Protect your home
A range of general maintenance tasks can be carried out to reduce the risk of potential damage from events like floods, cyclones or fires. These include:
- Testing smoke detectors, alarms and fire extinguishers
- Cutting back trees and shrubs
- Cleaning up leaves and twigs around the property
- Removing and storing flammable items (including wood piles) well away from your house
- Cleaning gutters and downpipes
- Checking you have hoses and that they are long enough to reach around your house
- Inspecting your roof for missing, loose or damaged tiles and leaks
- Checking the condition of external walls and cladding and sealing any gaps.
Lack of maintenance and work undertaken by non-qualified tradespeople may not only contribute to more damage to your home but can also result in a reduced claim payout or even rejection of your claim. It’s essential to understand that each claim on a home building insurance policy is assessed on a case-by-case basis, and a claim may be refused if you have failed to take reasonable care to protect and maintain your home and property.
Check your insurance
Make sure your home building insurance and any other insurances are up to date or whether you need to include any extra cover. It’s also important to read your policy documents and relevant Product Disclosure Statements so you are aware of exactly what you are covered for.
Are you covered?
Curious about how our rates compare to your existing Home Building Insurance policy? Try our online quoting tool today on the Defence Service Homes website.
To assist you, DSH Insurance has developed a Natural Disasters – Homeowners Information Pack, which includes a Household Evacuation kit, information on different types of natural disasters, and useful links for emergencies.