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STORMS AND floods

While damage to homes often receives media coverage in the event of a major flood, businesses are just as at risk when a weather event of this nature happens. So, it pays to understand how insurance responds in the event of a flood or storm.

After a number of catastrophic floods in Australia over the past decade, in particular in Queensland, many steps have been put in place to reduce this risk in flood-prone towns. For instance, Queensland’s Central Highland Regional Council now has a comprehensive flood management plan. This initiative means in towns where the flood risk is extremely high and the consequences of such an event are catastrophic, steps are being taken to ensure damage to the town and its businesses will be more limited than in the past should a serious flood occur.

“Serious floods aside, there’s a difference in the way insurers treat claims related to storm water and floodwater,” Michael White, Steadfast’s broker technical manager, says. As such, it’s important small businesses understand this difference should they experience either of these events. This differential is critical for all businesses to appreciate – not just those in flood-prone areas. ca

Please be aware that any advice offered is General Advice only and has been prepared without taking into consideration your objectives, financial situation or needs. Before deciding to acquire a financial product please consider the Product Disclosure Statement and whether the product is appropriate for your individual objectives, financial situation and needs.

Austwide IBS Pty Ltd T/as Austwide Insurance Brokers // ABN 65 237 964 223 is an Authorised Representative of Ausure Pty Ltd // ABN 94 096 971 854 AFSL 238433 // Licence No: 238433 www.austwideinsurancebrokers.com.au

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