Inquiry Search
Rec-ID | Code | Recommendation |
---|---|---|
REC325-4337 | 8 - Communications and warnings | The Inspector-General of Emergency Management recommends Queensland Fire and Emergency Services lead an urgent multi-agency (including but not limited to the Queensland Police Service and Brisbane City Council) review of the workflow, of the current Emergency Alert system, including requesting, composing, authorising and issuing of Emergency Alerts by 1 November 2022. |
REC325-4332 | 8 - Communications and warnings | The Inspector-General of Emergency Management recommends that all local governments that do not have pre-formatted messages and polygons engage with Queensland Fire and Emergency Services and determine whether their local disaster management group capability could be improved through the development of pre-formatted polygons and messages. |
REC325-4334 | 32 - Doctrine, standards, and reform | The Inspector-General of Emergency Management recommends Queensland Fire and Emergency Services develop and publish an operationally based quick reference guide that complements the training offered (as per Recommendation 5) by 1 November 2022. The guide will identify key and critical aspects of the Emergency Alert system in relation to the development, composition, request for and authorising of Emergency Alerts and will include a template and an example of ‘good’ messaging using concise, minimal language and Clear Explicit Translatable Language (CETL). |
REC325-4332 | 8 - Communications and warnings | The Inspector-General of Emergency Management recommends that all local governments that currently use pre-formatted messages within the Emergency Alert system review and, where necessary, redraft messages using the principles of Clear Explicit Translatable Language (CETL). |
REC325-4324 | 32 - Doctrine, standards, and reform | The Inspector-General of Emergency Management recommends Queensland Fire and Emergency Services review the tasking protocols used to manage State Emergency Service (SES) tasks undertaken in the response phase of a disaster to enable more complete recording of details for all ‘jobs of opportunity’ (including the personal details of those assisted and/or rescued) to enable better coordination of tasks and reflect outcomes of activities by 1 November 2023. |
REC325-4335 | 16 - Training and behaviour | The Inspector-General of Emergency Management recommends Queensland Fire and Emergency Services update and deliver training on the workflow reviewed (as per Recommendation 3) of the current Emergency Alert system to all persons responsible at a local, district and state level by 1 November 2022. Training should address system constraints and system complexities in addition to the process of requesting, composing (including Clear Explicit Translatable Language [CETL]), authorising and issuing Emergency Alerts. |
REC325-4325 | 32 - Doctrine, standards, and reform | The Inspector-General of Emergency Management recommends Queensland Fire and Emergency Services review and implement State Emergency Service (SES) protocol by 1 November 2023 outlining procedures to be undertaken to ensure persons uplifted from places of immediate danger or risk are transferred to a place of safety. |
REC325-4336 | 8 - Communications and warnings | The Inspector-General of Emergency Management recommends Queensland Fire and Emergency Services, in consultation with the Queensland Police Service, incorporate into the workflow of the current Emergency Alert system a process that ensures the inclusion of an ‘urgent approval and distribution without delay’ process for Emergency Alert messages by 1 November 2022. |
REC325-4329 | 8 - Communications and warnings | The Inspector-General of Emergency Management recommends Queensland Fire and Emergency Services implement the Australian Warning System for all nationally agreed hazards by 1 November 2023. Implementation should include guidance and training to all local governments and agencies operationally involved in disaster management, with emphasis on those agencies with hazard specific responsibility. |
Rec-ID | Code | Recommendation |
---|---|---|
REC322-4233 | 32 - Doctrine, standards, and reform | The Inspector-General Emergency Management recommends Queensland Fire and Emergency Services and the Department of Environment and Science review the current description of Level 1, 2, and 3 bushfire incidents and the implied meaning of property in the Queensland Bushfire Plan. This review should identify and agree on clear criteria and decision points for the transfer of control and develop a standard process and templates. |
REC322-4244 | 16 - Training and behaviour | The Inspector-General Emergency Management recommends the Department of Environment and Science review its training framework and minimum mandatory training requirements for Queensland Parks and Wildlife Service Incident Controllers to ensure they are appropriately trained to manage significant events. |
