The committee recommends that Treasury develop options for a levy on coal and gas extraction companies, based on the annual energy content they have extracted, from which the funds raised would be invested in disaster mitigation and resilience measures, and the cost of rising insurance.

The Committee recommends that the Australian Government investigate mechanisms to require insurers to more clearly communicate the basis for the price of premiums. This could include:
- at a high level, highlighting the nature of risk for the property for each major peril type (for example, a traffic light rating system)
- last year’s premium alongside the current year’s premium, along with a descriptive analysis of why there has been a change if it is material (for example, over 10 per cent). The analysis could include highlighting different factors that may influence pricing such as changes in building costs or changes in the assessment of one or more perils, or the impact of household or community level mitigation, without attaching numerical estimates to each factor.

The Committee recommends the Australian Government consider appropriate regulatory or other mechanisms to reduce the instances of third-party builders and other contractors making changes to properties without the policyholder’s consent, including the practice of gaining entry, removing property (strip-outs) or conducting repairs without the policyholder’s knowledge or consent. Solutions should take into account the unique circumstances and challenges created by catastrophic flood events.

The Committee recommends that legislation provide the Australian Securities and Investments Commission with sufficient data-gathering powers to obtain the information required to monitor and report on the metrics recommended in Recommendation 51.

The committee recommends that the Australian Government establish a national disaster mental health hub to coordinate and provide mental health resources, training, and support for first responders and communities affected by disasters across the nation. This hub should serve as a comprehensive resource centre for addressing the mental health needs of all stakeholders involved in disaster response and recovery efforts.

The committee recommends that the Australian Government consider how it can further support Disaster Relief Australia, and other similar organisations, not only with funding beyond 2026, but also how the Australian Government can further incorporate Disaster Relief Australia into its national disaster response arrangements and boost its numbers through partnerships with the Australian Defence Force and the Department of Veterans’ Affairs.

The committee recommends that the Australian Government convene a disaster resilience mental health summit to hear from all related agencies and stakeholders to identify solutions to the mental health impacts of disaster.

The committee recommends that the Australian Government design and implement consistent national trauma-informed care principles, ensuring that first responders—both professional and volunteer—receive training and support in these national principles to better address the mental health and well-being of disaster-affected individuals and communities.

The committee recommends that the Australian Government announce a position on the inclusion of marine insurance in the Cyclone Reinsurance Pool.

The Committee recommends that the Australian Government consider options for a formal exchange program between the New Zealand National Emergency Management Agency and the Australian National Emergency Management Agency.

The Committee recommends that the Australian Government consider development opportunities between the Australian Volunteers Program for Samoa and the Australian Engineers Association mentoring program and other relevant Australian mentoring programs.

The Committee recommends that the Australian Government highlight opportunities for Australian partnerships with Samoa through Austrade and communicate opportunities for joint ventures with Australian organisations.

The Committee recommends that the Australian Government strengthen bilateral ties with New Zealand and Samoa, particularly in relation to disaster management and infrastructure issues.

The committee recommends that the Australian Government recognise the need to enhance protection and conservation efforts in the Tasmanian Wilderness World Heritage Area by allocating increased funding:
• to the Parks and Wildlife Service, Tasmania, for appropriate management activities and resources; and
• for research projects aimed at providing qualitative and quantitative data specific to climate-related and ecological threats to the Tasmanian Wilderness World Heritage Area (such as dry lightning strike).

The committee recommends that the Australian Government commit to long-term funding for the the National Aerial Firefighting Centre of an amount that is at least equal to government's current contribution, rising in line with the Consumer Price Index

The committee recommends that the Australian Government, in conjunction with state and territory governments, investigate a national remote area firefighting capability, to support Australian fire agencies.

The committee recommends that the Australian Government: • recognise that climate change has increased fire conditions in south-eastern Australia and the risk to natural and cultural values in the Tasmanian Wilderness World Heritage Area; and • report annually to the World Heritage Committee on the state of conservation in the Tasmanian Wilderness World Heritage Area.

That Government agencies work closely with the Bureau of Meteorology and radio stations that broadcast emergency service announcements, to ensure the earliest possible determination of, and communications about, dangerous bushfire conditions.

The Australian Government coordinate the development of a highly skilled workforce which can respond effectively to a sustained pandemic in Australia.

The Commonwealth Government support the growth of vaccine development and production capacity for vaccines in Australia, to enhance Australia’s preparedness to respond to outbreaks of infectious disease in Australia, and in particular, pandemic influenza.

