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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 (AAI) trading as AAMI. Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Please read the relevant Product Disclosure Statement before you make any decision regarding this product. The Target Market Determination is also available.
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.
LEGAL INFORMATION
COOKIE AND DATA POLICY
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AAI LIMITED TRADING AS AAMI
AAMI Home Building and Home Contents Insurance, Landlord Insurance, Strata Insurance, Car Insurance, Motorcycle Insurance, NSW and SA CTP Insurance, ACT MAI Insurance, Caravan Insurance, Business Insurance and Travel Insurance are issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) trading as AAMI. Registered Office, Level 23, 80 Ann Street, Brisbane QLD 4000.
Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available at www.aami.com.au and consider whether it's appropriate for you before making any decisions about whether to buy or continue to hold a product. The Target Market Determination is also available.
AAMI PET INSURANCE
Petinsurance.com.au is issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436 (Hollard), is arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and is promoted and distributed PetSure’s Authorised Representatives (AR) Pet Insurance Pty Ltd ABN 38 607 160 930, AR 1234944 (PIPL) and Platform Ventures Pty Ltd ABN 35 626 745 177, AR 001266101 (Ventures) (under the AAMI brand). Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement to ensure this product meets your needs before purchasing. Product Disclosure Statement and Target Market Determination available at www.aami.com.au/policy-documents. PIPL and PIPL’s authorised distribution partners (including Ventures will receive a commission which is a percentage of the premium paid to Hollard and PetSure may receive a portion of the underwriting profit, if any – ask PetSure for more details.
AAMI HEALTH INSURANCE
AAMI Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is marketed by Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. PC is an authorised agent of nib and receives commission from nib.
AAMI LIFE INSURANCE
AAMI Life Insurance products, other than in some circumstances the Redundancy Benefit, are provided by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life) which is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). TAL companies are not part of the Suncorp Group. TAL companies use the AAMI brand under licence from the Suncorp Group. Redundancy Benefit issued on or before 31st March 2020 was offered by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) trading as AAMI which is part of the Suncorp Group. New Redundancy Benefit policies and renewals offered from 1st April 2020 are issued by TAL Life. The different entities of TAL and the Suncorp Group of companies are not responsible for, or liable in respect of, products and services provided by the other.
Any advice on this page in connection with the Life products is general in nature and is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS Representative Number 001266101 (PV). PV is part of the Suncorp Group and an authorised representative of TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260 (TAL Direct). General advice does not take into account your individual needs, objectives or financial situation. Before you decide to buy or to continue to hold a Life Products you must read the relevant Product Disclosure Statement. The Target Market Determination is also available.
TAL Life supports and adheres to the Life Insurance Code of Practice (Code). The Code has been developed voluntarily by the Life Insurance industry through the Financial Services Council to promote high standards of service to consumers, provide a benchmark of consistency within the industry, and establish a framework for professional behaviour and responsibilities.