REC322-4234 | 32 - Doctrine, standards, and reform | The Inspector-General Emergency Management recommends the Department of Environment and Science review its suite of operational doctrine to ensure arrangements for situational reporting and requests for assistance are aligned to recognised multi-agency practices used in disaster management. |
REC322-4225 | 8 - Communications and warnings | The Inspector-General Emergency Management recommends the Maryborough District Disaster Management Group works with the Fraser Coast Local Disaster Management Group to prepare and exercise a communications sub-plan with all responsible agencies, to clarify the roles, responsibilities and communication channels used for restricting access to K’gari. |
REC322-4247 | 32 - Doctrine, standards, and reform | The Inspector-General Emergency Management recommends a collaborative review of firelines, tracks and trails on K’gari be undertaken by the Department of Environment and Science, in collaboration with the Locality Specific Area Fire Management Group and the Butchulla people, to ensure an adequate network is agreed by relevant stakeholders, and roles and responsibilities for maintenance are agreed and documented. |
REC322-4236 | 32 - Doctrine, standards, and reform | The Inspector-General Emergency Management recommends the arrangements and requirements for situational reporting when an incident is under the control of the Department of Environment and Science be detailed in the Queensland Bushfire Plan. These arrangements should also be outlined in relevant joint entity agreements and operational doctrine. |
REC322-4228 | 8 - Communications and warnings | The Inspector-General Emergency Management recommends a public information resource be developed by Queensland Fire and Emergency Services to inform the community and stakeholders about aerial assets utilised in bushfire response. |
REC322-4237 | 32 - Doctrine, standards, and reform | The Inspector-General Emergency Management recommends the Department of Environment and Science develop and implement a Wildfire Response Plan for Queensland Parks and Wildlife Service Coastal and Islands Region, to be included in the region’s Disaster Management Operations Plan. |
REC322-4229 | 16 - Training and behaviour | The Inspector-General Emergency Management recommends Queensland Fire and Emergency Services identifies stakeholders that would benefit from predictive service products. Suitable advice and training should be provided to these stakeholders to assist with using and interpreting the products. |
REC322-4238 | 32 - Doctrine, standards, and reform | The Inspector-General Emergency Management recommends the Department of Environment and Science ensure that all Queensland Parks and Wildlife Service regions develop a Disaster Management Operations Plan based on a standardised format. The plans should include provision for annual review to ensure they remain contemporary, interoperable with relevant disaster management plans and aligned to the Department of Environment and Science Emergency Management Plan. |
REC322-4231 | 8 - Communications and warnings | The Inspector-General Emergency Management recommends Queensland Fire and Emergency Services examines the use of predictive service capability to inform prevention and preparedness in addition to response activities. |
REC322-4241 | 32 - Doctrine, standards, and reform | The Inspector-General Emergency Management recommends Queensland Fire and Emergency Services consider expanding specialist Remote Area Firefighting Team capability to assist in responding to significant bushfire events which occur in rugged or inaccessible terrain. |
Rec-ID | Code | Recommendation |
---|---|---|
REC309-2474 | 16 - Training and behaviour | The provision of system-wide tools, education, guidance and testing for requests for assistance is strengthened to enhance understanding and outcomes. |
REC309-2469 | 12 - EM agency and authority | Entities with disaster management responsibilities need to integrate the eight priorities identified within the Emergency Management Sector Adaptation Plan for Climate Change into their disaster management planning cycle. |
Rec-ID | Code | Recommendation |
---|---|---|
REC308-2463 | 6 - Insurance and legal liability | Principles, applicable to all tourist budgets, covering liabilities for costs and shelter in the event of evacuation should be developed and promulgated as part of tourism marketing. |
REC308-2457 | 8 - Communications and warnings | Efforts are made to improve the timeliness, accuracy and targeting of Emergency Alert messaging by: |
REC308-2455 | 32 - Doctrine, standards, and reform | The Queensland Offers of Assistance Policy, particularly for corporate donations, should be updated and exercised prior to the next season. |
REC308-2453 | 32 - Doctrine, standards, and reform | Business continuity planning should feature permanently in disaster management doctrine. |
