When severe weather hits Australia, hazardous conditions such as hail, storms, flash floods, thunder and lightning can happen. Protect yourself with this severe weather preparation checklist and help safeguard your family.
For anyone in the bush, the preparations for combating a bushfire are a huge undertaking. It’s vital that you plan in advance if you’ll leave early or decide to stay. That way you can avoid making potentially lethal last minute decisions - it’s much harder to make decisions with a clear head when a bushfire is heading towards your home.
Your plan needs to cover if you’ll leave for a safer place (perhaps relocate with family or friends) or if you’ll stay to actively defend your home. If you plan to stay, you’ll need to be well prepared.
It might be a chore, but taking the time to keep your lawn mown can make all the difference. Make sure you also remove any cuttings as these can pose a fire risk as well.
Cleaning up your garden can make a huge difference in the case of a bushfire. Clear out any material that could cause a fire hazard – from wood piles, leaves and mulch through to door mats and even unused outdoor furniture.
You should also remove dried undergrowth and grass from around and underneath your home, as this is one of the easiest ways for fire to spread.
Leaves and twigs that have built up in your gutters put you at greater risk from flying embers. Make sure you keep your gutters cleaned out.
Take a good look at the trees around your home and on your property. Trim any overhanging branches that could make it easy for fire to spread to your home. You should also trim low hanging branches two metres from the ground that are close to your home.
If you have gas cylinders on the side of your house, position them on the side of your house with the least trees and objects, and make sure that the pressure relief valves face outwards – this means the flame won’t be directed towards your house.
If you have any flammable fuels or chemicals on your property, store them in an enclosed shed. Ideally they should be 20 metres away from your home, however if this isn’t possible, use pathways and gravel areas as fuel breaks. You’ll also need to make sure that any trees or shrubs are adequately spaced to avoid a continuous flow of flammable vegetation to your home.
Have at least one sturdy hose on your property that’s long enough to reach your house and if you have a pool – or a tank or dam – put a Static Water Supply (SWS) sign at the entrance to your property.
Make sure your home and contents insurance is up-to-date and in particular that the sum-insured amount is enough. It’s also a good idea to make sure you have your insurer’s details handy and know how to contact them should you need to in a hurry.
No liability whatsoever is accepted regarding the forgoing comments and they should not be relied on as being determinative of the steps to be taken. The protection of your home from bushfires will depend on its individual circumstances and may require further measures. You may consider it prudent to seek specialist advice from your local authority and fire service.
Cover is subject to your application for insurance being accepted.
Product Disclosure Statements (PDS)
For the standard terms, conditions and exclusions about our Home & Landlord Insurance, please refer to the relevant Product Disclosure Statement (PDS) and any supplementary PDS (if applicable), and the . To see some of the events covered and not covered, please refer to our Key Fact Sheets (KFS).
Home and Contents Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Bank of Melbourne - a Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 (the Bank) arranges the insurance under a distribution agreement with Allianz Insurance, but does not guarantee the insurance. This information does not take into account your personal circumstances. Before making a decision, please consider the relevant Product Disclosure Statement. For more information call 13 22 66.
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