Having regard to the terms of the Torres Strait Treaty, the Department of Health and Ageing, Queensland Health, AusAID and the Papua New Guinea Government:
- establish a set of protocols and procedures for the identification and treatment of tuberculosis and other infectious diseases in Papua New Guinea and the Torres Strait Islands; and
- consider what clinical services should be available in both Papua New Guinea and Australia for the identification and treatment of tuberculosis and other infectious diseases.

The Australian Government work with the state and territory governments to assess the viability of providing a centralised refugee and migrant health service in each state and territory, which would automatically refer people who move from immigration detention into the wider Australian community.

That the Department of Sustainability and Environment continue to invest in the auditing of Victoria’s levee systems, both public and private, so that the Victoria Flood Database contains reliable and up to date data, including information on levees’ location, height, condition and ongoing viability for flood protection.

The Committee recommends that the Minister for Financial Services and Superannuation immediately establish a joint industry-Government action group to address evidence of the rising costs and market failure of insurance premiums across Australia.

The Committee recommends that the Australian Government investigate ways to reduce the cost of calling 1300 numbers from mobile telephones in areas of natural disasters.

The Committee recommends that the Australian Government work with the Insurance Council of Australia to make the following amendments to the General Insurance Code of Practice by 1 July 2012:
- remove the clauses that set aside the Code standards in times of disasters;
- require insurers to refrain from advising policyholders against making a claim under their insurance policy, and incorporate a ‘right to claim’ so that policyholders who contact their insurer about their eligibility to make a claim are offered the opportunity to lodge a claim and have it assessed fully;
- ensure that a full explanation of the claims-handling process, including the right to escalate decisions to internal dispute and external dispute resolution systems, is given when policyholders lodge a claim;
- ensure that an acknowledgement of the claims lodgement, contact details of the claims officer, and expected timeframes for the claims-handling process are provided to policyholders in writing;
- require that copies of external expert reports used in the determination of a claim to be provided to claimants within 10 days of request; and
- introduce the following minimum standards for claims handling in times of exceptional circumstances such as declared disasters:
⇒ a timeframe for informing claimants of the progress of the claim;
⇒ a timeframe for advising claimants if an external expert has been appointed;
⇒ assurance that external experts are fully qualified to undertake assessments;
⇒ an undertaking to provide claimants with information about the qualifications, employer, and role of external experts that are appointed to assist with their claim;
⇒ a maximum timeframe of 12 weeks for external experts to provide reports;
⇒ a maximum timeframe for accepting or denying a claim;
⇒ a timeframe for responding to requests for information;
⇒ an undertaking to communicate all decisions about insurance claims to the claimant in writing with clear and explicit reasons relating to their particular claim; and
⇒ a timeframe for informing claimants of the progress of their complaint or dispute.

The Committee recommends that Parliament establish a standing committee for natural disasters. The purpose of this committee would be to ensure that Government agencies and emergency services are fully prepared to deal with natural disasters and to provide an opportunity for Members of Parliament, as opposed to Cabinet, to have input into disaster management.

The committee recommends the Commonwealth Government require guaranteed access to emergency call services for people with a disability at all times.

The Commonwealth publish all fuel reduction plans and related audit findings on a national database.

The Commonwealth co-ordinate a standing national arson forum between fire and law enforcement agencies to be held every two years.

The Commonwealth Government examine potential new arrangements for Commonwealth involvement in the development and implementation of a national policy for bushfire management.

The committee recommends the Australian Government strengthen CASA's governance framework and administrative capability by:
• introducing a small board of up to five members to provide enhanced oversight and strategic direction for CASA; and
• undertaking a review of CASA's funding arrangements to ensure CASA is equipped to deal with new regulatory challenges.

The Committee notes the importance of mitigation measures in addressing climate change impacts and accordingly recommends that the Australian Government continue to take urgent action to ensure that Australia can best contribute to a reduction in global greenhouse gas emissions.

The Committee recommends that the functions and administration of Emergency Management Australia be reviewed to develop an organisation that is proactive and involved in the development and implementation of national policy on emergency response.

The Committee recommends in acknowledgement of the expertise that the Commonwealth can bring to the Australasian Fire Authorities Council and of funding already supplied to the Council for the development of a National Aerial Firefighting Strategy, that the current status of Emergency Management Australia on AFAC as an associate member be upgraded to full membership and that full membership also be extended to the Department of Defence.