REC308-2465 | 29 - Operational Health and Safety | Fatigue management strategies and guidance should be improved to ensure sustainable staffing practices are incorporated into disaster management planning. |
REC308-2464 | 16 - Training and behaviour | The provision of system-wide education, guidance and testing to enhance requests for Assistance is strengthened. |
Rec-ID | Code | Recommendation |
---|---|---|
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. |
REC307-2443 | 32 - Doctrine, standards, and reform | Planning for response to bushfire risk should identify all stakeholders to be engaged in the response phase and their roles and responsibilities should be clearly documented. |
REC307-2435 | 16 - Training and behaviour | Building capacity in fire simulation and predictive capabilities, including the capability of people to read and interpret these products through training, should be investigated and considered. |
REC307-2442 | 32 - Doctrine, standards, and reform | Hazard-specific plans and guidelines should be published on external websites for access by relevant stakeholders. |
REC307-2434 | 32 - Doctrine, standards, and reform | Given an increasing risk of intense fires, the framework of legislation relating to vegetation management, bushfire mitigation and preparation priorities should be re-assessed. The re-assessment should aim to enable more appropriate and flexible means at the local level for the reduction of intense fires. |
REC307-2441 | 32 - Doctrine, standards, and reform | Hazard-specific and disaster management guidelines and plans should explain the circumstances and process for hazard-specific activation of the disaster management arrangements in support of an incident. They should be relevant to local authorities and local and district groups, and used during events. |
REC307-2432 | 32 - Doctrine, standards, and reform | Legislation at state and local level requiring landholders to reduce fire risk on their property should be actively applied |
REC307-2440 | 8 - Communications and warnings | Communications protocols about hazard-specific events should be developed to clarify responsibilities and the principles for the release of information and warnings. They should be included in all related hazard-specific plans and published on relevant websites, and used during events. |
REC307-2427 | 32 - Doctrine, standards, and reform | Wherever possible, the antecedents that will lead to catastrophic fire weather conditions existing for a particular area should be identified and documented within fire management plan relevant to the area. |
REC307-2438 | 8 - Communications and warnings | The national messages for catastrophic fire danger ratings should be integrated with all existing and new community bushfire safety information. |
REC307-2445 | 16 - Training and behaviour | All agencies should identify the capacity and appropriate positions for the role of liaison officers, and ensure sufficient numbers are trained. |
REC307-2426 | 32 - Doctrine, standards, and reform | Queensland's plans and arrangements for heatwave should be reviewed to provide for an intergrated multi-agency approach to their management. A single agency should lead and oversee this process. |
Rec-ID | Code | Recommendation |
---|---|---|
REC304-2410 | 12 - EM agency and authority | Authorise Bushfires NT to establish volunteer bushfire brigades and to give authority to volunteer firefighters to take part in fire suppression and mitigation operations. |
REC304-2414 | 12 - EM agency and authority | Clarify and streamline the allocation of powers to Bushfires NT staff and volunteers involved in bushfire management operations, using a system of delegation through a chain of command similar to the arrangements described in the NT Fire and Emergency Act. |
REC304-2421 | 32 - Doctrine, standards, and reform | Include a detailed description of the role, responsibility and accountability of |
REC304-2409 | 32 - Doctrine, standards, and reform | Formalise and clearly define the powers and duties of Bushfires NT personnel, including volunteers, thereby clarifying Bushfires NT’s role in bushfire management in the Northern Territory. |
REC304-2414 | 12 - EM agency and authority | Clarify and streamline the allocation of powers to Bushfires NT staff and volunteers involved in bushfire management operations, using a system of delegation through a chain of command similar to the arrangements described in the NT Fire and Emergency Act. |
REC304-2420 | 32 - Doctrine, standards, and reform | Enshrine the broader fire management principles, including coordination, strategic planning, mitigation, monitoring and control within the Act. |
REC304-2408 | 32 - Doctrine, standards, and reform | Introduce clear Terms of Reference for the Bushfires Council and Regional Bushfires Committees, and introduce a requirement for the Minister to consider advice and recommendations from the Council. |
