If you can't live in your home due to an incident covered by your policy, you may be entitled to reasonable 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 on limits and exclusions, check your policy documents or get in touch with us to discuss.
We're here to help
Disaster Hub
If you’ve been or could be 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 and need to lodge a claim, the easiest way to do it is online or via the AAMI App.
You can still lodge a claim over the phone, but keep in mind that longer waiting times are common during periods following extreme weather.
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Online
Lodge your claim online. Log in to your AAMI account, select your policy and follow the prompts.
After you lodge your claim, you can use the AAMI Online Services to manage and track your claim and message your Claims Manager.
AAMI App
Lodge your claim through the AAMI App. Log in to select your policy and follow the prompts.
Track and manage your claim from your phone and use AAMI Messaging to answer any questions before and after lodging a claim.
If you haven’t used the app before, learn more about how to use the AAMI App to manage your insurance.
Webchat
You can contact our dedicated Claims Team via live chat.
8am – 9pm Monday – Friday AEDT
9am – 5pm Saturday – Sunday AEDT
If you have any other questions, visit our Contact page.
Be ready for weather events
If you need to prepare for or have been impacted by a weather event, find valuable tips on our dedicated weather event pages, including handy checklists and emergency services contact details.
Claim preparation
Simplify your claim process in three steps
When you’re preparing for a claim, providing as much info as possible can make claiming easier.
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Check your policy
Knowing what your policy covers can help you better understand what you can claim for.
Take photos
Photos of your damaged property and belongings can help us assess your claim. But you can still lodge a claim without them.
Gather supporting documents
If you can safely access them, things such as receipts and valuation reports can also help.
When you’re ready to start a claim, it’s helpful to have your policy number on hand. Unsure where to find it? Let us help.
Customer support
Ways we can help
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 while your home is being repaired or rebuilt so it can be lived in again. Limits, conditions and exclusions apply. Check your policy documents including the PDS for details.
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, and we will be unable to guarantee the quality of the work.
To learn more, refer to the PDS.
If we accept your claim, we can cover the reasonable and necessary costs of demolishing and removing damaged parts of your home covered by your policy. We can also cover removal of debris including fallen trees or branches if they’ve damaged your home (and the damage is covered by your policy), and removal is required to do the repairs.
You can find more info about this cover including the limits, conditions and exclusions that apply in the PDS or talk to our dedicated claims team if you have questions.
Mould can be a significant issue after a major weather event like a cyclone or flood, especially if nothing’s done to try and prevent it spreading. Learn more about some practical steps to minimise the growth of mould.
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Temporary accommodation
If you can't live in your home due to an incident covered by your policy, you may be entitled to reasonable 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 on limits and exclusions, check your policy documents or get in touch with us to discuss.