EVENTS
Fire (including Bushfire)
COVERED
Fire (including bushfire) means burning with flames. This is how we determine and categorise it as an incident under AAMI Home Building and/or Contents Insurance should you experience any damage or loss to your building or contents caused by fire (including bushfire).
What’s covered
If you experience loss or damage to your building or contents due to fire (including bushfire), or any heat, ash, soot and smoke directly resulting from a fire within 100 metres of the insured address, you can lodge a claim.
In the event of a bushfire in your area, we cover some extra costs such as the cost of replacing water in any tank, container, pool, spa and any other storage vessel where the water has been used to limit the spread of bushfire in your area, or become contaminated due to the use of fire retardant at the insured address. If your claim is for these extra costs only, no excess applies. The most we will pay under ‘Extra costs cover in the event of bushfire in your area is $1,000 for any one incident.
Note that we do not insure you for bushfire in the first 72 hours of a new policy. Very limited exceptions apply. Other exclusions also apply. You can find more information on what is covered in the Product Disclosure Statement.
What’s not covered
There are instances where you are not covered, such as where the loss or damage arises from arcing, scorching, melting or cigarette burns unless a fire spreads from the initial burn spot (e.g. cigarette burns to the carpet where no fire has spread). You can see what we don’t cover in the Product Disclosure Statement.