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How to make a claim
What to do
Make sure everyone is safe.
Seek any medical, emotional or practical support you and your family may need. Check on your friends and neighbours if safe to do so.
Make sure your property is safe.
Wait for local authorities to confirm it’s safe to enter. Check whether your utilities are functional and safe to use. If you can’t live at home, we may be able to help cover the cost of temporary accommodation under your AAMI policy, if your policy includes that feature.
Assess the damage
Taking photos can help with the claims process, though you can still lodge without them. Supporting documents like receipts and valuation reports are also helpful but not always necessary.
Temporary accommodation
Only available where a Home Building claim has been covered following an insured event, and you cannot live in your home. Limits and conditions apply, check your policy documents for details.
You may be entitled to costs for up to 52 weeks of temporary accommodation (up to 10% of the building sum insured) while your home is unsafe to live in due to damage caused by an insured event. If you’re not sure whether this applies to you, check your policy documents or get in touch to discuss your options.
Turn off gas an water
This is both a safety measure and a way to ensure you’re paying minimal bills for a house you’re not living in.
Contact utility providers
They may need to know if your property will be unoccupied for a while.
Redirect your mail
You can do this via Australia Post, and it’ll ensure that you keep getting your mail at your temporary home.
If you wind up living away from home for a while.
The more info you can provide, the easier the process will be.
Claiming tips
We assess the damage
We’ll use the info you provide. If more detail is needed, we’ll let you know.
If urgent action is required, such as arranging temporary accommodation, we’ll advise on that ASAP.
We advise on next steps
If we accept your claim, we’ll assess it as quickly as possible then let you know what’s next.
Depending on your circumstances, this could mean we:
The amount we’ll pay for any of the above depends on whether your account has a set sum insured - in which case that’s the most we’ll pay - or you’ve chosen optional Complete Replacement Cover.
Not sure which of these applies to your policy? You can check that easily online, via the app, or by giving us a call.
Bureau of Meteorology (BOM)
Geoscience Australia
www.ga.gov.au/scientific-topics/hazards
SES NSW
SES VIC
SES QLD
SES WA
SES TAS
NT Police, Fire & Emergency Services
AAMI has proudly supported the Victorian State Emergency Services since 2002, contributing millions of dollars in equipment and tools to support their work.
The information is intended to be of a general nature only. We do not accept any legal responsibility for any loss incurred as a result of reliance upon it – please make your own enquiries.
Insurance is issued by AAI Limited ABN 48 005 297 807 AFSL 230859 trading as AAMI. Read the Product Disclosure Statement before buying this insurance. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.
Temporary accommodation
Only available where a Home Building claim has been covered following an insured event, and you cannot live in your home. Limits and conditions apply, check your policy documents for details.
Turn off gas an water
This is both a safety measure and a way to ensure you’re paying minimal bills for a house you’re not living in.
Contact utility providers
They may need to know if your property will be unoccupied for a while.
Redirect your mail
You can do this via Australia Post, and it’ll ensure that you keep getting your mail at your temporary home.
