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Personal finance
insurance: storm
Severe storms, including tornadoes, are our most frequently damaging natural hazards, and can occur Australia-wide.

At the beginning of the strom
 trim trees and branches well clear of your home
 check / secure roofing. Clear guttering and downpipes
 fit windows with shutters or at least metal screens
 clear yard of loose materials that may blow about
 prepare an emergency kit of: - portable radio, torch, and spare batteries; - first aid kit, manual and strong plastic bags; and - plastic sheeting, timber strips, hammer and nails
 list your emergency phone numbers
 check your home insurance is current and adequate
 if you live in a caravan, ask your State or Territory Emergency Service for a 'Protecting Caravans' pamphlet

When a severe storm approaches
 listen to local radio for storm 'Advices and Warnings'
 shelter and secure pets and animals. Put outdoor items, garden furniture, toys, etc inside. Fill bins with water
 shelter vehicles or cover with tied tarpaulins/blankets
 secure doors and windows and draw curtains
 put valuables, medications, spare warm clothing in plastic bags with your emergency kit
 disconnect electrical items and outside TV/radio aerials

When the storm strikes
 stay inside. Shelter well clear of windows and skylights
 if the building starts to break up, shelter in the strongest part, (cellar, internal room, hallway, or built-in wardrobe) under a mattress, doona, or a strong table or bench
 listen to your portable radio for storm updates
 if outdoors, seek solid enclosed shelter (not a tree)
 if driving, stop clear of trees, powerlines and streams
 don't use a fixed telephone during a thunderstorm

After the storm passes
 listen to local radio for official warnings and advice
 check for damaged windows, walls, or roof. Temporarily cover with plastic sheeting and nailed-on wooden strips
 if you don't need help, check/help your neighbours
 beware of fallen powerlines, damaged buildings and trees and flooded watercourses. Don't go sight- seeing

If unable to contact emergency services by phone
 listen to the radio for official warnings and advice
 form a self-help group with family and neighbours
 watch for emergency service personnel who will be checking your area as soon as possible