Bushfires Tasmania

We can prepare for Bushfire, but if one strikes near you, do you know what to do? RACT Insurance answer some frequently asked questions to help guide you through the process should the worst happen.

​​​​​Am I covered for loss or damage caused by a bushfire?

Yes. Fire (including bushfire) damage is covered by our Home Insurance policy as a standard Insured Event.

It’s important to understand though that you won’t be covered for loss or damage caused by fire within the first 48 hours of your policy commencing or any increase of the sum insured for the first 48 hours, unless:

  • You’re renewing or replacing an existing policy and there’s no break in cover.

You can find out more on page 22 of the PDS, or you can log into the Member Hub​ to check your coverage and view your policy documents online.

My home has been damaged by bushfire. What do I do next?

We’re here to help. If your home’s been damaged by a bushfire, you can call our Claims team on 13 27 22.

If the damage is so extensive that you can’t live there anymore, we will pay for reasonable additional accomodation expenses which you actually incur from the time of the damage, while your home is being rebuilt or repaired. You can find out more in the PDS ​or contacting the claims team to arrange.

I am unable to get to my home to see if it is damaged. What do I do next?

You should only attempt to access your property once Emergency services have told you it is safe to do so. During a Bushfire event you should monitor the Tasmanian Fire Service website,local ABC radio and the Tasmania Police website for all updates and important information.

What can i do to protect my home?

Burning material, embers and smoke can travel beyond bushland areas, which is why it is essential to have a Bushfire Survival Plan. Bushfires can be scary and overwhelming so planning in advance and acting early will help you to avoid making last minute decisions that could prove deadly during a bushfire. Preparing your home and property and establishing a Bushfire Survival Plan will help keep your home and family safe.

Preparing your home

The most common way houses catch fire during bushfires is from flying embers. RACT Insurance in conjunction with the Tasmania Fire Service have prepared the following list of actions you can take now to prepare your home against ember attacks:
  • Fit seals around doors and windows to eliminate gaps so that embers have less chance of settling on or inside a house and subsequently setting it on fire
  • Limit the amount of vegetation surrounding your home
  • Cut back trees and shrubs overhanging buildings
  • Keep lawns short and gardens well maintained
  • Clean your gutters of leaves and twigs and install metal gutter guards
  • Repair damaged or missing tiles on the roof

Preparing your family and pets

There are two options when it comes to bushfire safety. You can either choose to leave early well before the bushfire reaches your home, or stay and defend your property. Leaving early is always the safest option. 

As part of your Bushfire Survival Plan, you decide which items you will need to take with you and organise them ​ahead of time. You should also decide where you will go in the event that you need to relocate and discuss what to do with your pets and livestock. It’s important to monitor the weather and know the fire danger alert levels in your area. ​

Fires can break out suddenly and there may be no time for official warnings so be sure to monitor alerts, tune in to ABC local radio stations and follow @TasmaniaFireService on social media for bushfire information and updates.

Bushfire-Ready Neighbourhoods Events

​Tasmania Fire Service, through the award-winning Bushfire-Ready Neighbourhoods program, is facilitating a series of Bushfire-ready events state-wide. Click here to see upcoming events in your area​.​​

​Important Resources

TFS Bushfire Survival Plan.pdf or click here to view online​.

TFS Bushfire Survival Tool​

TFS Emergency Fact Sheet.pdf

​TFS Leave Early Checklist.pdf​​​

TFS Stay and Defend Checklist.pdf

​Tasmania State Emergency Service​