If you've lost your home, business or other property after a natural disaster, you don't have to go it alone. We have information to help you prepare for a natural disaster, and to manage the first few days after the event.
Recovering from a natural disaster takes time. So, once the immediacy is over, follow these steps to start your recovery.
Confirm what help is available to you
The federal government and state and territory governments work together to provide support when you’re affected by a natural disaster.
For federal assistance, visit Services Australia. And for business owners, visit the government’s Business website.
In addition, each state and territory has information and support services available. You can find links to the recovery information services on the National Emergency Management Agency website. Or use the list below:
Australian Capital Territory
New South Wales
Northern Territory
Queensland
South Australia
Tasmania
Victoria
Western Australia
Get help to make a recovery plan
There are a lot of financial decisions to think about straight away, and over the months ahead.
Fortunately, there's support to help you make a recovery plan and navigate financial decisions to get your life back on track.
Speak to a free financial counsellor
Financial counselling is free, independent and confidential. A financial counsellor can help you make a plan to manage your money and prioritise your bills and other payments.
A financial counsellor can also talk to creditors on your behalf and negotiate affordable payment plans. The earlier you get help, the more options you'll have.
If you're a small business owner whose business has been affected by a natural disaster, contact a specialist small business financial counsellor.
If you're a farmer or a grower, a rural financial counsellor can help you plan for recovery, negotiate with creditors and access professional services.
Keep your bank or lender updated
As soon as possible, let your lender know you have been impacted by a natural disaster. Their financial hardship teams will have a range of ways they can help you.
Financial hardship team contact details are on the Australian Banking Association or the Customer Owned Banking Association websites.
Make sure you keep your bank updated regularly over the following months as you progress your recovery.
Other sources of help
National Debt Helpline
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National Debt Helpline is open from 9.30am to 4.30pm, Monday to Friday. When you call, you'll be transferred to the service in your state. 1800 007 007.
Mob Strong Debt Helpline
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Mob Strong Debt Helpline is a free service about money matters for Aboriginal and Torres Strait Islander peoples from anywhere in Australia. The Helpline is open from 9.30am to 4.30pm, Monday to Friday. 1800 808 488.
Settle your insurance claim
Your insurer may offer to:
- handle repair or replacement of your home or business, or
- offer cash to settle your claim
Cash settlements mean you have to manage the repair or rebuild process yourself, and you might be left out of pocket. Take the time to consider the best option for you.
If you settle your claim within a month of the event, you have up to a year to get it reassessed if you're not happy. See the how to make a home insurance claim for more information.
Check with your insurer before making any repairs to your property. Your insurer may need to authorise repairs and tradespeople before they happen.
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Claiming insurance after a bushfire can be a daunting process. Take your time and do your research before making any big decisions.
Get help if you run into problems
If you're not satisfied with the insurance claims process or decision, dispute it with your insurer.
If you can't reach an agreement, contact the Australian Financial Complaints Authority (AFCA) on 1800 337 444 to make a complaint and get free, independent dispute resolution.
You can also apply to access free legal advice and support if you need it. Find links to legal help in each state and territory.
Continue to ask for the help you need
Recovering from a natural disaster takes an emotional as well as a financial toll. At any point in the journey don't hesitate to speak to:
- your doctor — they can often identify the help you need
- Lifeline Australia — phone 13 11 14 for a free 24-hour crisis support service. Or try their crisis support chat service
- Beyond Blue — phone 1300 22 46 36 to speak to a mental health professional 24 hours a day. Or contact via web chat
- 13YARN – phone 13 92 76 to talk with an Aboriginal or Torres Strait Islander Crisis Supporter.
Recovering from a natural disaster can be a slow process. Don’t hesitate to make use of all the services you need