Inquiry Search
Rec-ID | Code | Recommendation |
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REC322-4227 | 34 - Local knowledge | The Inspector-General Emergency Management recommends the membership of the K’gari Locality Specific Fire Management Group be expanded to include representatives of the Butchulla people, community associations from each township and tourism and business operators with interests on the island. |
REC322-4230 | 34 - Local knowledge | The Inspector-General Emergency Management recommends Queensland Fire and Emergency Services engages with land managers and other stakeholders on K’gari to source data to inform Predictive Services products. |
REC322-4250 | 34 - Local knowledge | The Inspector-General Emergency Management recommends the Locality Specific Fire Management Group for K’gari meet at least twice per year, in person or virtually. |
Rec-ID | Code | Recommendation |
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REC319-4186 | 34 - Local knowledge | Supporting local recovery: The Inspector-General for Emergency Management recommends that the entity referred to in Recommendation 13, or otherwise responsible government department work with councils and communities before, during and after emergencies to strengthen: |
Rec-ID | Code | Recommendation |
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REC318-4183 | 13 - Mapping and data quality | The Inspector-General for Emergency Management recommends that Emergency Management Victoria – in consultation with relevant agencies – develop a system to manage personnel and asset deployments to all tiers of incident management to meet the needs of the emergency and support the health and wellbeing of personnel. Where appropriate and within occupational health and safety requirements, this may include: |
Rec-ID | Code | Recommendation |
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REC307-2437 | 13 - Mapping and data quality | The ability to share, analyse, interrogate and display information from disparate entities should be progressed as a matter of some urgency. |
Rec-ID | Code | Recommendation |
---|---|---|
REC290-1213 | 34 - Local knowledge | Structures to incorporate local knowledge and situational awareness into the fire response |
Rec-ID | Code | Recommendation |
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REC259-1047 | 6 - Insurance and legal liability | That the insurance industry be asked to include in its “Code of Practice” the need to consult policy holders in bushfire prone areas on the issue of Bushfire Attack Level (BAL). This will ensure, to some extent, that policy holders insure their properties to a level commensurate with building costs under a variety of building standards and requirements.(For checking with RFS). |
Rec-ID | Code | Recommendation |
---|---|---|
REC226-0576 | 13 - Mapping and data quality | Better maps are required for urban/rural interface fires |
REC226-0547 | 13 - Mapping and data quality | Fuel loads on private property need to be identified and included in understanding fire behaviour in determine the contribution they make to the burn risk assessment. |
REC226-0561 | 34 - Local knowledge | Suitably experienced local representatives should be engaged to provide advice to the IMT in all Level 2 and Level 3 incidents at the earliest opportunity. |
REC226-0546 | 13 - Mapping and data quality | Maps prepared for prescribed burns should address the fuel type and burn history of the burn area as well as surrounding areas. Predicted rates of spread under prescribed and other conditions should recognise the complexity of coastal heathlands. |
Rec-ID | Code | Recommendation |
---|---|---|
REC203-0293 | 34 - Local knowledge | Suitably experienced personnel with local knowledge should be connected to the Operations and Planning section in all Level 3 incidents in the vicinity of substantial settlements. |
Rec-ID | Code | Recommendation |
---|---|---|
REC196-0234 | 34 - Local knowledge | Ensure that local knowledge, local flavour and local language is used where possible in the development of all community bushfire warnings. |
REC196-0238 | 34 - Local knowledge | Encourage ICCs to use local knowledge to review templates prior to release. |
Rec-ID | Code | Recommendation |
---|---|---|
REC195-0330 | 13 - Mapping and data quality | The Fire Services develop a program that enables all communication mediums, including social media and agency websites, to be monitored in real time to provide quality assurance for outgoing messages and additional sources of information and intelligence relating to an emergency |
Rec-ID | Code | Recommendation |
---|---|---|
REC187-2943 | 6 - Insurance and legal liability | That the Commonwealth Government guarantee payment of claims from the reinsurance pool by ensuring that, whenever a funding shortfall occurs in the pool through claims exceeding the funds held in the pool, the Commonwealth would meet the shortfall. |