REC304-2413 | 12 - EM agency and authority | Authorise the Director of Bushfires NT to intervene in volunteer brigade affairs where necessary to maintain an effective fire management capacity in a brigade area. |
REC304-2418 | 32 - Doctrine, standards, and reform | Amend the object to provide for ‘The mitigation, management, and suppression of bushfires’. Definitions of these terms should be included in the Act, and should include clarification that bushfire suppression can include emergency response activities in certain circumstances |
REC304-2406 | 12 - EM agency and authority | Retain the Regional Bushfires Committees as regional planning and consultative bodies tasked with monitoring, reviewing and making recommendations on fire management in a Fire Control Region. |
REC304-2412 | 12 - EM agency and authority | Maintain independence of volunteer brigades as community-based organisations and clarify the status and role of volunteers within the chain of command. |
REC304-2417 | 32 - Doctrine, standards, and reform | Amend the Act title to ‘Bushfires Management Act’. |
REC304-2411 | 12 - EM agency and authority | Create new seasonal paid positions to coordinate and support groups of volunteer brigades. |
REC304-2415 | 32 - Doctrine, standards, and reform | Define formal bushfire management regimes for areas with different bushfire management requirements and define bushfire management responsibilities in those areas. One category will provide for areas that warrant provision of a wildfire response capacity, another will allow for the declaration of temporary fire management arrangements for the duration of identified high-risk circumstances. |
Rec-ID | Code | Recommendation |
---|---|---|
REC233-1603 | 8 - Communications and warnings | Department of Broadband, Communications and the Digital Economy (DBCDE) to work with the Triple Zero Awareness Work Group through Australian Communications and Media Authority's (ACMA) Emergency Service Advisory Committee to review Triple Zero awareness messages with regard to telecommunications outages. |
REC233-1592 | 8 - Communications and warnings | Department of Broadband, Communications and the Digital Economy will work with the Communications Sector Group within the Trusted Information Sharing Network to develop best practice guidance for owners of critical communications infrastructure regarding public messaging during a prolonged telecommunications outage covering: |
REC233-1604 | 8 - Communications and warnings | Governments and other stakeholders consider reviewing their existing emergency management arrangements to ensure public communications are clear and the public is kept informed of the incident response. |
Rec-ID | Code | Recommendation |
---|---|---|
REC209-1649 | 12 - EM agency and authority | Regular rotation of staff across other regions of the Territory to increase knowledge, skills and expertise that can be called upon to increase response effectiveness. |
REC209-1662 | 37 - Funding | Identify where Australian Government funding is available and apply for funding for integrating weed management, controlled burning, bushfire management and carbon farming initiatives. |
REC209-1638 | 40 - Equipment and consumables | The Assets and Equipment Register be reviewed prior to each fire season. |
REC209-1670 | 32 - Doctrine, standards, and reform | Bushfires NT create a bushfire management strategy and emergency response procedures framework including the criteria that define the escalation and response requirements for all incidents up to and including the establishment of an EOC, applicable for all regions across the Territory. |
REC209-1648 | 16 - Training and behaviour | Recruitment strategies, be developed, including “growing their own”, that result in the appointment and retention of skilled people to the vacant Bushfires NT positions. The vacant senior position in Alice Springs should be immediately advertised as a permanent position at the appropriate level to attract skilled applicants. |
REC209-1659 | 32 - Doctrine, standards, and reform | Regional Fire Management Plans be reviewed for all regions prior to the start of each fire season. |
REC209-1637 | 40 - Equipment and consumables | Implement maintenance schedules for all common assets and shared equipment. |
REC209-1668 | 12 - EM agency and authority | Maintain DNRETAS as the lead agency for all aspects of Bushfires NT’s role and maintain Bushfires NT as the lead organisation for both fire prevention and fire fighting operations in its specified districts and zones. |
REC209-1642 | 37 - Funding | That a cost benefit analysis of an integrated ICT desktop and portable capability including iPads and iPhones for all operational personnel be conducted. |
REC209-1658 | 8 - Communications and warnings | Continue the use of Warnings and Alerts, in various languages, and through multiple broadcast media, including Indigenous language versions to engage with all people as to the risks of bushfire. |
