Inquiry Search
Rec-ID | Code | Recommendation |
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REC324-4306 | 6 - Insurance and legal liability | NSW Reconstruction Authority: That, to provide rapid and effective recovery from floods (and other disasters) and to provide maximum mitigation of the impacts of future floods (and other disasters), Government establish a permanent state-wide agency, the NSW Reconstruction Authority (NSWRA) dedicated to disaster recovery, reconstruction and preparedness. The NSWRA should: |
REC324-4303 | 39 - Disaster Risk Management | Risk-based approach to calculating flood planning: That, to take account of greater knowledge of climate change, Government reinforce its adoption of a risk-based approach to calculating the flood planning level for planning purposes and, through the NSWRA, immediately start a process of revising all flood planning level calculations in the state’s high-risk catchments. Flood planning level re-determinations for all high-risk catchments should be completed within 3 years. These revised flood planning levels will need to be factored into all development applications (in-progress and new) in those high-risk catchments. The risk profile of high-risk catchments should be revisited at appropriate time intervals to check that levels are current. A review should take place if there has been a significant trigger event (i.e. changed rainfall, development) or at least every 5 years. As well as reviewing the flood planning level, this 5-yearly review should include reviewing any floodplain lease conditions and adjusting them as necessary in the light of better knowledge of climate change impacts. In working out a tolerable, risk-based flood planning level, consideration should be given to the PMF, 1% AEP, 0.02% AEP, existing development, approved but not yet constructed developments, and existing and approved but not yet constructed evacuation routes. |
REC324-4311 | 33 - Relief and recovery | Transition initiatives: That, to improve the community’s experience during immediate disaster recovery phase, Government through the SEOCON, NSWRA, DCS/Service NSW and other state agencies as required provide greater support (financial, health [including mental health], temporary accommodation, administrative and other support services) to affected communities by: |
REC324-4305 | 39 - Disaster Risk Management | Cost benefit framework:That, to enable a more systematic prioritisation of investment options in risk mitigation before, during and immediately following a natural disaster event, Government adopt and utilise a Disaster Cost Benefit Framework. This Framework will enable Government to estimate the investment required for any given disaster, starting with flood events, and will enable the fast allocation of funding based on detailed and rapid analysis of flood and property modification, mitigation, preparation, response and finance related options including: |
REC324-4297 | 33 - Relief and recovery | Housing , especially social housing: That, to ease housing stress in flood prone areas and ensure new development is resilient and community-centred, Government pursue a multi-pronged, decadal strategy through: |
REC324-4294 | 34 - Local knowledge | Environment: That, to maximise protection for the environment in and around floodplains, Government, working with local communities especially Indigenous communities, the NSWRA, other agencies and local councils ensure Indigenous voices are well heard in land use planning and natural resource management by: |
Rec-ID | Code | Recommendation |
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REC323-4269 | 33 - Relief and recovery | That the NSW Government address the mental health needs of local communities following the February-March 2022 floods by: • embedding within state emergency and recovery plans a strategy that provides surge capacity for mental health and social workers by: • prioritising funding for community groups that are currently providing social and mental health support to their local communities • ensuring all flood-impacted communities receive the mental health support they need to fully recover. |
REC323-4287 | 34 - Local knowledge | That the NSW State Emergency Service, in partnership with the Bureau of Meteorology, investigate ways in which local communities and local media with local knowledge can play a stronger role in flood predictions and warnings. |
REC323-4259 | 3 - Biodiversity | That the NSW Government provide immediate support to the Hawkesbury City Council to remediate the riverbank erosion affecting Cornwallis Road, Cornwallis without any further delay. |
REC323-4264 | 34 - Local knowledge | That the NSW Government work in partnership with key Aboriginal stakeholders, including the Jali Local Aboriginal Land Council, to prioritise the rebuild of Cabbage Tree Island, and ensure a safe and resourced evacuation plan is in place. |
REC323-4271 | 33 - Relief and recovery | That Service NSW establish teams of assessors that can be on the ground to assess and approve grant applications. |
