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Cyclone preparation checklist

Cyclone preparation checklist

Australia has experienced many devastating cyclones over the years, with destructive winds causing extensive property damage. Being prepared well in advance can go a long way to help protect your home during a tropical cyclone. 

Preparing your home

While we can’t control the weather, there are things you can do to help reduce potential damage.

  • Check your home is built to cyclone standards with your local council
  • Secure loose roof tiles and guttering
  • Trim trees and branches near your home
  • Make sure all shutters and metal screens are secure
  • Clear loose material around your home such as ladders, lawnmowers, bikes and children’s toys
  • Prepare an Essential Emergency Kit.

When a cyclone warning is issued:

  • Listen to your local radio for updates and instructions
  • Wear protective clothing and make sure you re-check around your home for loose material
  • Get your emergency kit and ensure everyone knows where the strongest part of the home is
  • If instructed by officials, you may need to collect your children from school
  • Make sure you bring in pets from outside
  • Turn off electricity and gas at the mains
  • Advise neighbours of the cyclone warning
  • Fill baths, sinks and buckets with water
  • Close windows and doors securely.

During a severe tropical cyclone

Find the best shelter, such as a stairwell or a room with walls reinforced with pipes on the lowest floor of the building. Stay clear of windows and glass doors. Listen to the local radio for alerts of high winds or a tornado and disconnect all appliances.

If the building starts to break up, protect yourself with a rug, blanket, mattress or shelter under a bench or table.

If you’re outside, find cover away from the wind and protect your head. If you’re inside a vehicle, keep your face away from windows and make sure you have the hand brake on. You should also park away from trees and power lines.

If you need to evacuate

  • Make sure you act immediately and find a public shelter that is inland or on higher ground.  Lock doors and windows on the way out
  • Wear protective clothing and strong footwear
  • Take your emergency kit with you
  • If you can’t take your pets, make sure they’re in a safe place inside the property with food and water (don’t tie them up).

After the cyclone

Always wait for the all clear from emergency services and don’t assume the danger has passed – as you may in fact be in the eye of a tropical cyclone. If you have evacuated your property, don’t return until you have an official all clear.

When returning to your home:

  • Check for any gas leaks
  • Don’t use any electrical equipment if wet
  • Boil or purify water with tablets and check with authorities if water has been declared safe
  • Stay clear of damaged power lines, trees and floodwater.

Check your insurance

Make sure your home and contents insurance is up-to-date and the sum insured amount is enough to cover natural disasters. And make sure you have your insurer’s details in your emergency kit, so you can contact them in a hurry if you need to.



Important information

Cover is subject to your application for insurance being accepted.

Product Disclosure Statements (PDS)

Home and Contents Insurance Product Disclosure Statement (PDF 1MB) (applicable to policies issued on or after 12 December 2021 or renewed on or after 22 November 2021)

For the standard terms, conditions and exclusions about our Home & Landlord Insurance, please refer to the relevant Product Disclosure Statement (PDS) and any supplementary PDS (if applicable). To see some of the events covered and not covered, please refer to our Key Fact Sheets (KFS).

Home and Contents Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). St.George - a Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 (the Bank) arranges the insurance under a distribution agreement with Allianz Insurance, but does not guarantee the insurance. This information does not take into account your personal circumstances. Before making a decision, please consider the relevant Product Disclosure Statement. For more information call 13 33 30.

If you take out Home and Contents Insurance with Allianz the Bank will receive a commission of up to 12% of the premium (exclusive of GST).

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