REC209-1636 | 40 - Equipment and consumables | Update the Asset and Equipment Register for all assets and equipment. |
REC209-1665 | 12 - EM agency and authority | Develop a long term forecast of volunteer requirements, by region, and then review the adequacy of volunteer operational grants, equipment and facilities to meet this forecast. |
REC209-1641 | 16 - Training and behaviour | Knowledge and skills in AIIMS and WebEOC and incident management are further developed through regular scenario planning and incident management simulation exercise. |
REC209-1652 | 16 - Training and behaviour | Increase the capacity and capability of the Alice Springs Regional Committee. |
REC209-1635 | 40 - Equipment and consumables | Conduct a stocktake of all assets and equipment in all regions for Bushfires NT and Volunteer Brigades. |
REC209-1664 | 12 - EM agency and authority | Review Bushfires NT brigade boundaries to increase the catchment for possible volunteers and maximise the availability and allocation of equipment. |
REC209-1640 | 40 - Equipment and consumables | Conduct a stocktake of all PPE and implement a top up program to bring all PPE to a fully operational standard. |
REC209-1678 | 32 - Doctrine, standards, and reform | That the Bushfires Act and Regulations be reviewed and modernised after the implementation of the recommendations of this review. |
REC209-1650 | 16 - Training and behaviour | Secondment of expertise in fire management planning and fire control from other jurisdictions, in a training capacity, be investigated in preparation for the 2012 fire season. |
REC209-1663 | 12 - EM agency and authority | Review Bushfires CRC initiatives as the basis for the implementation of a recruitment drive in the Territory. |
REC209-1639 | 40 - Equipment and consumables | An equipment replacement schedule for all Bushfires NT equipment be developed. |
REC209-1677 | 37 - Funding | A specialist investigation be conducted, using expertise from NT Treasury, to identify more appropriate ways to optimise the use of available funding for bushfire management. |
Rec-ID | Code | Recommendation |
---|---|---|
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. |
REC187-2953 | 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. |
REC187-2925 | 6 - Insurance and legal liability | That the following five principles underpin the design of a system of premium discounts: |
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. |
REC187-2930 | 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. |
REC187-2947 | 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: |
REC187-2968 | 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. |
REC187-2952 | 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. |
REC187-2924 | 6 - Insurance and legal liability | That whenever flood cover is included in home building insurance policies: |
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. |
REC187-2929 | 6 - Insurance and legal liability | That all home unit insurance policies include flood cover, in the same manner as for homes. |
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. |
REC187-2967 | 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. |
REC187-2951 | 6 - Insurance and legal liability | That access to insurance be enhanced through the development of alternative payment options, in particular: |
REC187-2923 | 6 - Insurance and legal liability | That home building and home contents insurance should not be made compulsory. |
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: |
REC187-2928 | 6 - Insurance and legal liability | That there be limitations on the size of the discount available to high-value homes. |
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. |
REC187-2933 | 6 - Insurance and legal liability | That discounts be provided, in the same manner as for homes, to home contents insurance policies for eligible properties. |
REC187-2950 | 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. |
REC187-2922 | 6 - Insurance and legal liability | That all home building insurance policies include flood cover. |
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. |
REC187-2927 | 6 - Insurance and legal liability | The levels of the discounts and the phasing out periods be reviewed from time to time. |
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. |
REC187-2932 | 6 - Insurance and legal liability | That all home contents insurance policies include flood cover. |
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. |
REC187-2921 | 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. |
REC187-2937 | 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. |
REC187-2926 | 6 - Insurance and legal liability | That flood premium discounts be provided for home building insurance for eligible homes: |
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. |
REC187-2931 | 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. |
REC187-2948 | 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: |