As severe weather events become more frequent and costly across Australia and causing a surge in insurance claims, the Royal Automobile Club of Victoria (RACV) is calling on residents to boost their storm preparedness. In Victoria alone, storm-related damage now costs an estimated $28 million each year, according to the Victorian State Emergency Service.
The urgency for readiness is growing. Cyclone Alfred, which impacted parts of Queensland and New South Wales between February and March 2025, has been confirmed as Australia’s most significant weather-related insurance event this year. Catastrophe data firm PERILS revised insured losses from the event to a staggering $2.25 billion.
“Preparing for extreme weather events such as storms is the responsibility of households, communities, and governments,” said Bill Bloodworth, General Manager of Home Services at RACV. “Whether you own your home or are renting, there are actions you can take to prepare yourself for emergencies.”
How to Prepare Your Property Before a Storm
To help reduce damage and risk, RACV recommends a few simple but effective steps. Staying informed is critical. Therefore, residents should use the VicEmergency app and listen to real-time alerts from emergency services.
Property protection should also be a priority. Recommended actions include:
- Clearing gutters to avoid overflow during heavy rainfall
- Securing or storing outdoor items such as furniture, umbrellas, and toys
- Pruning overhanging branches that could fall during high winds
Unsecured outdoor objects can become dangerous projectiles, causing significant damage during storms.
Also Read: Is All Risk Insurance the Same as Property Insurance?
Driver Safety: Stay Alert During Severe Weather
Driving in stormy conditions can be dangerous. RACV urges motorists to take the following precautions:
- Reduce your speed and keep a greater distance from other vehicles
- Avoid areas with hazards like fallen trees or live power lines
- Seek safe shelter if visibility becomes poor or hail is expected
If conditions worsen, it’s safer to pull over in a secure, covered space until the storm passes.
Flood Risks Demand Extra Caution
With 1 in 10 Australian properties at risk of flooding, RACV emphasizes the importance of having a flood plan. Key measures include:
- Creating a family evacuation plan
- Packing an emergency kit with essential supplies
- Using sandbags and barriers to prevent water entry
Property owners in flood-prone regions may also benefit from long-term changes, such as elevating homes or installing water-resistant materials.
Protect Your Vehicle from Hail Damage
Hail can damage vehicles in seconds. To reduce risk:
- Park undercover or in garages whenever storms are forecast
- Use protective hail covers if undercover space is unavailable
- Avoid parking under trees or near powerlines, which may fall during heavy wind and rain
If you’re caught in a hailstorm while driving, safely pull over and wait in a secure location until the storm passes.
Prepare for Power Outages Before They Happen
Power disruptions are common during and after major storms. RACV recommends every home keep an emergency kit that includes:
- Flashlights and spare batteries
- Bottled water and non-perishable food
- A battery-powered radio for updates
- Fully charged mobile phones and power banks
Before a storm hits, it’s wise to switch off major appliances to prevent electrical damage when power is restored. Additionally, avoid opening fridges or freezers unnecessarily, as this helps preserve food for longer during outages.
To stay informed, residents should regularly check updates from power companies. Also, visit the VicEmergency platform for restoration timelines and safety alerts.
Also Read: What You Should Know About Uninsurable Risks?
Why Community Preparedness Matters Now More Than Ever
RACV stresses that preparing for extreme weather is not just a personal responsibility—it’s a shared one. As climate events increase in severity, communities that plan ahead will experience fewer losses. In addition, they will have lower insurance claims and a faster recovery.
By taking proactive steps today, homeowners and renters alike can protect their properties, vehicles, and families tomorrow. The surge in insurance claims can be greatly minimized and managed if Australians listen to what RACV is saying.
