NQ residents benefit two-fold from cyclone-proofing homes

7 February 2018 North Queensland residents who took steps to proactively cyclone-proof their homes had saved more than $340,000 in home insurance costs in the last two years.

RACQ spokesperson Kirsty Clinton said RACQ introduced home insurance premium discounts for North Queensland residents in 2016 who performed structure upgrades and other cyclone resilience measures, and approximately 700 members had so far reaped the rewards.

“The affordability of insurance has been a major community concern and we’re pleased we’ve been able to help make premiums more affordable for people in the region,” Ms Clinton said.

“North Queensland residents need to be recognised for strengthening their homes against cyclones.

“Since introducing this discount, members who took action to reduce their cyclone risk have saved on average $421 – or 15 percent – off their annual building and contents insurance bill.

“One resident even managed to shave more than $1,500 off their premium.”

Discounts of five to 20 percent could be achieved where cyclone resilience works had been performed on the home including:

  • Opening protection – such as roller door bracing and window shutters
  • Roof strapping – including tying down roof battens to trusses and rafters, timber roof battens to rafters and roof trusses to wall frames
  • Over-batten systems – steel plates fitted over the roofing material and held down to the foundations, outside the main walls, by tie rods and turnbuckles
  • Complete roof replacement – old roof replaced with new roof
  • Complete retrofit to current building code – where major structural changes to a home built before 1985 are completed resulting in the home now meeting the most recent building code.