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What does Flood Insurance cover?

By Peter Vickers Insurance Brokers | small business insurance, small business, flood insurance, insurance broker, News Highlights |

(Pic: PVBG Windsor Office March 2021)

A flood is specifically defined as "when a property is inundated by overflow of inland and tidal waters, unusual or rapid accumulation of surface water from any source or mud-flow."

If you are flood affected? Talk to us at PVIB to discuss your cover call us on 1300 784 011

The Australian Standard Definition of a Flood is:  “The covering of normally dry land by water that has escaped or been release from the normal confines of:

  • Any lake, or any river, creek or other natural watercourse, whether or not altered or modified; or
  • Any reservoir, canal, or dam.”

This applies to home and contents, small business and domestic strata-title policies.

Flood insurance is often built into a range of insurance policies, including home and contents, strata title, motor vehicle and business insurance policies.

If you have been affected by flash flooding, most policies cover this flood risk, but check your policy carefully if you have a particular risk for this kind of damage, for example if your house is at the bottom of a slope.

Even if your policy excludes flood damage, your policy may still cover you for events such as storm damage or rainwater damage. Storm or rainwater cover in your insurance policy may cover the situation where your house becomes inundated by rainwater that has fallen naturally from the sky. Though most insurers regard rainwater runoff as part of storm cover, some insurers won’t cover rainwater runoff or storm surge when the customer chooses not to take flood cover.

But the best advice is talk to an expert that can fully assess your situation and provide you with options that suit your needs and budget. Talk to us at Peter Vickers Insurance Brokers on 1300 784 011.

Why choose Peter Vickers? – For dedicated Personal service, Professional results, we will ensure you get the best policy we can deliver.



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Lindfield, NSW 2070

T: 61 2 9496 2300

Peter Vickers Insurance Brokers

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Lindfield NSW 2070
T: 1300 784 011


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Windsor, NSW 2756
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