For rural properties, fire season is one of the most important times to review your insurance.
Conditions can change quickly, and once the season is underway, it can be too late to make adjustments.
Ideally, this review should happen in the lead-up (around October) to give enough time to assess your cover properly and make any necessary changes.
Here’s a simple checklist to work through:
1. Review your sums insured
Are your buildings, machinery, and contents insured for their current replacement value?
2. Check your policy wording
Make sure you understand what is and isn’t covered, particularly around fire-related events.
3. Consider business interruption
If your operations were disrupted, how long could you sustain that financially?
4. Update any changes
Have you added new equipment, expanded operations, or changed how your property is used?
5. Think beyond the obvious risks
Fire is a major concern, but it often comes with flow-on impacts – power loss, supply chain disruption, or access issues.
Taking the time to review your insurance before the season starts can make a significant difference if the worst happens.
Because when it comes to fire, preparation isn’t just about prevention:
it’s also about recovery.