Windstorm Insurance Australia: 2025 Guide for Homeowners

Australia’s weather has never been for the faint-hearted, but in 2025, the stakes are higher than ever. Severe windstorms, once rare, are now a regular fixture in many regions. The rising threat has thrust windstorm insurance from a nice-to-have to a non-negotiable for many homeowners and businesses. But what exactly does this coverage entail, and how can Australians ensure they’re properly protected?

Why Windstorm Insurance is Now Essential

In recent years, Australia has faced a sharp uptick in damaging storms. The Bureau of Meteorology reports that the 2024-25 storm season saw record-breaking wind events along the east coast, with gusts exceeding 120 km/h causing widespread property damage from Brisbane to Sydney. Factors driving this include:

• Climate Change: Warmer oceans and shifting weather patterns are fuelling stronger, more frequent windstorms.
• Urban Expansion: New developments in coastal and exposed areas are at greater risk.
• Building Age: Many Australian homes, especially those built before the 2000s, lack modern wind-resilient construction standards.

These trends have prompted insurers to reassess risk and update policies across much of the country.

What Windstorm Insurance Covers (and What It Doesn’t)

Windstorm insurance is typically included as part of a standard home and contents policy in Australia, but the fine print varies. Key coverage areas:

• Structural Damage: Repairs to roofs, walls, windows, fences, and garages damaged by high winds.
• Contents: Replacement or repair of belongings lost or ruined due to storm entry (e.g., water damage after windows break).
• Temporary Accommodation: Costs if your home is uninhabitable while repairs are made.

However, exclusions are common. Many policies do not cover:

• Damage from gradual deterioration (e.g., old, unmaintained roofs)
• Flooding that occurs separately from windstorm impact (unless you have specific flood cover)
• Damage to outdoor items not secured properly (e.g., trampolines, furniture)

In 2025, insurers are taking a closer look at building maintenance and risk mitigation. Some are offering premium discounts for homes with cyclone-rated roofs, storm shutters, or other resilience upgrades. After the Insurance Council of Australia’s 2024 review, several major insurers now require proof of roof condition for properties in high-risk postcodes.

2025 Policy Changes and What Homeowners Should Do

With the cost of natural disaster claims rising, insurers have made notable updates in 2025:

• Higher Excesses: In windstorm-prone areas like Far North Queensland and parts of NSW, standard excesses on wind-related claims have increased by 15-25%.
• Stricter Assessments: Insurers are sending more assessors to inspect older properties before renewing windstorm coverage.
• Coverage Caps: Some policies now have sub-limits for certain types of windstorm damage, especially for outbuildings and fences.

To make sure you’re protected, take these practical steps:

• Review Your Policy: Double-check coverage limits, excesses, and exclusions for windstorm events.
• Upgrade Where Possible: Consider roof tie-downs, storm shutters, and regular maintenance to reduce risk (and possibly your premium).
• Document Your Property: Take photos and keep receipts for upgrades—these can speed up claims and prove your home’s resilience.
• Stay Alert: Sign up for weather alerts and have an emergency plan ready for severe wind events.

Real-life example: After the March 2025 Sydney supercell, one Newcastle family saw their insurer reject a $45,000 claim because their aging tile roof had not been properly maintained—a tough lesson on the importance of both coverage and upkeep.

What to Expect When Making a Windstorm Claim

In the aftermath of a storm, quick action is critical. Here’s what insurers typically expect in 2025:

• Report damage as soon as it’s safe—delays can complicate claims
• Document everything with photos and videos before starting clean-up
• Keep receipts for emergency repairs and accommodation
• Work with assessors and builders approved by your insurer

Insurers are under pressure from the Australian Prudential Regulation Authority (APRA) to streamline claims after criticism during the 2022-23 flood disasters. Most are now aiming for initial claim assessments within 48 hours for storm events, with digital lodgement and virtual inspections speeding up the process.