Customers sometimes express their uncertainty as to whether their policy adequately covers the event of a 'flood' and what actually defines a flood. The reality is that all policies are different and it is important to select the right policy to suit your requirements. Please always read the Product Disclaimer Statement when purchasing a policy.

The Federal Government's legal definition of flood is 'the covering of normally dry land by water that has escaped or been released from the normal confines of any lake, river, creek or other natural watercourse, whether or not altered or modified; or any reservoir, canal or dam.'

A Flood does not mean:

  • Heavy downpours of rain (unless they actually cause a 'flood')
  • Sea or ocean movements (such as storm surges, high tides or wave action)
  • Tsunamis (which may be covered as 'earthquakes')

  • Call the friendly team at Orchard Insurance Brokers or drop into our office at Maroochydore on the Sunshine Coast, to discuss a suitable Flood Cover Insurance policy for your needs.