Cyclone Alfred: Preparation & Claims Guide

With Cyclone Alfred fast approaching, this is a timely reminder of how to prepare your business and stay safe during a cyclone or any other extreme weather event. Whether you're dealing with a cyclone, storm, or flooding, the steps you take before, during, and after the event can make all the difference. This guide will help you protect your business, your assets, and ensure you're prepared to manage any insurance claims.

Before the Cyclone: Preparation and Risk Reduction

When it comes to preparing for extreme weather, taking proactive measures is essential. Below are some steps you can take to protect your business, employees, and property:

Stay Informed

Monitor weather updates from the Bureau of Meteorology and local emergency services, such as the SES.
Follow emergency warnings and act promptly if evacuation orders are issued.

Secure Your Property

Tie down or bring inside loose outdoor items like signage, furniture, or equipment.
Secure windows and doors; clear gutters and drains to prevent water accumulation.

Safeguard Critical Documents

Keep physical copies of your insurance policy accessible in case of internet outages.
Your insurance broker will also have a copy if needed.

Back Up Important Data

Ensure vital business and financial records are backed up and stored securely.

Power & Equipment

Unplug electrical equipment to protect against power surges.
Test emergency generators and ensure they are fuelled (never use them indoors).
Fully charge phones and communication devices; fuel up your vehicle in case of evacuation.

Inventory Your Assets

Take photos or videos of your property, including floors, ceilings, and structural elements.
Record serial numbers for electronic items.
If time is limited, do a video walkthrough capturing all rooms and storage areas.

Demonstrate Your Preparation Efforts

Document cyclone preparations, such as: Securing or storing outdoor furniture and loose items as well as keeping vehicles in a safe location.

During the Cyclone (if it is safe to do so)

Seek shelter in a secure part of the building, away from windows and exterior walls.
Avoid corners, which can be vulnerable to structural damage.
If possible, take photos or videos of the cyclone's impact, especially evidence of water entry points (e.g., through the roof rather than rising floodwater) to support your claim.

After the Cyclone: Ensuring the Best Claims Outcome

Priotise Safety

Avoid entering flooded or structurally unsafe areas.
Check on employees, family, and neighbours.

Document the Damage

Take clear photos and videos of damaged property, equipment, and stock.
If replacing damaged items, keep receipts as proof for your claim.

Prevent Further Loss

Cover broken windows or doors and move valuables to a safer location if safe to do so.
Keep samples of damaged materials (e.g., carpet) for assessment.
Make a list of discarded damaged items, including brand, model, and serial numbers.

Lodging an Insurance Claim with Coverforce

Notify us as soon as possible:

Complete our online claims form here or contact your broker directly.
Call us at 1300 503 503
Send us your details via email at claims@coverforce.com.au .

Supporting Documents:

Take clear pictures or videos of the damage to your property, equipment, and stock.
Make a list of any damaged or discarded items
Proof of prior maintenance (e.g., gutter repairs, electrical work).

After-hours assistance:

If you need urgent support outside business hours, simply contact us on 1300 503 503 and you will be redirected to our 24-hour claims assistance provider who can help with make-safe actions. Coverforce will be informed of any action taken and we will manage your claim through to settlement.

How Coverforce can help

At Coverforce, we are committed to providing you with the support and information you need to navigate the challenges of severe weather. If you need assistance or have questions regarding your insurance coverage or claims, don't hesitate to reach out to us on 1300 503 503 or email claims@coverforce.com.au. If you are ready to make a claim you can do so online here. with our expert brokers today to review your policy and safeguard your business against unexpected risks.

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