Cyclones are a force of nature that can cause significant damage in a short amount of time. For policyholders under Hutch Residential Strata, understanding how to efficiently file a claim can make a world of difference. This guide will walk you through the essential steps to ensure your safety and peace of mind during this process.
It's important to prepare ahead of the storm. If it's safe to do so:
It is important to engage insured tradespeople to undertake preventative actions such as trimming tree branches or clearing gutters.
First and foremost, your safety is paramount. When a cyclone hits, it’s crucial to stay informed through local weather updates and heed any warnings from authorities. If you find yourself in immediate danger, do not hesitate to contact emergency services by dialling 000. Safety comes before all else, so make sure you and your loved ones are out of harm's way before addressing any property damage.
Once the immediate threat has passed, assess your surroundings. If it is safe to do so, take steps to prevent further damage to your property. This might include temporary repairs such as using tarps to cover breaches in the roof or boarding up windows. Remember to keep all receipts for any expenses incurred during these temporary measures, as they may be reimbursable.
In the aftermath of a cyclone, thorough documentation is key to a smooth claims process. Take clear, detailed photographs and videos of all damages before initiating any repairs. This visual evidence is crucial for substantiating your claim and ensuring that all damages are accounted for.
While assessing the damage, keep a detailed list of all affected areas and items. This inventory will help streamline your claim and provide a comprehensive overview for your insurance broker. The more detailed your documentation, the more efficient the process will be.
Before lodging a claim, it’s important to understand the specifics of your Hutch Residential Strata policy. Your policy will typically cover storm damage caused by a cyclone, but it's essential to review your Policy Schedule and Product Disclosure Statement (PDS) for detailed coverage information, including any conditions and excesses.
Be aware that there may be exclusions, such as coverage restrictions for action of the sea and storm surges. Understanding these nuances beforehand can save you time and potential frustration. If you have questions about your policy, your insurance broker is a valuable resource for clarification.
Once you’ve ensured safety and documented the damage, it’s time to lodge your claim. Start by contacting your insurance broker, who will guide you through the process. Provide them with your policy number and any relevant details about the incident.
Hutch offers multiple options for lodging a claim, including online claims forms and PDFs. Your broker should assist in representing your claim and communicating with Hutch’s Claims Team, available from Monday to Friday, 8:30 a.m. to 5:00 p.m. AEST. Quick communication ensures that your claim is processed efficiently.
In some cases, emergency repairs might be necessary to prevent further damage to your property. During business hours, you can contact Hutch’s Claims Team directly. For after-hours emergencies, Hutch has a panel of repairers available to assist, including Insurebuild, Bentino, and Ezy Projects.
Having access to these resources ensures that immediate issues can be addressed efficiently, minimizing further risk to your property and enabling a faster recovery process.
Throughout the claims process, staying informed and supported is crucial. Regular communication with your insurance broker and Hutch’s Claims Team will provide updates and guidance. Additionally, Hutch offers various support services, including assistance for customers experiencing vulnerability or financial hardship.
By following these steps, you can navigate the complexities of cyclone damage claims with confidence. Hutch is committed to providing trustworthy, professional, and friendly support to ensure your claims process is as smooth as possible. Remember, you’re not just a policyholder; you’re part of a community that Hutch is here to support, come rain or shine.