The Committee recommends that insurers amend their home insurance policies to provide fully paid temporary accommodation until the insurer has closed the claim, unless the extension of the time required can be demonstrated to be a result of behaviour on the part of the policyholder that is unreasonably causing delay; That final cash settlements include a provision for temporary accommodation that takes account of the Scope of Works; progress on the project to date; and a reasonable uplift; and That the cost of covering temporary accommodation should be a separate entitlement and not be funded out of the sum insured amount.

The Committee recommends the Australian Government work with the Insurance Council of Australia to develop and publish advice on the mitigation measures households could undertake to improve the flood resilience of their property.

Australian, state and territory governments should expedite the delivery of a Public Safety Mobile Broadband capability. 

The Australian Government should work with state and territory governments and critical infrastructure operators to improve information flows during and in response to natural disasters:
(1) between critical infrastructure operators, and
(2) between critical infrastructure operators and government. 

The Australian Government, working with state and territory governments and critical infrastructure operators, should lead a process to:
(1) identify critical infrastructure
(2) assess key risks to identified critical infrastructure from natural disasters
of national scale or consequence
(3) identify steps needed to mitigate these risks
(4) identify steps to make the critical infrastructure more resilient, and
(5) track achievement against an agreed plan. 

Individuals without a mobile phone who are concerned about access to Triple Zero during a prolonged telecommunications outage could consider purchasing a low cost mobile phone with a charger to keep at home for use during such outages. Since mobile phones do not require SIM cards to make emergency calls (‘000’ and ‘112’), there will be no ongoing costs.

If recommendation 1 is not supported by the Australian Government, the committee recommends that the Minister for Broadband, Communications and the Digital Economy issue a Ministerial Direction to the Australian Communications and Media Authority to allocate as a minimum requirement, 20 MHz in the 800 MHz band for the purposes of a public safety mobile broadband network.

The committee recommends that the Minister for Broadband, Communications and the Digital Economy take appropriate measures to secure, for public service agencies, priority access to an additional 10 MHz of spectrum in the 700 MHz band for public safety purposes.

The committee recommends that the Minister for Broadband, Communications and the Digital Economy issue a Ministerial Direction to the Australian Communications and Media Authority to allocate 20 MHz of contiguous spectrum in the 700 MHz band for the purposes of a public safety mobile broadband network.

Subject to the findings of the Productivity Commission, the Commonwealth examine options for the funding of replacement of power infrastructure that presents an unacceptable bushfire risk.

The Productivity Commission undertake an examination of bushfire risk from ageing power infrastructure, including an assessment of replacement costs and likely suppression costs from bushfires caused by defective infrastructure.

The Working Group recommends that State/Territory emergency management plans should explicitly take the need for rapid assessment of damaged physical infrastructure into account. The importance of rapid physical infrastructure assessment in ensuring the supply of utilities including sewerage and drainage, electricity, water and gas to residential structures and other types should be recognised and considered. 

The Committee recommends that Emergency Management Australia and the Australian Communications Authority, in conjunction with the respective state and territory governments, ensure the survivability of essential communication installations during fire incidents by strategic fuel management around the assets.

The Committee recommends that Emergency Management Australia and the Australian Communications Authority jointly with the Australasian Fire Authorities Council:
- Initiate an urgent review on a district basis, of the suitability of the current allocated radio spectrum to ensure that as far as possible, fire fighter safety is not being compromised through inadequate communications.
- Commit to the development, in conjunction with representative bodies of all emergency services, to a National Strategic Radio System.
- That the coordination of the deliberations be assigned to Emergency Management Australia.

The Committee recommends that the Commonwealth seeks to ensure that the Council of Australian Governments resolve to increase water access points for bushfire fighting on public land to the minimum national standard.