Extreme Weather Events in QLD: Insurance and Other Considerations for Strata Communities

As we approach summer in Queensland, the anticipation of extreme weather events looms large. The Sunshine State is no stranger to nature’s fury, experiencing an increase in the frequency of extreme weather events such as bushfires, cyclones, and heatwaves. These events necessitate a more profound focus on insurance concerns and preparedness for strata communities. This article aims to provide valuable insights into the considerations Queensland strata communities should take to ensure the safety and resilience of their properties in the face of these rising threats.


Understanding the Increasing Frequency of Extreme Weather Events

Queensland has witnessed a disturbing trend of rising extreme weather events. Bushfires have become more frequent and intense, cyclones are more common, and heatwaves are lasting longer. Understanding this trend is the first step toward realising the importance of preparedness.

Review and Update Insurance Policies

The increasing frequency of extreme weather events in Queensland underscores the critical importance of insurance. Review your strata community’s insurance policies regularly and ensure they are comprehensive enough to cover the evolving risks. Consult with insurance experts who specialise in extreme weather events to guarantee adequate coverage.

Document Property Condition and Valuation

Accurate documentation is crucial. Take photographs and videos to record the current condition of your property and its contents. This documentation will serve as essential evidence when making an insurance claim. Furthermore, consider obtaining a professional property valuation to ensure your insurance coverage reflects the property’s actual value.

Evacuation and Emergency Plans

Create comprehensive emergency plans that specifically address the rising risk of extreme weather events. Develop evacuation procedures, establish emergency contact information, and secure essential supplies like first aid kits and emergency power sources. Conduct drills to practice evacuation procedures and ensure residents are familiar with the emergency plan.

Fire Safety Measures

It’s imperative to implement robust fire safety measures especially for communities located in areas prone to bushfires. Create defensible spaces around the property, maintain vegetation, and use fire-resistant building materials. Educate residents on fire safety and establish a clear evacuation plan for fire-related emergencies.

Structural Resilience

Extreme weather events can pose significant structural risks. Ensure that your building structure adheres to cyclone and bushfire building codes in Queensland. Regular inspections and maintenance can help identify vulnerabilities and minimise potential damage.

Sustainable Landscaping and Water Management


Efficient water management is vital in a region where extreme weather events can lead to floods and water-related issues. Implement sustainable landscaping practices to reduce water usage and prevent flooding. Maintain proper drainage systems to mitigate flood risks and educate residents on responsible water usage.

Energy Resilience

Power outages are common during extreme weather events. Invest in backup power sources like generators or solar energy systems to keep essential facilities operational during outages. This is crucial for maintaining the safety and well-being of residents during challenging times.

Community Education and Awareness

Organise regular training sessions and workshops to educate residents about the specific risks and safety measures associated with Queensland’s increasing frequency of extreme weather events. Awareness and preparedness are key to minimising the impact of these events.

As the frequency of extreme weather events continues to rise in Queensland, strata communities must take proactive steps to protect their properties and residents. A crucial aspect of this preparedness is insurance coverage that adequately addresses the growing risks. By reviewing and updating insurance policies, documenting property conditions, and embracing safety measures, strata communities can ensure their resilience and safeguard residents against the unpredictable forces of nature. Stay vigilant, stay insured, and stay prepared!

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