Storms are the most prevalent natural hazard in Australia and can happen at any time of the year. Storms vary in intensity and can pass through with minimal impact or pose a substantial threat to the community. Although it is impossible to prevent the dangers associated with storms, you can take steps to prepare and minimise potential damage.

Most of the damage is caused by falling trees and branches, overflowing from blocked gutters or drains, poorly maintained roofs and airborne objects. Since storms can occur unexpectedly and at any time, it is advisable to consistently prepare and maintain your property throughout the year.

When do storms happen?

Storms happen throughout the year, but the prime time for storms in Australia is during the warmer months from September to March. They are most common in eastern and northern Australia, where there is just the right mixture of heat and humidity to fuel these storms.

How to prepare for a storm?

To prepare your business or home for a storm follow these steps:

General preparedness:

  • Stay informed: Regularly check weather forecasts and warnings from reliable sources.
  • Maintain your property:
    • If in a tenanted property, report any issues to your landlord.
    • Inspect and maintain windows, doors, and roofs.
    • Regularly clean gutters and drains.
    • Trim overhanging branches and trees.
    • Secure or bring indoors any loose outdoor items.
  • Create an emergency plan: Develop a comprehensive plan for evacuation, communication, and safeguarding important assets ensuring all staff are trained/aware of the plan.
  • Review insurance coverage: Consult your broker to ensure your policies provide adequate coverage for storm-related damages.

Pending event:

  • Stay updated: Monitor weather updates and warnings closely.
  • Secure your premises: Secure windows and doors with weather shutters or other protective coverings.
  • Protect important assets: Back up data and move valuable equipment to safe areas.
  • Communicate: Inform employees about the emergency plan and their roles.
  • Test backup systems: Ensure generators or uninterruptible power supplies are in working order.

Post-event:

  • Ensure the safety of you and your staff: Check for hazards before going outside.
  • Follow the directions of local authorities: Take instructions from emergency services or local government agencies.
  • Secure your property: Take immediate steps to prevent further damage.
  • Check utilities: Verify the status of water, gas, and electricity. Contact utility companies if needed.
  • Clear debris: Safely remove any fallen branches or debris or contact the State Emergency Services (SES) if not safe to do so.
  • Address repairs: Make necessary temporary repairs to prevent further damage or ensure safety.
  • Document damage: Record or photograph any storm-related damage for insurance purposes.
  • Stay informed: Keep updated on local news and recovery efforts.
  • Seek assistance: Reach out to authorities, community organisations, or support networks if needed.
  • Contact Gallagher: As soon as possible, provide detailed information and evidence of the damage.

General preparedness:

  • Stay informed: Regularly check weather forecasts and warnings from reliable sources.
  • Maintain Your Property:
    • If in a tenanted property, report any issues to your landlord.
    • Inspect and maintain windows, doors, and roofs.
    • Regularly clean gutters and drains.
    • Trim overhanging branches and trees.
    • Secure or bring indoors any loose outdoor items.
  • Create an emergency plan: Develop a comprehensive plan for evacuation, communication, and safeguarding important assets.
  • Review insurance coverage: Consult your broker to ensure your policies provide adequate coverage for storm-related damages.

Pending event:

  • Stay updated: Monitor weather updates and warnings closely.
  • Secure your premises: Secure windows and doors with weather shutters or other protective coverings.
  • Protect important assets: Move valuable items to a safe area.
  • Test backup systems: Where available ensure generators or uninterruptible power supplies are in working order.

Post-event:

  • Ensure your safety: Check for hazards before going outside.
  • Follow the directions of local authorities: Take instructions from emergency services or local government agencies.
  • Secure your property: Take immediate steps to prevent further damage.
  • Check utilities: Verify the status of water, gas, and electricity. Contact utility companies if needed.
  • Clear debris: Safely remove any fallen branches or debris or contact the State Emergency Services (SES) if not safe to do so.
  • Address repairs: Make necessary temporary repairs to prevent further damage or ensure safety.
  • Document damage: Record or photograph any storm-related damage for insurance purposes.
  • Stay informed: Keep updated on local news and recovery efforts.
  • Seek assistance: Reach out to authorities, community organisations, or support networks if needed.
  • Contact Gallagher: As soon as possible, provide detailed information and evidence of the damage.

Storm warnings and information

Various storm warnings and information are provided to keep the public informed and safe. Here are some different types of storm warnings and information commonly used:

It is important to stay updated with weather forecasts, warnings, and information from reliable sources such as the Bureau of Meteorology (BOM) and local emergency services. Following their advice and taking necessary precautions can help ensure personal safety during storms in Australia.

If you are affected and need to report damage, the Gallagher Claims team is here to help. You can complete our online form or contact the Gallagher Claims team as soon as possible.

Essential resources for storm preparedness

Emergency resources

Police/Fire/Ambulance: 000
State Emergency Service (SES): 132 500
Police attendance: 131 444

Claims resources

Gallagher 24/7 claims 1800 254 287 hotline.
Alternatively use the online claims form to lodge a case with us.
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