How to prepare for a storm

Floods can strike at any time. Follow CGU’s simple tips to plan ahead while keeping your family and home safe.

How to prepare for a storm

Severe weather can strike at any time and preparation is key to limiting damage. As supporters of the good work done by the state emergency services, we want to guide you with keeping yourself and loved ones safe in the event of a storm – because what you do now can make a big difference when severe weather strikes.

Check out our tips below.

1. Before a storm

Remember – in severe weather, some damage to your property can happen no matter how well you’ve prepared – make sure you’re fully insured.

  • Clean gutters and downpipes and check the roof for leaks
  • Sweep debris away from drains and clear any that are blocked
  • Trim tree branches near the house
  • If you live in a cyclone-prone area, it’s a good idea to fit permanent shutters or metal screens to glass windows and doors.

2. If a storm is coming

  • Remove loose objects that might get broken or cause damage if blown around
  • Tie down, take inside, or fill with water – large, relatively light things like garbage bins and boats to stop them being blown around
  • Shelter and secure your pets
  • Protect vehicles or cover them with a tarpaulin or blankets – make sure you have a full tank of fuel in case you need and are able to, evacuate
  • If floods are likely move outdoor equipment, cardboard boxes, garbage, chemicals and poisons to somewhere up high
  • Fill your sinks and bath with fresh drinking water
  • Check your emergency kit (see the relevant SES kit list by selecting your state)
  • If flooding is likely, put furniture, TV, rugs, books and art as high as you can.

3. During the storm

The priority is to keep yourself, your family and pets safe during the storm. 

Learn more about what you can do to help protect your family at

4. After the storm

  • Check your home for damage to windows, walls or roof. If you need to make a claim contact us on 132481
  • If you need emergency assistance call your local State Emergency Service by visiting the Emergency Alert website and selecting your relevant state.
  • If returning to your home, make sure electricity and gas are off before going inside. If you need light, only use a torch until you’re sure there’s no gas around
  • Remove what excess water you can and mop waterlogged carpets
  • Throw out food that’s been in contact with floodwater and boil water until supplies have been declared safe
  • Check your smoke detectors are still working
  • Don’t use electrical items that are wet. Have them and gas appliances professionally tested as soon as possible.

Disclaimer: Insurance is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. In offering these products, The Capricornian Ltd acts under its own Australian Financial Services Licence and under an agreement with the insurers, CGU. This is general information only and does not take into account your individual objectives, financial situation or needs (‘your personal circumstances’). In arranging this insurance The Capricornian Ltd acts as an intermediary for CGU, not as your agent. The Capricornian Ltd does not guarantee any claim or benefit payable under the insurance policy. We receive commission on insurance products details can be found in our Conditions of Use brochure. Before making decisions about any of these insurance products you should consider the appropriateness of the information having regard to your circumstances and the applicable Target Market Determination (TMD) and Product Disclosure Statement (PDS), available at any Capricornian branch or by calling 1300 314 900 The Capricornian Ltd ABN 54 087 650 940 AFSL / ACL No. 246780.

See also