If you have a current home or contents policy with RAC, or both, your building or contents are covered if they’re damaged or destroyed by a storm (including cyclones) – up to your sums insured.¹

¹ Please note that you’re not covered for storm damage within the first 48 hours after the initial start of your policy, unless your policy started:

• When you first took possession of your building.
• When your lease for your building first commenced.
• Immediately after another policy covering the same risk expired without a break in cover.

Cover is issued by RAC Insurance Pty Limited. Our products are developed and distributed for appropriate target markets in accordance with our policy. Benefits are subject to policy conditions and PED Guide. Before you make a decision, please check the PDS and TMD to see if the policy is right for you.

Building insurance from RAC covers loss or damage to your fences and gates caused by storms, as long as they were structurally sound and well maintained prior to the damage or loss occurring.*

You can claim online for your storm damaged fence 24/7. Generally, we offer a cash settlement for fence repairs, once you’ve made a claim and we’ve approved it. If it’s a shared fence, the fence belongs to you and your neighbour so you’ll need to organise repairs with them.

Generally your policy will cover you if your ceiling collapses because of an event listed under your policy, such as storm or fire. Unfortunately some ceilings collapse due to their age or issues with the original installation, which isn't generally covered by insurance.

 

Read our Ceiling Collapse FAQs or Ceilings fact sheet for further information.

If you have a leaking or burst pipe that causes damage to your property, your policy provides cover for the costs to locate the leak and any resulting damage caused by it. Your policy does not cover the cost to repair the leaking/burst pipe. 

You can read our Escape of Liquid fact sheet for more information.

To settle your home contents or personal valuables claim, we may require documentation to prove that you own the claimed item. Types of substantiation or proof of ownership include photographs, receipts or invoices of the items being claimed.

Once your claim has been reviewed by our claims team, we’ll advise if you need to get a repair quote. In most cases, we’ll arrange for our service provider to assess and quote on repairing the damage.