Bushfire Insurance

Prior to bushfire season you should check and update your insurance policy. Some key points to ask your insurer:

Does my policy cover demolition and removal of rubble? Can be anywhere between $25,000 to $100,000. Add extra if Asbestos is present.

Does my policy cover accommodation should my house be lost? If your house is lost it can take between 3 and 5 years to have it rebuilt. You may also have to meet a higher standard BAL rating adding costs to your rebuild.

Am I covered for smoke damage? Your home may not be lost to the fire but have been engulfed with smoke for days, leading to smoke damage to soft furnishings, carpets, bedding, clothing etc. Some policies do not cover smoke damage.