Storm Damage Recovery Guide
Comprehensive Storm, Cyclone & Severe Weather Damage Information
Types of Storm Events in Australia
Cyclone/Hurricane
Category 1-5 tropical cyclones with extreme winds
Risk Profile
November to April (Australia)
Common Storm Damage Categories
Roof Damage
Most common storm damage
Common Types:
- Missing or lifted tiles/shingles
- Punctures from debris
- Compromised flashing
- Gutter damage
- Structural deformation
Window & Door Damage
Breach points for water
Common Types:
- Shattered glass
- Frame distortion
- Seal failure
- Security compromise
- Debris impact damage
Tree & Debris Impact
Secondary impact damage
Common Types:
- Fallen trees on structures
- Branch penetration
- Vehicle damage
- Fence destruction
- Power line damage
Water Ingress
Follows structural damage
Common Types:
- Ceiling water damage
- Wall saturation
- Floor flooding
- Insulation saturation
- Electrical system damage
Emergency Response Timeline
During Storm
- Stay indoors away from windows
- Move to strongest part of building
- Monitor emergency broadcasts
- Avoid using electrical appliances
- Have emergency kit ready
Immediately After
- Check for injuries first
- Assess structural safety
- Turn off utilities if damaged
- Document all damage
- Contact emergency services if needed
Within 24 Hours
- Contact insurance company
- Temporary repairs (tarps, boards)
- Remove water if safe
- Secure property
- Begin inventory of damage
Within 48-72 Hours
- Professional assessment
- Contractor quotes
- Detailed documentation
- Salvage operations
- Mould prevention measures
Storm Damage Restoration Process
Safety & Stabilization
0-48 hoursWater Mitigation
24-72 hoursDebris Cleanup
2-7 daysDamage Assessment
3-7 daysReconstruction
2-12 weeksStorm Insurance Considerations
Disclaimer: Insurance coverage varies by policy and provider. Always consult your specific policy documents and insurance provider for accurate information.
Storm vs Flood
Critical DistinctionStorm damage (wind/rain) typically covered, flood damage often excluded
Action: Verify flood coverage separately
Maintenance Exclusions
Common Denial ReasonPre-existing damage or poor maintenance can void claims
Action: Document regular maintenance
Temporary Repairs
Covered CostEmergency repairs to prevent further damage usually reimbursed
Action: Keep all receipts
Additional Living Expenses
Often IncludedAccommodation costs if home uninhabitable
Action: Check policy limits and duration
Debris Removal
May Have LimitsUsually percentage of dwelling sum insured
Action: May need additional coverage
Named Storm Excess
Higher DeductibleCyclones may trigger special excess amounts
Action: Know your policy terms
Regional Storm Considerations
North Queensland
Peak Season: Nov-Apr
Cyclone shutters, elevated construction, emergency kits
Southeast QLD/Northern NSW
Peak Season: Oct-Mar
Hail protection, drainage systems, tree management
Southern States
Peak Season: May-Oct
Roof maintenance, gutter clearing, heating backup
Western Australia
Peak Season: Variable
Regional specific measures, water management
Property-Specific Storm Considerations
Residential Properties
- • Roof and gutter maintenance critical
- • Tree trimming near structures
- • Secure outdoor furniture and items
- • Window protection systems
- • Emergency kit and evacuation plan
Commercial Properties
- • Business continuity planning
- • Data backup and protection
- • Inventory storm preparation
- • Staff safety procedures
- • Customer communication plan
Industrial Properties
- • Equipment protection protocols
- • Hazardous material securing
- • Large roof area vulnerability
- • Supply chain contingencies
- • Environmental compliance
Storm Damage FAQs
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