REC187-2960 | 6 - Insurance and legal liability | That the Insurance Council of Australia amend the Code of Practice to impose a four month time limit (subject to exceptional circumstances) to make a determination as to liability and the nature of the loss or damage with respect to a claim. That, should a claimant not receive a determination within the four month period, the claim be automatically escalated to an internal dispute resolution complaint and the insurer notify the Code Compliance Committee of the breach of the Code. |
REC187-2927 | 6 - Insurance and legal liability | The levels of the discounts and the phasing out periods be reviewed from time to time. |
REC187-2949 | 6 - Insurance and legal liability | That all home, contents and home unit insurance policies cover the policyholder for storm surge, tsunami and landslide, where the storm surge, tsunami or landslide is the result of another event that is covered under the policy and regardless of whether the insured property directly suffers damage from the underlying insured event. |
REC187-2965 | 6 - Insurance and legal liability | That ASIC conduct a review of the General Insurance Code of Practice three years after the amendments recommended to the Code in this Review are implemented, in order to assess the effectiveness of the Code with a view to determining whether an ASIC Regulatory Guide for claims handling should then be introduced. |
REC187-2932 | 6 - Insurance and legal liability | That all home contents insurance policies include flood cover. |
REC187-2937 | 6 - Insurance and legal liability | That flood premium discounts be delivered through a model that requires insurers to retain and price a portion of the risk with the remainder to be ceded to the reinsurance facility at a discounted reinsurance premium. |
REC187-2954 | 6 - Insurance and legal liability | That subsection 35(2) of the Insurance Contracts Act 1984 be amended so that policyholders are not deemed to be clearly informed of a deviation from ‘standard cover’ by simply being provided a copy of the insurance policy or product disclosure statement. |
REC187-2921 | 6 - Insurance and legal liability | The Commonwealth Government guarantee the payment of claims by ensuring that, whenever a funding shortfall occurs in the reinsurance facility through claims exceeding the funds held in the facility, the Commonwealth would meet the shortfall and the Commonwealth would seek reimbursement of a portion of the shortfall from the State or Territory government in whose jurisdiction the flood occurred. |
REC187-2942 | 6 - Insurance and legal liability | That a flood risk reinsurance facility, or reinsurance pool, be established which would have two primary functions: |
REC187-2959 | 6 - Insurance and legal liability | That every APRA-authorised general insurer adopt and comply with the General Insurance Code of Practice. |
REC187-2926 | 6 - Insurance and legal liability | That flood premium discounts be provided for home building insurance for eligible homes: |
REC187-2948 | 6 - Insurance and legal liability | That: |
REC187-2964 | 6 - Insurance and legal liability | That the Insurance Council of Australia amend the General Insurance Code of Practice such that the General Insurance Code Compliance Committee: |
REC187-2931 | 6 - Insurance and legal liability | That the definition of a home for the purposes of flood cover and flood premium discounts be any building for which a homeowner purchases a home insurance policy. |
REC187-2953 | 6 - Insurance and legal liability | That all home building insurance policies providing sum insured cover be modified by the end of 2014 so as to include replacement value cover in the event of total loss of the home. That during the transition period insurers consider how the design features of home building replacement value policies should respond following a natural disaster, including the conditions under which cash settlements are to be offered and finalised. |
REC187-2920 | 6 - Insurance and legal liability | That a system of premium discounts be introduced in order that most purchasers of home insurance, home contents and home unit insurance policies in areas subject to flood risk be eligible for discounts against the full cost of flood insurance. |
REC187-2936 | 6 - Insurance and legal liability | That the questions of flood cover as standard in small business policies and access to discounted premiums for small business policyholders should be revisited once the recommended arrangements for homes, home units and home contents are in place. |
REC187-2941 | 6 - Insurance and legal liability | That homes at high and extreme risk of flood be provided with discounts initially and that they be assessed regularly for mitigation work already undertaken and the potential for further mitigation. |
REC187-2958 | 6 - Insurance and legal liability | That, in order to give general insurance policyholders the same legal remedies as other consumers, unfair contract terms laws be applied to general insurance. |
REC187-2925 | 6 - Insurance and legal liability | That the following five principles underpin the design of a system of premium discounts: |
REC187-2947 | 6 - Insurance and legal liability | That the Agency charge insurers a small administrative fee for each policy ceded to the reinsurance facility. |
