Insurance coverage and claims

Contact your insurance provider to check your level of cover, exclusions and the assessment process.


Guide to making an insurance claim

Follow this step-by-step guide to the insurance claim process, available from the NSW Small Business Commissioner.

Insurance Council of Australia

When the Insurance Council makes a catastrophe declaration, additional resources are made available to speed up insurance claims processing. This is a separate process from a disaster declaration made by the government. These declarations have no effect on your insurance, your excess or what is covered by your insurance policy.

To find what to do during and after a disaster, go to the Insurance Council of Australia.

Disaster Response Legal Service

If you need legal advice after a natural disaster, you may be eligible for free services to help you with:

  • insurance claims and disputes
  • employment
  • financial hardship such as loans, mortgages and credit cards
  • unpaid fines
  • housing and rental
  • coronial inquests
  • Centrelink payments.

For free legal help you can:

Legal assistance services

For legal support and other free legal assistance services in your area:

If you have been affected by a natural disaster, legal advice and services are available from:

Related information

Last updated: 1 May 2024