Flood Insurance

House Flood Insurance – Protect Your Home with WebInsure

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All strategies and information provided on this website are general advice only which does not take into consideration any of your personal circumstances. Please arrange an appointment to seek personal advice prior to acting on this information. Cover availability, terms, exclusions and premiums vary by insurer, product and individual circumstance.

WebInsure Pty Ltd ABN 32 054 247 666 is an Authorised Representative 000271148 of Community Broker Network Pty Ltd ABN 60 096 916 184 AFSL 233750.

Related pages

• https://www.webinsure.com.au/insurance/
• https://www.webinsure.com.au/insurance-western-australia/
• https://www.webinsure.com.au/insurance-victoria/
• https://www.webinsure.com.au/insurance-victoria-park-perth/
• https://www.webinsure.com.au/insurance-tasmania/
• Flood Insurance (detailed)

Protect Your Biggest Investment from Flood Risks

For many Australians, the family home is the largest financial investment they will make. Yet some homeowners only discover during a claim that their insurance does not cover the events they expected.

WebInsure specialises in House Flood Insurance that is built around real risks

Flood Insurance — What to Check in Your Policy

Flood insurance in Australia is not standardised — different insurers use different definitions for what constitutes a flood event, and the distinction between riverine flood, flash flooding, storm water overflow and storm surge can determine whether a claim is paid or declined. Understanding the flood definitions in your specific policy before an event — not after — is the most important step a property owner or business operator can take.

The key definitions to check in any property or business insurance policy include: how flood is defined; whether riverine flooding from overflowing rivers and creeks is included or excluded; whether storm water flooding from overwhelmed drainage systems is treated differently; what the flood excess is and how it is calculated; and whether flood cover applies to both buildings and contents or only one of them.

Flood Insurance for Businesses

Business flood insurance needs extend beyond property cover. Business interruption insurance — covering lost revenue and fixed costs when a flood prevents normal trading — is often the more financially significant cover for a business that cannot operate during a flood event and its aftermath. The indemnity period needs to be long enough to cover the full recovery period, including the time to reinstate premises and rebuild customer relationships.

High-Risk Flood Locations

Properties in known flood zones — those that have flooded previously or are within defined flood mapping boundaries — may face higher premiums, higher excesses, or in some cases difficulty obtaining flood cover from standard insurers. WebInsure has access to a broad panel of admitted insurers and specialist underwriters and can identify the best available options for flood-exposed properties and businesses.

About WebInsure

WebInsure Pty Ltd ABN 32 054 247 666 is an Authorised Representative (AR 000271148) of Community Broker Network Pty Ltd ABN 60 096 916 184 AFSL 233750, and a member of the Steadfast Group — Australia’s largest insurance broker network. As a Steadfast member, WebInsure clients benefit from access to a broad panel of admitted insurers and specialist underwriters, competitive pricing through group purchasing arrangements, and the backing of a national network.

WebInsure was founded in 1996 and is part of a group of specialist insurance broking practices that includes Wideland Insurance Brokers (regional and rural Australia), Gold Coast Insurance Brokers, and Ipswich Insurance Brokers. This group structure gives WebInsure clients access to specialist expertise across a wide range of insurance classes and risk profiles.

All WebInsure broking services are provided under CBN AFSL 233750. Our Financial Services Guide is available on request and should be read before engaging WebInsure for insurance advice. Contact WebInsure on 07 5406 1224 or through our online enquiry form at any time.

Contact WebInsure on 07 5406 1224 or enquire online to discuss flood insurance options for your property or business. We identify which insurers on our panel will provide flood cover for your specific location and on what terms — including the flood definitions, excesses and any sub-limits that apply. This review is best done before a flood event, not during or after one.

Flood cover is available for many properties that have flooded previously, though the terms, excesses and premium will reflect the documented flood history. Properties in NRMA or ICA flood mapping zones may have limited insurer options but WebInsure’s access to the Steadfast panel — including some specialist underwriters who write flood-exposed risks — means we can often find solutions where a direct market approach produces a decline. Contact us on 07 5406 1224 to discuss your specific property.

WebInsure also helps businesses and property owners prepare for flood risk before an event occurs — reviewing sums insured, checking business interruption indemnity periods, and identifying whether flood definitions in existing policies are adequate. This pre-renewal review is the most cost-effective flood risk management step available. Call 07 5406 1224 to arrange a policy review.