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Flood Insurance Claims - Homes and Businesses

If your home has been damaged by flooding, or your business interrupted or devastated by flood damage, our team of expert insurance litigation lawyers can help get your life back on track.

We can assist if your insurance company has denied or underpaid your flood damage claim to ensure you get the best outcome as quickly as possible.

Do I have a flood damage insurance claim?

The impact of floods can be catastrophic and long-lasting. Thousands upon thousands of Australians have recently faced irreparable flood damage and have been displaced from their homes and possessions.

If your property or business has been devastated by floods or your business was interrupted, you may have a claim through your insurance to recover your losses. If you have already made a flood damage insurance claim that has been underpaid or rejected, we can help you fight for the pay-out you are entitled to.

Our flood damage insurance experts can offer you an obligation-free confidential consultation. Contact us today to arrange your initial consult so we can start the process of reclaiming your insurance entitlements as soon as possible. We’ll carry the burden and help you get back on your feet.

What can I claim for?

We understand that insurance policies can be difficult to navigate, especially in times of a crisis. It may not always be clear to understand whether you’re protected against flood damage and if so, what your policy covers.

Your Home and Contents Insurance or Business Property Insurance may include coverage for flood damage, however each policy can differ. Generally, this insurance will compensate for losses directly caused by flooding; however, the policies will often have different definitions of what constitutes a flood. Your business may also have Business Interruption Insurance for floods and other natural disasters.

Your policy may include cover for damage or losses to:

What is the flood damage insurance claims process?

Insurance companies are renowned for trying to delay, underpay or deny valid claims – that’s why having an expert in your corner can be critical.

Some reasons insurers may argue to underpay or reject your claim include:

  • Claiming that the damage wasn’t caused by the disaster
  • A condition of your policy wasn’t met
  • If a policy holder hasn’t disclosed certain information (for instance if the insurer finds out something later that would have prevented them from offering the insurance in the first place)
  • If your policy was cancelled
  • Allegation of fraud.

To help ease your stress during this devastating time, let our team of legal experts manage your claim so you can focus on the more important things.

Our expert flood insurance lawyers are here for you

Our team of insurance litigation experts have a genuine passion for helping everyday Australians who have faced catastrophic devastation caused by the ravaging floods.

With extensive industry experience, our team of dedicated lawyers are well versed in resolving rejected or underpaid insurance claims. We fight hard for our clients, doing everything in our power to deliver the best possible outcome where it counts.

We have helped hundreds of financially distressed Australians facing a rejected or underpaid insurance claim to access the compensation entitlements they deserve, when they need it most.     

Meet the Flood Insurance Experts

Common Questions

If you’re located in any of the following locations across Southeast Queensland, parts of Sydney, Wide Bay-Burnett or the Central Coast and parts of coastal New South Wales you may be eligible for a claim.


  • Brisbane
  • Caboolture
  • Gold Coast
  • Ipswich
  • Logan City
  • Maryborough
  • Toowoomba

New South Wales:

  • Grafton
  • Lismore
  • Murwillumbah
  • Sydney.

If you're not located in one of the areas listed, and your business has been interrupted due to flooding, get in touch today so we can investigate a claim on your behalf.

The team here at Shine Lawyers have a genuine passion for helping Australians in need. If you’re in a flood-affected area, let us take care of your claims so you can get you back on your feet as soon as possible.

Deciphering the specifics in your insurance policy can be confusing and frustrating. Take the guesswork out of an already challenging situation and let a legal expert review your policy.

From there, they can help you understand what you are and aren’t covered for and what the next best steps are to take.

Don’t feel pressured into accepting your insurer’s first position - with the support and knowledge of your Shine Lawyers insurance expert team we can challenge an underpaid or rejected flood damage insurance claim on your behalf. We’ll read the fine print of your policy and help you to collect the evidence needed, including rainfall data, images of the damage and more, to fight for your entitlements.

Depending on the conditions outlined in your business interruption insurance policy, you may be covered for flood damage. Checking the specifics of your policy is important, because you may be able to claim for any loss of profits.

If records of your business interruption insurance policy have been destroyed due to floods, you will need to provide a reasonable basis of calculation with supporting documentation such as:

  • monthly Profit and Loss Statements for the 12 months prior to the floods
  • payroll records for the 12 months prior to the floods
  • records of any increased costs of working since the floods.

When times are already tough, we understand how stressful it can be trying to decipher and understand your insurance policy. We can help relieve the pressure by managing your claim and guiding you through the process of what documentation to gather, so you can focus on getting your business back on track.

You may be able to claim business interruption insurance for floods for the following:

  • Revenue that has been lost
  • Employee wages
  • Rent, lease or mortgage payments
  • Relocation costs if your business must move (temporarily or permanently) due to flood damage.

Depending on your policy, there are some exclusions, and we recommend contacting our team of legal experts to help you understand what you are/aren't covered for in your policy.

Yes. Our legal team take the time to carefully explain your rights and your options so that you can regain some control through an exceptionally challenging time. We advocate on your behalf to maximise your pay-out. During this process we’re here to support you throughout the entire journey so you can focus on the more important things.

Yes, if your insurance policy covers flood damage, we may be able to make a claim for vehicle loss or damage as well. Contact us today for advice specific to you.

There are strict time limits for bringing a flood damage insurance claim. The limitation period is 6 years. We recommend getting legal advice as soon as possible to gather the evidence you will need to maximise your entitlements.

Entitlements will differ from policy to policy. To maximise what you receive, we recommend seeking advice specific to you.

Our flood damage insurance claim legal services are offered on a no win no fee basis*. This means that you only pay our legal fees if your case is successful.

Contact us for an obligation-free consultation where we will explain our no win no fee guarantee in more detail and provide advice specific to you.

*Conditions apply