Severe Weather Assistance

If you’ve been affected by severe weather, we’re here to help.

How to make a claim after severe weather

If you've been impacted by severe weather, we recommend lodging your claim online as soon as you can.
If you haven’t claimed online consider reading our simple guide to Apia Online Services.


You’ll get a claim number and email confirmation as soon as your claim is lodged.

Make a claim

Over the phone

If you’d prefer to speak to someone to lodge your claim, you can give us a call 24/7 except on some national public holidays. Please keep in mind contact centre delays are common during periods following extreme weather.

Call 13 50 50 to make a claim

For all other enquiries visit our Contact page.

Available support

There are a variety of services Apia, the Government and the community can provide to help you recover after severe weather. 

Ways we can help 


Emergency support

We may be able to assist with temporary accommodation and emergency repairs for affected home insurance customers.


Apia in-person claims support

Our customer support teams are on the ground in heavily impacted locations to help with claims in person.

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Customers in need of extra help and support

We’re here to help you access extra support and services when it matters most.

Prepare for weather events

If you’re looking to prepare for or have been impacted by a weather event, find valuable tips
on our dedicated weather event pages.

Claim preparation tips

When you’re preparing for a claim, providing as much info as possible can make claiming easier. 

Take photos

Photos of the damaged area can help us assess your claim - but you can still lodge without them.

Gather supporting documents

If you can safely access them, things like receipts and valuation reports can also help.

Check your coverage

Knowing what your policy covers can help you better understand what you can claim for.

Australian Pensioners Insurance Agency Pty Limited ABN 14 099 650 996 is an authorised representative of AAI Limited ABN 48 005 297 807, the product issuer. Limits, conditions and exclusions apply. Read the Product Disclosure Statement (PDS) before buying this insurance. The Target Market Determination is also available. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it. 

^Apia's Online Services are not available, or not fully available, for all of Apia branded products, policy types or claim types. See Apia's Online Terms for further information

*Actions or movements of the sea and storm surge are not covered (unless the storm surge damage occurs at the same time as damage caused by storm). We also don't insure you for bushfire, storm, storm surge, flood or tsunami for the first 72 hours of your policy. Very limited exceptions apply. Read to the PDS for more detail.