Natural disasters and extreme weather events
We are here to help
Navigating you through the insurance implications
Making decisions in the middle of something as catastrophic as a natural disaster can be difficult. And, unfortunately, investment properties are not immune from impact when Mother Nature strikes. Knowing how to respond in times of disaster makes the claims process easier and helps to minimise stress. We are here to help – if your property, or one you manage, is damaged due to a natural disaster, the below information may help you to navigate this time...
What to do if you are impacted by a natural disaster
Do a safety walkthrough
If access to the property has been granted by the emergency services and it is safe to enter, do a safety walkthrough and take steps to prevent further loss or damage.
Contact the insurer
EBM RentCover’s Expert Care team is on standby during natural disasters and can help answer any questions you may have about your insurance.
Capture the damage
To submit a successful insurance claim you need to establish and show a loss has occurred. You can do this by taking photos of the damage.
Seek quotes for repairs
Generally, two quotes are needed for repairs. This may be difficult during catastrophic events. So, at EBM RentCover, we require just one in the first instance.
Get a report from the repairer
A report from the repairer (also known as a causation report) helps insurers to quickly identify the cause of damage and make a quick and fully informed decision when it comes to processing a claim.
Submit a claim
Got everything sorted? Submit a claim! EBM RentCover's claims specialists are equipped and ready to hear from you. Use our online claims portal to submit a claim with supporting documents.
Our claims portal allows you to submit a claim easily online
How do natural disasters impact cover?
What should landlords do if they are impacted by a natural disaster?
When should a landlord notify their insurer that their property has been impacted by a natural disaster?
After a natural disaster, when can a landlord return to their property?
What about tenants - when can they return to a property?
What documentation is needed to submit a claim?
I can’t access any repairers during this time, and I need quotes to support my claim. What should I do?
What happens after a claim has been submitted?
What are claim turnaround times?
What is a loss adjuster?
How do loss adjusters work?
Can I request a loss adjuster be appointed to my claim?
Can landlords take out cover in areas impacted by a natural disaster?
FLOOD-specific: My property has suffered from rising black water. What should I do?
What other support can landlords seek during a natural disaster?
Info CentreView all
Knowing how to respond in times of disaster makes the claims process easier and helps to minimise financial and emotional stress...