Flood rebuilds hampered by ‘like-for-like’ insurance clause

Paul Bibby

Attempts by flood-affected homeowners to retrofit their homes with flood-resilient materials are being cruelled by insurance companies and builders, a local resident says.

And some are getting so fed up with the process that they are electing to sell up and move on.

Mullumbimby resident, Susan Fell, was among many locals whose home went under during last year’s Feburary/March floods.

Since then, she has been engaged in an ongoing battle to have the internal walls and fittings in her home replaced with others made from materials that can withstand flooding.

‘I’ve said from the start that I want to employ the industry standard for using resilient materials in the rebuild,’ Ms Fell said.

‘But, like most insurance companies, mine has a had a ‘like-for-like’ clause in its policies for flood damage.

‘That basically means it will only replace the old plaster and chipboard with more plaster and chipboard. The next time there’s a flood, the same thing will happen, and I’ll be out of my home for a year waiting for it all to be repaired.’

Resilient materials refused by builder

Ms Fell said she had finally convinced the insurance company to come to the table on the issue, only for the contracted builder to refuse to do the work.

‘I received a letter that basically said the builder was refusing to use resilient materials because, in his opinion, I wanted to make ‘too many alterations to the insurance policy’.

‘It seems very unfair. The builders are getting plenty of money out of this, and they can just say “No” to someone like me and move on and fix the houses of other people who have agreed to replace like with like.’

Ms Fell said that these and other problems were being experienced by many in the