Red wind warnings: Insurance tips for emergency repairs and damage

With red wind warnings in force across much of the country today, the IFSO Scheme is urging people to prioritise safety first and take the right steps for their insurance in the hours and days ahead. 

Media release 23 October 2025

With red wind warnings in force across much of the country today, the Insurance & Financial Services Ombudsman Scheme (IFSO Scheme) is urging homeowners, renters, and vehicle owners to prioritise safety first and take the right steps for their insurance in the hours and days ahead.

“High winds can create chaos very quickly — from smashed windows and damaged roofs to fallen trees and power surges,” says Karen Stevens, Insurance & Financial Services Ombudsman. 

“When it’s safe, and only when it’s safe, it’s important to take sensible make‑safe steps to prevent further loss. It’s also important to document all damage, and talk to your insurer early so your claim gets off to a smooth start,” she says. 

Stevens shares the following advice for those impacted by the severe weather:

  1. Put safety first
    Stay clear of damaged structures, fallen lines, and unstable trees. Don’t climb on roofs in high winds. 
  2. Contact your insurer early
    Log your claim as soon as you can and ask what evidence they need from you, and what the next steps are. Get a claim/reference number and keep it handy.
  3. Do “make‑safe” repairs — and no more without approval
    You’re generally expected to take essential steps to prevent further loss, for example, tarping a roof, boarding up broken windows, or switching off damaged circuits. However, it’s important to only do these things if it’s safe to do so. And if it’s not an emergency make‑safe repair, don’t go ahead without insurer approval. 
  4. Photograph and list everything
    Take clear photos and videos of the damage. Keep copies of all quotes and invoices. 
  5. Vehicles and fallen trees
    If your car is damaged by flying debris or a fallen tree, this may seem obvious, but don’t drive it if it’s unsafe. Photograph the damage and contact your insurer for tow/repair guidance.
  6. Power surges and appliances
    Photograph damaged appliances and check if your policy includes surge cover or specific conditions.

Acting early, keeping good records, and staying in close contact with your insurer will reduce delays and disputes, says Stevens. 

“If in doubt, ask — there are no silly questions when you’re trying to understand your policy and what you should do next.”

The IFSO Scheme resolves complaints about insurance and financial services, and is independent, fair, and free for consumers.

ENDS