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Personal finance
insurance: flood
If your property is near a watercourse or is low-lying, it could be flooded, even if you have never seen flood waters there. This guide lists simple things you and your family can do to stay safe and protect your property.

Remember, flood damage is not usually covered by insurance.

Before flooding
 ask your council or State/Territory Emergency Service about local flood plans (or records) which detail problem areas and evacuation routes and centres
 if your area is flood-prone, consider alternatives to carpets (eg removable rugs). In ground-level rooms, tiled walls are less likely to be damaged than others and are more easily cleaned
 have an emergency kit on hand which includes a:
  • portable radio, torch, and spare batteries
  • stock of canned food and fresh water
  • first aid kit and manual and garden gloves
  • waterproof bags for clothing and valuables.
  •  Keep a list of emergency phone numbers on display:
  • State/Territory Emergency Service
  • Police
  • Local Council
  • When you hear flood warning or if flood appears likely
     tune to your local radio for warnings and advice
     plan which indoor items you will raise or empty if water threatens to enter your home
     prepare to move vehicles, equipment, garbage, chemicals, and poisons to higher locations
     check your emergency kit and remember your pets

    If you leave of your own accord, tell police or State/Territory Emergency Service, and your neighbours.

    If you need to evacuate
     firstly, pack warm clothing, essential medication, valuables, personal papers, photos and mementoes in waterproof bags, to be taken with your emergency kit
     raise furniture, clothing and valuables onto beds, tables and into roof space (electrical items highest)
     empty freezers and refrigerators, leaving doors open (to avoid damage or loss if they float about). Turn off power, water and gas and take your mobile phone
     whether you leave or stay, put sandbags in the toilet bowl and over all laundry/bathroom drain-holes to prevent sewage back-flow
     lock your home and take recommended evacuation routes for your area
     don't drive into water of unknown depth and current

    If you stay or on your return
     stay tuned to local radio for updated advice
     don't allow children to play in, or near, flood waters
     avoid entering flood waters. If you must, wear solid shoes and check depth and current with a stick. Stay away from drains, culverts and water over knee-deep
     don't use gas or electrical appliances which have been in floodwater until checked for safety
     don't eat food which has been in flood waters
     boil tap water until supplies have been declared safe

    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.