REC323-4260 | 3 - Biodiversity | That the NSW Government invest in the restoration of the Wilsons and Richmond Rivers to include riparian restoration, water quality and river health improvement. |
REC323-4265 | 34 - Local knowledge | That the NSW Government work with First Nations peoples to support Aboriginal organisations in their capacity to operate and respond in times of natural disasters. |
REC323-4289 | 33 - Relief and recovery | That the NSW Government ensure that all emergency and recovery plans, including state plans, local emergency management plans and functional area plans, are reviewed and updated regularly and provide clarity on the role of non-government partners. |
REC323-4273 | 33 - Relief and recovery | That the NSW Government overhaul the way in which it conducts its grants process as it frustrated applicants and further traumatised them by repeatedly re-interviewing them and making them prove that they were flooded. |
REC323-4275 | 34 - Local knowledge | That the NSW Government, in partnership with community groups, including First Nations groups, develop initiatives to build community resilience, particularly in regions at high risk of future natural disaster events. |
REC323-4277 | 33 - Relief and recovery | That the NSW Government develop a more proactive, rapid response to manage animal welfare following natural disasters which includes improved collaboration and communication with local veterinarians and animal welfare organisations. |
REC323-4276 | 34 - Local knowledge | That the NSW Government ensure that community groups, both existing and emerging, including First Nations groups, are well integrated into disaster recovery, by incorporating them into state recovery plans and engaging with them in between and in the lead up to natural disasters. |
REC323-4258 | 39 - Disaster Risk Management | That the NSW Government significantly increase its investment in flood mitigation and preparation, including its support of local governments to do the same, by: • increasing ongoing, long term funding and access to technical guidance and assistance for local councils • ensuring that land-use planning and development takes a risk-based approach. |
REC323-4262 | 33 - Relief and recovery | That the NSW Government provide an increased level of targeted support to flood affected communities contending with widespread mould. |
Rec-ID | Code | Recommendation |
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REC316-4046 | 33 - Relief and recovery | Emergency Plan and Recovery sub-plans should be amended to better define recovery mechanisms and responsibilities, including hand over points to recovery authorities and community engagement for the delivery of long term recovery mechanisms. |
Rec-ID | Code | Recommendation |
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REC315-3868 | 33 - Relief and recovery | That, in order to ensure people only need to tell their story once to access government agency support following an emergency, Resilience NSW and Service NSW jointly design an inclusive, person-centred approach to information collection at evacuation centres. This should be supported by an opt-in scheme enabling personal information to be shared between NSW government agencies, local councils and non-governmental organisations administering support services for disaster-affected people. |
REC315-3830 | 39 - Disaster Risk Management | That as a matter of urgency, in order to accelerate and finalise a State-wide strategic fire trail network, the NSW RFS Commissioner and Bush Fire Coordinating Committee (BFCC): |
REC315-3850 | 3 - Biodiversity | That Government develop and implement a policy on injured wildlife response, rescue and rehabilitation including: |
REC315-3825 | 39 - Disaster Risk Management | That Government, acknowledging that a strategic approach to planning for bush fire will take time, and in order to protect, prepare and build resilience into existing communities better, should immediately: |
REC315-3833 | 3 - Biodiversity | That Government invest in long-term ecosystem and land management monitoring, modelling, forecasting, research and evaluation, and harness citizen science in this effort. This will include, among other things: |
Rec-ID | Code | Recommendation |
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REC314-3264 | 6 - Insurance and legal liability | Consider removing stamp duty from home insurance to encourage a wider section of the community to take out insurance. South Australian government agencies should share their risk modelling data with the Insurance Council of Australia. |
Rec-ID | Code | Recommendation |
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REC313-2516 | 33 - Relief and recovery | Documenting disaster recovery risks in agency risk registers, along with controls and treatment plans. |
REC313-2513 | 33 - Relief and recovery | Assessing the availability and skillsets of the resources needed to respond to a major disaster recovery event. |
REC313-2509 | 33 - Relief and recovery | Developing detailed recovery procedures. |
Rec-ID | Code | Recommendation |
