RACT Insurance's top tips to stay safe in a flood

​Being prepared for flooding, one of Tasmania's most disastrous and costly natural hazards can help you reduce the effects of future floods.

​Being prepared for flooding, one of Tasmania's most disastrous and costly natural hazards can help you reduce the effects of future floods.


  • Listen to local news, follow updates on social media, and check SES and weather reports for any potential flood warnings and when a warning is issued follow the advice of local authorities.
  • Secure loose outdoor items, park your vehicle undercover and check your property for any damage that may allow leaks.
  • Ensure that your insurance policy is up-to-date and provides adequate cover. Contact us on 13 27 22 to double-check.


  • Check that family and neighbours are safe and aware of what's happening.
  • If you are at home, keep doors and windows closed, bring your pets inside; place your valuables on the upper floor of your house; remain on the upper floor to wait for instructions from your local authorities.
  • Stay away from swollen streams and rivers as moving waters can sweep you away. Avoid driving through floodwater as puddles can be deeper than you think.
  • In the event of an evacuation, turn off the electricity, gas and water at the mains, take your pets and your emergency kit, and move to friends or family in safer areas. If advised, go to an Evacuation Centre and be sure to let others know where you go.


  • After a flood, only return home when officials have declared it safe to do so. Be aware of road hazards, such as damage and debris.
  • Before entering your home, look outside for any damage (loose power lines, damaged gas lines, foundation cracks, etc.) and approach entrances carefully.
  • Discard any food items or water which may have been in contact with flood waters. Wear protective clothing - such as rubber boots and gloves - during clean-up.
  • Do not turn on your gas and electricity until you are sure it is safe to do so. Have all wiring, gas and electrical equipment tested by an electrician.
  • Contact your insurance company to make a claim.

Planning Ahead

  • Act early and always be prepared for the worst case scenario! Develop a flood emergency plan that takes into account your household's needs, and discuss it with family members ahead of time.
  • Prepare a first-aid kit with important documents, photos, clothing and any other important items should you need to evacuate in a hurry.
  • Maintain your home and its surrounds by cleaning guttering and drain pipes regularly, check your roof for loose tiles or other problems, and trim bushes and trees.
  • Know where your gas, electricity and water mains are in case you need to turn them off.


In the event of damage, RACT members should contact us on 13 27 22. We are here for you 24-hours per day, 7 days a week.

Learn more about RACT Home Insurance.