Break in

Holiday break or break-in?

Christmas holidays are almost here, and many of us will take this opportunity to have an extended holiday to celebrate with friends and family.

But before you go, we urge you to do a quick review of your security and do some “risk management” for your private and business assets.

You might be travelling near or far to celebrate Christmas, but regardless of distance, it is extremely important to maintain the image of an occupied home or office to the outside world.

Many signs can show unwanted guests that your property is unattended. Below is a list of evidence that can make you a target for a break-in.

  • A build-up of mail
  • Little to no lighting surrounding the premises
  • No signs of activity
  • Lack of lawn & garden maintenance
  • Signage & social media posts displaying business/office closures

 

Before leaving, try to arrange:

  • Someone to collect or redirect your mail
  • Someone to be on call to check security devices are operational
  • Someone to maintain gardens and lawn
  • Have an extra security patrol check of premises

 

Christmas is a time to be stress-free and take a break from the rat race; nobody wants to return from a well-deserved break to find their premises has been vandalised and/or broken into.

It might take you an extra 10mins or a half an hour to organise but making an effort to maintain appearances can save you time and money.

Don’t forget that you should also notify your insurer if you intend to leave your property vacant for any period of time

For more information about when you should notify your insurer about extended periods of vacancy, read this article from our parent company IAGB. CLICK HERE

Let’s make this a holiday break, and not a break-in!

And remember, if you are worried your business is a target, insurance is the best risk management strategy you can have. Call our friendly team today and we can review your insurance needs to give you peace of mind.

Then if the worst should happen, the team at Piranha Insurance will be here to get you back on your feet.

be prepared for storms.

Cyclone and storm season has started – are you prepared?

Summer months bring hot weather and an increase in storm activity in Central Queensland, and while  severe thunderstorms are very localised events, not usually affecting wide areas as tropical cyclones and floods do, so their devastating impact is often underestimated.

Thunderstorms can occur anywhere and do so more frequently than any other major natural hazard. Each year severe thunderstorms are responsible, on average, for more damage (as measured by insurance costs) than tropical cyclones, earthquakes, bushfires and floods.

However, while insurance is always going to be your best risk management strategy for severe weather events,  a little bit of preparation can also go a long way to reducing the amount of damage to your property and business.

Below you’ll find some tips from Vero for staying storm prepared.

Preparing for storm season

Weather events can happen at any time of the year, but most natural catastrophes occur between October and April.

We encourage you to follow the tips below to keep your home, car, business and loved ones safe.

  • Keep valuables, medications, important documents and spare clothing in plastic bags with your emergency kit
  • Remove fire hazards from the property and secure outdoor furniture and loose items
  • Rake bark, leaves, twigs and trim trees and overhanging branches
  • Remove all debris from around your property
  • Ensure your roof and windows are in good condition
  • Make sure to back up all business computer files
  • Use a camera to document the condition of your business and stock. This will help you make a claim in the event of a loss. Update these records at least once a year
  • Use a safe-deposit box or a safe to store your insurance policies and photographic documentation
  • Check the condition of the roof and repair loose tiles, eaves and roof screws
  • Clean gutters and downpipes so water can drain quickly
  • Identify how to turn off mains for water, power and gas
  • Store all poisons above ground in case of flash flooding
  • Make sure your property has clear access for emergency services
  • Keep your vehicle well-maintained including wipers, lights and spare tyre
  • Keep your vehicle’s fuel tank full if there is a weather warning current to your district
  • Be aware of the process if you need to make a claim

Making a claim after a natural disaster

Contact your broker to lodge your claim.

Information you may be asked for

  • Policy number
  •  Full name and contact details (as per policy)
  • ABN if you are registered for GST
  • BSB and Account details to enable fast settlement of your claim (where applicable)
  • Detailed description of the loss or damage
  •  Location of the loss or damage

Tell us anything else that may assist us in helping you

Specific to motor claims:

  • Make, model and registration of the vehicle
  • Driver’s name and date of birth

Event claim process

1. Lodge

  •  Lodge claim with your broker
  • Your broker will advise initial steps and requirements
  • Confirm damage
  • Arrange make-safe repairs
  • Issue emergency payment
  • Arrange temporary accommodation if needed

2. Assess

  • Make an assessment (if needed)
  • Get quotes for repair/replacement

3. End

  • Repairs or replacement complete
  • Cash settlements issued
  • Claim closed

Tips to progress the claim

  • Contact your broker who will be able to assist you and advise what information we may require
  • Read your PDS so you are familiar with your policy. Are you covered for fire, storm damage or for loss of business income resulting from these events?
  • Provide proof of ownership or loss documents as soon as possible (photos, owner’s manual and item packaging or bank statements)
  • Where possible, provide photos of the damage
  • If you’re providing a builders report or quote, make sure it specifies the cause of damage
  • Remove wet contents from inside and keep the premises ventilated to avoid mould
  • List items you’ve thrown away with clear descriptions and supporting photos. Include the brand, make and model number of electrical items
  • Remove all damaged carpet and take photographs of damage in each room. Keep a metre squared sample or photograph the back where the make and brand is stamped so we can attempt to replace with similar carpet
  • Dispose of contaminated food as soon as possible keeping a list and/or photos of what perished
  • Keep receipts for emergency repairs (car lights, wiper blades, glass windows

 

Related articles from the team at IAGB

Cyclone Season is here; are you prepared? 

Tropical Cyclone Debbie Update