Generally, there’s a 48-hour waiting period on fire cover. Please refer to your home insurance Product Disclosure Statement as some insurers offer some exceptions.
Understandably, it is unlikely an insurer will cover fires if they were lit with the intention to cause damage, either by you, anyone in your household, or anyone invited to your home – or with the knowledge or consent of you or anyone in your household. For full policy conditions, please refer to your home insurance Product Disclosure Statement.
Home and contents insurance could cover the costs of repairing or replacing your home or belongings for loss or damage caused by storm. Similar to fire cover, there’s generally a 48-hour waiting period on storm cover.
Most insurers will have a definition of what they consider to be a 'storm', and it will usually require that the storm be a cyclone or tornado, or rain, hail, wind or snow of significant force and/or volume.
It’s worth noting that you’re responsible for closing all the doors and windows to your home when a storm is on its way. If you leave these open for rain, hail, or snow to come in, you might not be able to claim. For full policy conditions, please refer to your home insurance Product Disclosure Statement.
Sudden escape of liquid
With building and contents insurance, you could make a claim for loss or damage caused by the sudden and unexpected escape of any liquid from a washing machine, dishwasher, toilet, basin, fixed heating system, fixed tank, pool, spa or water main.
You could also be covered to repair or replace the item the liquid escaped from. However, you may not be covered for loss or damage caused by a gradual escape of liquid, or a faulty or leaking shower recess or shower base. For full policy conditions, please refer to your home insurance Product Disclosure Statement.