Winter in Australia can bring its own set of challenges when it comes to unpredictable weather. While the cooler months can mean severe storms are less frequent and less severe, they do still occur. There are some simple seasonal tasks that can help protect your home and business and avoid potential insurance claims. Here are some practical tips from the AIB Claims team to prepare for winter and safeguard your property during the colder months.

1. Inspect and Maintain Your Roof

Your roof is your first line of defence against winter weather. Regularly check for damaged or missing tiles, shingles or metal sheets. Ensure gutters and downpipes are clear of debris to prevent water buildup and leaks. It’s also wise to inspect attic insulation to avoid heat loss and condensation issues.

2. Service Heating Systems

Properly maintained heating systems are crucial for keeping your home or business warm and safe. Schedule regular maintenance for your heaters and chimneys to ensure they are working efficiently and safely. This also helps in preventing potential fire hazards caused by faulty heating equipment.

3. Secure Fences, Windows and Doors

Strong winds can cause significant damage to fences, windows and doors. Now is a great time to inspect them and ensure they are in good condition and properly sealed. Install storm shutters or use protective films to reduce the risk of glass breakage. Regularly check for any drafts and fix them to keep the cold air out and the warm air in.

4. Trim Trees and Remove Debris

Overgrown trees and loose branches can pose a significant threat during winter storms. Trim trees and remove any dead or weak branches that could fall and cause damage. Clear your yard of loose items that could become projectiles in strong winds, reducing the risk of damage to your property and surrounding areas.

5. Check Your Insurance Coverage

Review your home and business insurance policies to ensure you have adequate coverage for winter-related incidents. Understand what is covered under your policy and consider adding additional coverage if necessary. Knowing your coverage limits can provide peace of mind and help you prepare for potential claims.

6. Emergency Preparedness Plan

Create an emergency preparedness plan for your home or business. This should include emergency contact numbers, evacuation routes and a checklist of essential items. Ensure all family members or employees are familiar with the plan and conduct regular drills to stay prepared.

By taking these preventive measures, you can protect your home and business from potential winter damage and reduce the likelihood of insurance claims. At AIB, we’re here to help you stay safe and secure throughout the winter months. If you have any questions about your coverage or need assistance, don’t hesitate to contact us.

For more information and personalised advice, contact the AIB team for a quote or call us at 07 5409 4600

If you own a small business, chances are you’ll need a range of different insurance policies to help protect your operations, assets and employees.

However, determining the type and level of cover appropriate for your needs isn’t always a straightforward process – and getting it wrong could cost a lot.

That’s why it pays to work with a specialist small business insurance broker whose job is to ensure you have the right cover for your needs. Here’s how they can help you get the most out of your insurance investment.

Benefits of Working With A Small Business Insurance Broker

Tailoring your coverage

No two businesses are the same, and that means their insurance needs aren’t the same either.

Also no two insurers are the same, and that means their insurance policies aren’t the same either.

A good small business insurance broker will spend time getting to know you and your business, including the risks and vulnerabilities that need to be covered. Armed with that knowledge, they’ll design and source policies that are right for your risk profile.

As a result, you can have an appropriate level of cover for your specific circumstances.

Making sure your sums insured are accurate

Your sum insured is the maximum amount your insurer will pay out on each of your policies should you make a claim. To determine what those figures should be, you’ll need to calculate your potential losses for a range of events, such as natural disasters, business interruption and theft.

Overestimating what your losses would be can result in your paying unnecessarily high premiums, while underestimating can mean you’re significantly out-of-pocket in the event of an incident. An experienced broker can help you strike the right balance.

Understanding the options

It pays to shop around, but if you’re a busy business owner, there may be a dozen more urgent tasks on your ‘To-do’ list. Sticking with the status quo can feel easier than spending hours on the phone researching the alternatives.

Or you could allow your broker to do that leg work for you, contacting insurers to explore the options and recommending the policies that represent the best value for money.

Assisting with claims

Making an insurance claim is often time-consuming and stressful, but a broker can assume some of the burden on your behalf. It’s their job to support you through the process, liaising with your insurer and acting as your advocate.

Having an expert in your corner can result in smoother and speedier claim settlements, allowing you to get on with running your business.

Providing ongoing support

Ideally, your relationship with your broker will become a long-term one, so your broker can provide ongoing assistance with policy adjustments and renewals as well as risk management advice to help you safeguard your operations and assets.

Cover when it counts

Having appropriate insurance in place can help protect your business in the event of adverse incidents.

A small business insurance broker can help you determine what type and level of cover best suits your circumstances and advocate for you in the event of a claim.

Contact your AIB small business insurance specialist today if you’d like to talk to a specialist about your requirements.

 

Important notice

All information in this article is of a general nature only and does not take into account your specific objectives, financial situation or needs. Deductibles, exclusions and limits apply to insurance.

Steadfast Group Ltd ACN 073 659 677

Important notice – Steadfast Group Limited ABN 98 073 659 677

This general information does not take into account your specific objectives, financial situation or needs. It is also not financial advice, nor complete, so please discuss the full details with your Steadfast insurance broker as to whether this business interruption insurance is appropriate for you. Deductibles, exclusions and limits apply. This insurance is issued by various insurers and can differ. You should consider the relevant Product Disclosure Statement and any Target Market Determination in deciding whether to buy or renew this type of insurance.

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