Ex-Cyclone Alfred: Navigating insurance claims after the storm

Ex-Cyclone Alfred may have weakened before landfall, but its impact was severe, leaving businesses across southeast Queensland and northern NSW dealing with power outages, flooding, and property damage. With over 63,000 insurance claims lodged, businesses now face the challenge of determining whether losses fall under cyclone, storm, or flood—each with different implications for claim eligibility.

Adding to the complexity, Business Interruption coverage, including Prevention of Access and Public Authority Closure, depends on specific policy wording and timing. Understanding exclusions and sub-limits is critical to maximising claims and securing the financial support needed for recovery.

Click here for a deeper dive into key considerations, including how insurers classify damage and what businesses can claim.

Stella Pruscino is Account Director with Edgewise Insurance Brokers.