As storm season approaches, it’s time to ensure that you, your loved ones, and your assets are well-prepared.
In Australia, the storm season often brings unpredictable weather, with heavy rains, strong winds, and flash flooding impacting many regions.
With such conditions, safeguarding your home, business, and vehicles is essential—and insurance can be one of your strongest defenses.
Steel Pacific is here to help you navigate the season ahead with comprehensive, reliable coverage.
Why Prepare for Storm Season?
Storms can cause extensive property damage, which, if uninsured or underinsured, can lead to significant financial strain. Whether it’s a fallen tree on your home, floodwaters damaging your business premises, or hail impacting your vehicles, having adequate insurance coverage provides peace of mind and financial security.
Key Areas to Check for Coverage
Here are some insurance areas to review to ensure you’re covered:
- Home and Contents Insurance: Standard home insurance covers many storm-related risks, but it’s wise to double-check your coverage for flood, wind, and storm damage, as these can vary between policies. Ensure your policy covers the repair or replacement of critical assets, including roofs, fences, and electronics, and don’t overlook contents insurance for your valuables.
- Business and Commercial Insurance: Storm damage can cause major interruptions to your business. Commercial insurance policies may cover physical damage to your premises and contents, loss of income due to business interruption, and equipment breakdown. Ensure your policy includes these crucial protections, so your business can recover quickly if disaster strikes.
- Motor Insurance: During storm season, cars are often exposed to hazards like hail, flooding, and falling debris. Review your motor insurance policy for comprehensive coverage that includes natural disaster-related damages. A policy that covers rental vehicle costs during repair times can also be highly beneficial.
- Rural Insurance: For rural properties and farms, damage from storms can disrupt critical operations. Rural insurance can cover livestock, crops, outbuildings, and equipment. If you rely on agricultural assets, it’s vital to confirm your rural insurance covers storm-related risks.
Storm-Proofing Tips for Added Protection
While insurance can help with recovery, proactive measures can reduce damage risks. Consider these steps:
- Clear gutters and drains to prevent blockages and water overflow.
- Secure outdoor furniture and other loose items to avoid wind-borne hazards.
- Trim trees and branches around your home or business that could fall.
- Protect windows with shutters or reinforced glass if possible.
These actions don’t just protect your property; they can also potentially lower claims and premiums.
How Steel Pacific Can Help
Storm season can be daunting, but Steel Pacific is dedicated to ensuring you’re equipped with the right coverage. Our experienced brokers understand the unique needs of Australian property owners and businesses and offer tailored policies.
We’re here to help you assess your coverage needs and make adjustments if necessary, so you’re prepared for anything.
At Steel Pacific, we’re committed to providing peace of mind during storm season and beyond.
Contact us today to review your policy or discuss comprehensive options to keep you protected through the year.
Call us on 1800 072 114 or visit our website at www.steelpacific.com.au