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.
What to do when
Preparing to claim
The more info you can provide, the easier the process will be.
Claiming tips
What to expect
After you’ve lodged
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:
- arrange repairs
- arrange to fully rebuild your home
- replace your damaged contents, or
- offer a cash settlement.
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.