There are three types of floods that typically occur in Queensland – flash, quick onset (mountain or coastal river) and slow onset flooding (inland rivers). 


Know whether your're in a flood risk area 

Are you in a flood prone area? Contact your local Council to view the flood mapping for your area.  

Preparing your home and belongings for a flood

  • When planning for disasters like floods, you should move your vehicles, outdoor equipment, and chemicals or poisons to high ground.
  • Sandbag your property, and indoor drains to prevent back-flow.
  • Place a plastic sandbag in the toilet bowl to avoid sewage back-flow.
  • Move valuables inside your home to a safer height.
  • Turn off your mains supply – water, gas and electricity.
  • If evacuating lock your doors/windows, and take any pets, and ID documents like birth certificates and passports with you.

Contact the SES on 132 500 if you require assistance.

Visit the Queensland Government’s GetReady website for more information on getting ready for floods.

Tune in to updates (radio/TV)

Listen to your local radio station and watch TV for flood updates. This information will help you work out if the flood has passed or if you need to evacuate.

You should always avoid driving, walking, swimming or riding through floodwater, as it can be dangerous due to bacteria and disease.

Get disaster alerts affecting Queensland.

What to do after a flood

If your street or home has been flooded, do not return home until flood waters have receded and it’s safe to do so. You should also try to:

  • not turn on any appliances that have been wet
  • keep the receipts for any essentials you need to buy (e.g. clothes, bedding or food)
  • take photos of any items which could become a health and safety hazard, and throw them out
  • keep your home well ventilated to help it dry, but do not leave your home open when unattended.

Making a claim from a flood

Floods can cause a lot of damage very quickly, and rebuilding your home after a flood has hit can be hard. Call us on 13 7202 if you want to make a claim, and we’ll help you as much as we can from there.

Your insurance questions answered

Insurance is about protecting yourself from the unexpected. When you have belongings and property that are of value, you want to know that you are covered if they were damaged or lost. In Queensland, we are all too familiar with unpredictable weather and the impacts of cyclones, floods, storms and bushfires. But insurance also protects you against things like theft, damage and legal liability.

When you pay your insurance premium, it goes into a pool of money with everyone else’s premium. When people claim on their policy, that money comes out of the pool. In the event of a catastrophe e.g. large scale flooding or a cyclone, this pool of money goes to helping a lot of people recover. 

The Emergency Services Levy (ESL) is an emergency services insurance contribution scheme that funds the fire and rescue emergency services in New South Wales (NSW). Insurance companies are required to contribute to the budget for these services in NSW each financial year. Insurers may reclaim this amount from their policyholders by charging an ESL in their insurance policy premium.

The Emergency Services Levy Insurance Monitor (ESL Monitor) published an Order requiring insurance companies, and those acting on their behalf, to provide a breakdown of the ESL component of the premium, as well as year on year premium comparisons. These disclosure requirements are being enforced by the ESL Insurance Monitor.

Will this increase insurance premiums?

There is no direct change to policy premiums because of the ESL. However, you may see an impact in the ESL contribution compared to last year.

Affected insurance products

These are the different policy types that are impacted by these changes:

  • Boat
  • Caravan
  • Household
  • Motor Vehicle
  • Body Corporate
  • Unique vehicle
  • Enthusiast Car & Motorcycle

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Insurance companies need insurance as well - this is reinsurance. In the event of a major catastrophe, sometimes the amount of money we pay to help customers recover from loss or damage takes a large portion out of our reserves. By insuring a percentage of those reserves, we make sure that we can recover some of the money we pay out to customers. That way we can continue to offer you a competitive premium. 

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