Tag: personal insurance

Preparing for Storm Season in Queensland and Northern NSW

As the warm breezes of summer approach, residents of Queensland and northern New South Wales must also prepare for the annual storm season. At Dudgeon Berry Insurance Group, we understand the importance of being storm-ready. This comprehensive guide will help you protect your home, family, and belongings from the unpredictable forces of nature.

Understanding Storm Season in Queensland and Northern NSW

Australia is no stranger to wild weather, with storms topping the list of our most frequent major natural hazards. According to the Bureau of Meteorology (BOM), between 2010 and 2020, over 5,000 severe storms were recorded across the country – an average of 500 storms annually. While the peak thunderstorm period is typically from October to March, severe storms can occur at any time of the year.

In Queensland and northern NSW, the storm season brings a unique set of challenges. From heavy rainfall and damaging winds to hail and lightning strikes, these regions face a variety of weather-related risks. Flash flooding is also a significant concern, particularly in low-lying areas and near water bodies.

10 Essential Steps for Storm Season Preparation

1. Maintain Your Property

Regular maintenance is key to minimising storm damage. Here are some crucial tasks:

• Clean gutters, downpipes, and drains: Ensure these are free from leaves and debris to prevent water overflow and potential structural damage.
• Trim overhanging tree branches: Healthy, well-maintained trees are less likely to lose branches or become uprooted during storms.
• Secure loose items: Store or tie down outdoor furniture, trampolines, and other items that could become projectiles in high winds.
• Check your roof: Inspect for and repair any loose or damaged tiles or sheets.

2. Prepare an Emergency Storm Kit

Having a well-stocked emergency kit can make a significant difference if you find yourself without power or water for several days. Your kit should include:

• Medications and first-aid supplies
• Torch and portable radio with spare batteries
• Non-perishable food and drinking water for at least three days
• Warm clothing and blankets
• Important documents in waterproof containers
• Cash for emergencies

3. Know Your Flood Risk

Understanding your property’s flood risk is essential, especially in low-lying areas:

• Use online flood tools: Access your local council’s online flood awareness maps and property reports to assess your flood risk. For example, Brisbane City Council provides a Flood Awareness Map and FloodWiseProperty Report.
• Prepare sandbags: If you’re in a flood-prone area, know where to collect sandbags. Many local councils provide sandbag depots during severe weather events.

4. Stay Informed

Keeping up-to-date with weather information is crucial during storm season. Here are some ways to stay informed:

• Monitor local weather updates regularly through the BOM website or by calling 1300 754 389 for automated weather warnings.
• Follow your local State Emergency Service (SES) on social media for real-time updates and advice. Council and your local radio station(s) can also be a good source of information.  Handy Resources: NSW SES Website and Qld SES Website
• Know your local emergency evacuation routes and meeting points
• Save the SES emergency number in your phone
• Familiarise yourself with local evacuation centres and emergency services locations

5. Protect Your Home

Taking steps to  protect your home can significantly reduce the risk of storm damage. As a storm approaches:

• Close all windows, doors, and shutters
• Disconnect electrical appliances and turn off power at the circuit board
• Bring pets inside and secure livestock in safe areas
• Park vehicles under cover or away from trees

You should also consider the following recommendations:

• Install surge protectors: Use appropriately recommended surge protection outlets throughout your house to protect against lightning strikes.
• A lightning protection system: If your home is in an exposed location, installing a lightning protection system and an emergency backup power source can provide additional safety.
• Maintain your roof: Regularly inspect and maintain your roof’s tile or sheet cladding to prevent parts from lifting off during strong winds that may result in leaks into your home or business.
• Secure windows and skylights: Fit windows and skylights with security mesh or durable insect screens.

6. Insurance Check

Ensure your home and contents insurance is up to date and provides adequate coverage for storm-related damage. At Dudgeon Berry Insurance Group, we can help you review your policy to ensure you’re fully protected.

7. Create a Family Emergency Plan

Develop and practise a household emergency plan so that everyone knows what to do in case of a severe storm.  Your storm emergency plan should include:

• Emergency contact numbers
• A designated safe room in your house (typically the most interior room on the ground floor)
• A plan for communicating if family members are separated
• Evacuation routes
• Establish a safe meeting point in case household members are separated

8. Be Prepared for Power Outages

• Keep mobile phones fully charged
• Have a supply of batteries, power banks, and battery-operated devices
• Consider investing in a portable generator for essential appliances

9. Prepare your business

If you own a business, it’s essential to have a plan in place to protect your assets and ensure continuity:

• Develop a business continuity plan –  This should outline how your business will continue to operate during and after a severe weather event.
• Back up important data –  Regularly back-up critical business data and store it in a safe, off-site location.
• Review your insurance – Ensure your business insurance is up-to-date and provides adequate coverage for storm-related damage.

10. After the Storm

Once the storm has passed, here’s our recommendations on what to do next:

• Check on family, friends, and neighbours, especially those who are elderly or vulnerable
• Be cautious of fallen power lines, damaged trees, and flood waters
• Document any damage for insurance purposes before beginning clean-up
• Contact your insurance broker as soon as possible if you need to make a claim

At Dudgeon Berry Insurance Group, we’re committed to helping our community stay safe and protected during storm season. By following these guidelines and staying prepared, you can significantly reduce the risk of storm-related damage and ensure the safety of your loved ones.

Remember, preparation is key. Take the time now to implement these measures, and you’ll be ready to weather whatever storms may come your way. For personalised advice on storm protection and insurance coverage, don’t hesitate to reach out to our team at Dudgeon Berry Insurance Group. Stay safe this storm season!