Cyclone support

There’s no need to immediately reach out if you find anything new. Just make a note of the problem and take photos. The next time we’re in touch, let us know about it and we’ll include all the details in your claim.

If a different part of your home is damaged by another event, please lodge a new claim online.

A scope of work is a detailed summary of the work that will be undertaken to repair or rebuild your home. This includes the repairs that will be made in each room and the materials used. The scope of work will be updated as needed.  

Your assessor, builder or Claims Manager will explain your scope of work and provide you with a copy for your consideration. Remember, your repairs or rebuild cannot commence until you have signed your scope of work.

To help keep you in your home, we can cover the cost of a generator if this means you don’t need temporary accommodation.  
Your Claims Manager can share more details, such as limits.

During major events, third parties may door knock or letter drop offering to manage your insurance claim. Please be aware that: 

• these services are not provided by us
• we’ll never send an assessor or builder to your home without first notifying you, and
• we won’t demand payment on top of your excess for the work being undertaken.

If you’re approached by a third party, you may be asked to pay for these services using a percentage of your insurance settlement. You should always carefully consider the use of these services as your insurance policy doesn’t cover this cost.

If you decide to engage a third party, you should always ask for their:

• Australian Financial Services Licence (AFSL) number to check it against ASIC’s database
• Financial Services Guide
• fee for assisting in the lodgement of your claim, and 
• Australian Financial Complaints Authority (AFCA) credentials. 

Remember: Never sign a contract/authorisation to act on your behalf (physically or electronically) until you’ve received the information you’ve requested.

• Read more about third-parties that offer claim services

Our claims team will identify next steps. This may include booking an assessment, repairs, replacements, and/or arranging payments. You can learn more about this process in our Scope of work fact sheet.

This may take longer than usual if there’s been a severe weather event, but we’ll be in touch as soon as possible. In the meantime, remember to take photos or videos of the damage and if possible, a sample of each type of carpet. You can also remove wet carpet and damaged contents before an assessor visits your home.

If we accept your claim, we’ll cover the reasonable and necessary costs of demolishing and removing damaged parts of your home. This includes fallen trees if they’ve damaged your home. 

You can find your policy limits for removal of debris in the PDS or talk to our dedicated claims team is you have questions.

AAMI will never send an SMS message requesting an excess payment to progress your home claim. If you receive such a message, please delete it immediately.