REC187-2963 | 6 - Insurance and legal liability | That the Insurance Council of Australia amend the General Insurance Code of Practice to require that: |
REC187-2930 | 6 - Insurance and legal liability | That flood premium discounts be provided, in the same manner as for homes, to the bodies corporate of eligible properties, and on the same basis as for detached homes. |
REC187-2952 | 6 - Insurance and legal liability | That lending institutions remind mortgagors annually of their obligations to hold home insurance and of the risks of under-insurance in order to minimise non-insurance and under-insurance of homes. |
REC187-2968 | 6 - Insurance and legal liability | That the Government give priority to introducing legislation necessary to ensure that all home, contents and home unit insurance policies include flood cover and to establish a new national agency for flood risk management and flood reinsurance purposes. |
REC187-2919 | 6 - Insurance and legal liability | That all home insurance, home contents and home unit insurance policies include flood cover. |
REC187-2935 | 6 - Insurance and legal liability | That flood premium discounts not be provided to small businesses and that the reinsurance facility not offer reinsurance for small businesses. |
REC187-2940 | 6 - Insurance and legal liability | That for home contents insurance policies, policyholders pay for that portion of the risk retained by the insurer and pay nothing for the remainder of the risk up to $100,000. For contents with a value greater than $100,000 policyholders then pay the full cost of the portion of risk exceeding $100,000. |
REC187-2957 | 6 - Insurance and legal liability | That the Commonwealth Government introduce a standard definition of flood in the form proposed in the ‘Reforming flood insurance: Clearing the waters’ consultation paper. |
REC187-2924 | 6 - Insurance and legal liability | That whenever flood cover is included in home building insurance policies: |
REC187-2945 | 6 - Insurance and legal liability | That to facilitate flood risk information being made publicly available, Commonwealth, State and Territory governments grant indemnities to the providers of flood risk information if the information is obtained and provided in good faith and in the absence of any gross negligence. |
REC187-2962 | 6 - Insurance and legal liability | That the Insurance Council of Australia amend clause 4.5 of the General Insurance Code of Practice to extend the time within which claimants in natural disasters have the right to make further claims or lodge reviews after the finalisation of an initial claim to seven months from the date of the relevant natural disaster, regardless of when the initial claim was finalised. |
REC187-2929 | 6 - Insurance and legal liability | That all home unit insurance policies include flood cover, in the same manner as for homes. |
REC187-2951 | 6 - Insurance and legal liability | That access to insurance be enhanced through the development of alternative payment options, in particular: |
REC187-2967 | 6 - Insurance and legal liability | That the current formula for the cost of rebuilding of State and Territory assets under the Natural Disaster Relief and Recovery Arrangements be changed to expenditure before any insurance recoveries by the State or Territory rather than net of any insurance recoveries. |
REC187-2934 | 6 - Insurance and legal liability | That all insurers offering small business insurance be obliged to include flood cover on an opt-out basis, instead of an opt-in/opt-out basis as at present, in all of their small business package policies. |
REC187-2939 | 6 - Insurance and legal liability | That for body corporate insurance policies receiving full discounts, policyholders pay for that portion of the risk retained by the insurer and pay nothing for the remainder of the risk up to $500,000 times the number of units. For properties with a value greater than $500,000 times the number of units policyholders then pay the full cost of the portion of risk exceeding $500,000 times the number of units. |
REC187-2956 | 6 - Insurance and legal liability | That a ‘health warning’ be provided by insurers to the purchasers of home and contents policies that do not include full flood cover or full replacement cover. The health warning should be provided: |
REC187-2923 | 6 - Insurance and legal liability | That home building and home contents insurance should not be made compulsory. |
REC187-2944 | 6 - Insurance and legal liability | That the Commonwealth seek reimbursement of some portion of the shortfall from the State or Territory government in whose jurisdiction the flood occurred. |
REC187-2961 | 6 - Insurance and legal liability | That the Insurance Council of Australia repeal clauses 4.3 and 4.4 of the General Insurance Code of Practice, so that claims arising from natural disasters are subject to the same minimum standards as other claims — including the four month time limit for a determination on liability and the nature of the loss/damage with respect to the claim. |
