mud-damaged goods that pose a health risk, such as saturated carpets or soft furnishings, but always make sure you take photos and keep samples of materials and fabrics to show the assessor and justify your claim.
  8. Don’t just accept your insurer’s first offer of settlement, especially if it leaves you short. Insurers have been known to try and minimise their losses. Call your broker or a legal professional if you aren’t happy with your insurer’s response. You do have remedies, including alternative dispute resolution without the need to go to court.
  9. Do NOT sign a release or acknowledge that any work is satisfactorily completed without speaking to a specialist.

 

Written by George Newhouse

Written by Shine Lawyers on . Last modified: May 25, 2017.

Join the discussion

Share this article:

There are 0 comments. Be the first!

Life insurance loopholes: How well do you know your policy?

There is no doubt that superannuation funds in Australia shamelessly fight for your membership. Given Australians’ retirement pooled savings have exceeded over $2 trillion, it comes as no surprise that the television, radio and internet are flooded with enticing advertisements from the superannuation sector. With employer contribution rates increasing since 2014, this fund of retirement […]

Read more

National Disability Insurance Scheme (NDIS) – A quick guide

Shine Lawyers’ Senior Solicitor Laura Hadfield guides you through the key features of Australia’s NDIS. Eligibility A person with a disability can apply to become a participant of the NDIS if they satisfy the following criteria: They must be under the age of 65 at the time of applying; They must reside in Australia; They […]

Read more

TPD insurance: When claims get rejected

Total and permanent disability, or TPD insurance can be your lifeline if you suffer an injury or illness that prevents you from returning to work in the same capacity. If successful, your claim provides you with a lump sum payment to help get you back on your feet; lost past income, lost earning capacity, any […]

Read more

Call Us Now

Our friendly consultants are available to talk Monday to Friday, 8:15am to 6:00pm AEST.

1800 618 851

Live Chat

Chat with Shine Lawyers through the livechat system without leaving your computer. No downloading, completely private and best of all - its easy to use.

Start a live chat now

Enquire Now

Enquire now