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Personal finance
insurance: cyclone
Before the cyclone season
 check the roof and eaves of your home are secure
 trim tree branches well clear of your home
 preferably, fit window shutters or at least, metal screens
 clear your property of loose material that could blow about to cause injury or damage during extreme winds
 find out about 'Cyclone Watches and Warnings'
 in case of a storm surge warning, know your nearest safe high ground and the best access route to it
 prepare an emergency kit containing:
 a portable radio, torch and spare batteries;
 stocks of fresh water and canned food, and a can opener;
 matches, fuel lamp, portable stove, cooking gear, utensils, can opener and waterproof bags;
 a first aid kit, manual and masking tape for windows.
 Keep a list of emergency phone numbers on display.

Upon cyclone warning
 store loose items inside. Put wooden or plastic outdoor furniture in your pool. Fill bins and boats with water
 fuel your car and park it under solid cover
 close shutters or board-up or heavily tape all windows. Stay inside, with pets. Draw curtains and secure doors
 pack an evacuation kit of warm clothing, essential medications, valuables, papers, photos and mementoes in waterproof bags, to be taken with your emergency kit
 listen to your local radio/TV for further information

On warning of local evacuation
 based on predicted wind speeds and storm surge heights, evacuation may be necessary
 official advice will be given on local radio/TV regarding safe routes and when to move
 wear strong shoes (not thongs) and clothing for protection
 lock your home, switch off power, gas, water, and take your evacuation and emergency kits
 if evacuating inland (out of town) take pets and leave early to avoid heavy traffic, flooding and wind hazards
 if evacuating to a local shelter or higher ground, follow police and State/Territory Emergency Services directions

When cyclone strikes
 disconnect all electrical appliances and turn off gas
 stay inside and shelter (well clear of windows) in the strongest part of the building, ie cellar, internal hallway or bathroom. Keep evacuation and emergency kits with you
 if the building starts to break up, protect yourself with matresses, rugs or blankets under a strong table or bench or hold onto a solid fixture, eg a water pipe
 listen to your portable radio for updates and advice
 beware the calm 'eye'. If the wind suddenly drops, don't assume the cyclone is over, violent winds will soon resume from the opposite direction. Wait for the official 'all clear'
 if driving, stop - but well away from the sea and clear of trees, powerlines and streams. Stay in the vehicle

After the cyclone
 don't go outside until officially advised it is safe
 check for gas leaks. Don't use electric appliances if wet
 listen to local radio for official warnings and advice
 if you have to evacuate, or did so earlier, don't return until advised. Use a recommended route and don't rush
 beware of fallen powerlines, damaged bridges, buildings and trees, and don't enter the flood waters
 heed all warnings and don't go sight-seeing
 don't make unnecessary telephone calls

This information is brought to you by Emergency Management Australia, a Commonweatlh Government Agency. Neither Reckon Ltd ACN 003 348 730, nor Reckon.com.au Pty Ltd ACN 079 120 568 accepts any responsibility for the completeness or accuracy of such information.