If you can't live in your home after an incident covered by your policy, you may be entitled to reasonable and necessary temporary accommodation costs until your home is repaired or rebuilt. If you’re not sure whether this applies to you, or you want more information about the limits and exclusions that apply, check your policy documents or get in touch with us to discuss.
We're here to help
Emergency Response
If you’ve been affected by a severe weather event, we’re here to support you.
How to make a claim after severe weather
If you've been impacted by severe weather, we recommend lodging your claim online or via the AAMI app as soon as you can. If you haven’t claimed online or used the app before, consider reading our simple guide to AAMI online services.
You can still make a claim over the phone, but please keep in mind contact centre delays are common during periods following extreme weather.
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Online
Log into your AAMI account to see claims updates, message your Claims Manager, and upload documents and photos. If you don’t have an account yet, registering only takes a moment.
AAMI App
Track your claims as it progresses and easily upload photos and supporting documents.
Please note not all products can be claimed via the App.
Webchat
Please contact our dedicated Claims Team via Live Chat Monday to Friday 8am to 9pm and weekends 9am to 5pm AEST if you need emergency support.
For all other enquiries visit our Contact page.
Claim preparation
Ways you can simplify your claim
When you’re preparing for a claim, providing as much info as possible can make claiming easier.
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Take photos
Photos of the damaged area can help us assess your claim - but you can still lodge without them.
Gather supporting documents
If you can safely access them, things like receipts and valuation reports can also help.
Check your coverage
Knowing what your policy covers can help you better understand what you can claim for.
Customer support
Ways we can help
There are a variety of services AAMI and the community can provide to help you recover after severe weather.
Frequently Asked Questions
First, make sure everyone is safe and out of danger. Then make a claim.
If you have an AAMI Home Insurance policy and can’t live in your home due to an incident covered by your policy, you may be entitled to cover for the reasonable and necessary temporary accommodation costs for the time it takes to repair or rebuild your home so it can be lived in again. Limits, conditions and exclusions apply, check your policy documents for details including limits.
When lodging a claim, just provide us with an estimated cost of how much food spoiled. Claims that only involve food spoilage are excess free. You can find out your policy limit for a food spoilage claim in your PDS.
A scope of work is a detailed summary of the work that will be undertaken to repair or rebuild your home. This includes the repairs that will be made in each room and the materials used. The scope of work will be updated as needed.
Your assessor, builder or Claims Manager will explain your scope of work and provide you with a copy for your consideration. Remember, your repairs or rebuild cannot commence until you have signed your scope of work.
No, however we guarantee the quality of the workmanship for all authorised repairs if we have selected and directly authorised a supplier.
Alternatively, if you do not accept our offer for us to repair the damage, you will be paid the amount of our builder’s assessed quote.
To learn more, refer to the PDS.
If we accept your claim, we’ll cover the reasonable and necessary costs of demolishing and removing damaged parts of your home. This includes fallen trees or branches if they’ve damaged your home (and the damage is covered by your policy) and removal is required in order to do the repairs.
You can find more info about this coverage including limits, conditions and exclusions in the PDS or talk to our dedicated claims team if you have questions.
Available support
Community support services
Emergency response services
For more up-to-date information in your area, consider checking your local emergency service’s Twitter or Facebook account.
Temporary accommodation
If you can't live in your home after an incident covered by your policy, you may be entitled to reasonable and necessary temporary accommodation costs until your home is repaired or rebuilt. If you’re not sure whether this applies to you, or you want more information about the limits and exclusions that apply, check your policy documents or get in touch with us to discuss.
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.