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Fluid Edge Themes

December 2024

No homeowner wants to receive a letter or email with the subject line ‘home insurance claim rejected’.

But it is a very common experience, judging by the number of complaints to the Australian Financial Complaints Authority (AFCA). Chief Ombudsman David Locke said complaints about general insurance, including home and car insurance, were at a record high for the second year running in 2023-2024.

Has your home been damaged in a storm or fire? Perhaps someone has broken in and stolen jewellery and other valuable items? You need to know where to get the best home insurance claim help.

The logical place to start, of course, is with your insurer. But before you ring them, dig out your insurance policy and check your product disclosure statement (PDS) and the policy schedule (PS). This should detail exactly what you are covered for and will help prepare you for any questions the insurer might ask.