Got a question? AAMI has you covered.
What type of flood damage am I covered for?
If you're making a claim, it's important to understand the difference between flooding caused by extreme weather events, such as hurricanes or cyclones, and water damage by escaped liquid, such as burst pipes.
Flooding caused by extreme weather
Flooding by extreme weather is defined as the covering of normally dry land by water that has escaped or been released from the normal confines of any lake, river, creek or other natural watercourse, whether altered or modified; or any reservoir, canal or dam.
- It doesn't mean
- Heavy downpours of rain (unless they cause a 'flood')
- Sea or ocean movements (such as storm surges, high tides or wave action)
- Tsunamis (which may be covered as 'earthquakes')
Water damage caused by escape of liquid
Water damage caused by liquid leaking, overflowing or bursting from your swimming pool, home appliances or plumbing, is defined as 'escape of liquid'.
Luckily, AAMI's building and contents policies cover an insured property and contents for loss or damage caused by escape of liquid, to the level stated on your Certificate of Insurance.
AAMI won't cover an escape of liquid claim if the event has occurred due to wear and tear over time. You are reasonably expected to be aware of general maintenance required, and to make repairs accordingly.
More detailed information is available in your Product Disclosure Statement.