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Most standard home insurance policies in Australia now include flood cover following the standardisation of the definition of 'flood' after the 2011 Queensland floods. However, some policies still exclude flood or offer it only as an optional extra, and properties in high-risk flood zones may face exclusions or significantly higher premiums.
Storm damage typically refers to water entering the property from rainfall or wind-driven rain — a roof leak during a storm, for instance. Flood damage refers to water rising from an external source such as a river, creek, or overflowing stormwater drain inundating the property. Historically, many policies covered storm but excluded flood. Since 2012, the standardised definition means both are now commonly covered under one 'flood' definition, but verify your specific policy.
Your local council maintains flood mapping data accessible on their website or via the state government's planning portal. Many insurers run automated flood checks at quoting based on your address. If your property is in a mapped flood zone, you may receive a higher premium, a sub-limit on flood claims, or in extreme cases a flood exclusion. Knowing your flood risk before purchasing is important — a broker can help you navigate cover options.
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