REC187-2928 | 6 - Insurance and legal liability | That there be limitations on the size of the discount available to high-value homes. |
REC187-2950 | 6 - Insurance and legal liability | That the Commonwealth engage with the insurance industry and the States and Territories in planning for the future coordination of charitable and government payments to individuals to assist with recovery after future natural disasters. |
REC187-2966 | 6 - Insurance and legal liability | That the Commonwealth and State governments provide funding for legal advice and assistance with insurance disputes following natural disasters. |
REC187-2933 | 6 - Insurance and legal liability | That discounts be provided, in the same manner as for homes, to home contents insurance policies for eligible properties. |
REC187-2938 | 6 - Insurance and legal liability | That for home building insurance policies receiving full discounts, policyholders pay for that portion of the risk retained by the insurer and pay nothing for the remainder of the risk up to $500,000. For properties with a value greater than $500,000 policyholders then pay the full cost of the portion of risk exceeding $500,000. |
REC187-2955 | 6 - Insurance and legal liability | That, in endorsing the Government proposal for a Key Facts Statement, the Key Facts Statement list replacement cover and all natural disaster events, identified as ‘standard cover’ in the Insurance Contracts Regulations 1985. That insurers issue a Key Facts Statement to policy holders with all new policies written and all policy renewals on an annual basis. |
REC187-2922 | 6 - Insurance and legal liability | That all home building insurance policies include flood cover. |
Rec-ID | Code | Recommendation |
---|---|---|
REC172-0027 | 13 - Mapping and data quality | Add an ‘Aviation’ map to the standard set of incident maps. The standard for this map will need to be developed by subject matter experts from the Air Ops group. |
REC172-0038 | 34 - Local knowledge | The ISU should be provided with a person with local knowledge at Level 3 incidents. |
Rec-ID | Code | Recommendation |
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REC104-2217 | 6 - Insurance and legal liability | That CFA, in their education and information packages, encourage appropriate insurance cover, and ensure that insurance becomes a part of the householder’s annual checklist. |
REC104-2191 | 13 - Mapping and data quality | That DSE and CFA, recognising that the Bureau of Meteorology does not routinely store all variables required to produce the calculations and indices necessary for research and planning into fire occurrence and behaviour, develop appropriate systems to ensure that such current and historical information is readily available and accessible. |
REC104-2246 | 34 - Local knowledge | That DSE undertake community consultation on policies relating to roads and access tracks on public land, particularly in respect to fire management. |
REC104-2190 | 13 - Mapping and data quality | That DSE institute additional routine data storage and analysis to supplement current climate records with at least daily 3 pm values for the Grassland and Forest Fire Danger Index, and Keetch-Byram Drought Index, for selected high quality stations representing a cross-section of environments throughout Victoria. |
REC104-2233 | 34 - Local knowledge | That communities, public land managers, Water Authorities and Catchment Management Authorities jointly identify and implement local and environmentally sound solutions to improve the availability of water for firefighting through the Municipal Fire Management Planning process. |
REC104-2320 | 13 - Mapping and data quality | That Government acknowledge the importance of spatial information as a key element of planning, operations and program evaluation, and support the Geospatial Emergency Information Network as a means of ensuring integrated and co-ordinated information management on a whole-ofGovernment basis. |
REC104-2231 | 6 - Insurance and legal liability | That DSE commences discussion with the Victorian WorkCover Authority in respect to employer liability for those staff being released to, and directed, by another agency in fire prevention and suppression activities. |
REC104-2319 | 13 - Mapping and data quality | That all emergency service agencies, CFA and DSE in particular, give greater priority to information management – especially the collection, maintenance and quality control of base data sets necessary for planning, operations and program evaluation. |
REC104-2218 | 6 - Insurance and legal liability | That Government work with the insurance industry to explore options for incentives such as a reduction in premiums for those who take appropriate self-protection measures on their properties, similar to incentives for anti-theft home security |
REC104-2202 | 13 - Mapping and data quality | That DSE and CFA map all unplanned fires greater than four hectares on public and private land in order to further develop an understanding of the risk to rural Victoria from unplanned fires. |