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REC295-1275 | 33 - Relief and recovery | That SA Health, develop an emergency plan to manage an extended power outage or black system event which, in addition to the requirements outlined in recommendation 16: |
REC295-1334 | 33 - Relief and recovery | Conduct a review into South Australia’s arrangements for relief and recovery grant, Local Government Disaster Recovery Assistance Arrangements and Natural Disaster Relief and Recovery Arrangement claims, the review should include governance coordination and criteria for provision and processing of relief/recovery grants |
Rec-ID | Code | Recommendation |
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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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REC281-1207 | 33 - Relief and recovery | Communicating in Recovery: The Office of Emergency Management: · considers the development of a communications and engagement strategy for major disaster events · progresses the development of the ‘Communicating In Recovery’ Guideline in the Local Recovery Toolkit. |
REC281-1206 | 33 - Relief and recovery | Transition from Response to Recovery: That Region Emergency Management Committees meet post event to: · consider available impact data · determine the need to establish a Recovery Committee · document the rationale for the decision · advise the Office of Emergency Management of the decision. |
REC281-1204 | 33 - Relief and recovery | Transition from Response to Recovery That the Office of Emergency Management, in consultation with the NSW Police Force Emergency Management Unit develops a template for handover of the Response to Recovery Phase of an emergency. |
Rec-ID | Code | Recommendation |
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REC280-1402 | 6 - Insurance and legal liability | That the Ministry for Police and Emergency Services and NSW Treasury: |
REC280-1401 | 6 - Insurance and legal liability | That the NSW Government take all reasonable steps to expedite the process of establishing any legal liability for the losses incurred by property owners as a result of the Wambelong fire, and in the event that it is found liable, expedite the process of paying compensation claims. |
REC280-1400 | 6 - Insurance and legal liability | That the Office of State Revenue investigate mechanisms to enhance the affordability of insurance for properties and assets in fire affected areas. |
Rec-ID | Code | Recommendation |
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REC267-1160 | 33 - Relief and recovery | Transition from Response to Recovery |
REC267-1156 | 33 - Relief and recovery | Streamlining NDRRA Grants Processes |
REC267-1155 | 33 - Relief and recovery | MP Recovery Reference Group |
REC267-1148 | 33 - Relief and recovery | Planning for Recovery Centres Recovery Centres are a proven means of providing support to affected communities. More comprehensive recovery planning is needed at local levels, including the identification of potential Recovery Centre sites in Local EM Plans to help facilitate streamlined establishment of the Centres in future events. Consideration should be given to developing a clear set of standard messaging regarding |
REC267-1163 | 33 - Relief and recovery | Corrections Volunteer Labour Teams |
REC267-1161 | 33 - Relief and recovery | VIP Visits |
Rec-ID | Code | Recommendation |
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REC265-1126 | 33 - Relief and recovery | Development of a template contract for the clean-up of affected properties to speed-up the process; |
REC265-1125 | 33 - Relief and recovery | Consultation with the Board of the Lord Mayor’s Distress Relief Fund and other disaster appeal organisers should be undertaken to determine the potential for software development to consolidate the application and approval process, including provision of templates and application forms; |
REC265-1127 | 33 - Relief and recovery | Consultation should be undertaken with agencies and organisations that are engaged in emergency welfare provision to identify more effective ways to provide a consistent message to the community that non-cash donations are not required. |
Rec-ID | Code | Recommendation |
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REC261-1517 | 6 - Insurance and legal liability | That the Office of State Revenue investigate mechanisms to enhance the affordability of insurance for properties and assets in fire affected areas. |
REC261-1509 | 34 - Local knowledge | That the NSW Rural Fire Service, in order to ensure greater respect for volunteer fire fighters’ knowledge and experience in the management of fires: |
REC261-1520 | 33 - Relief and recovery | That the Ministry for Police and Emergency Services urgently review its policies for the provision of disaster welfare services to ensure that in the event of a bush fire emergency and the declaration of a fire under section 44 of the Rural Fires Act 1997, adequate funding and services, especially recovery centres and mental health services, are provided for an adequate length of time, with gradual transition to normal service delivery when those services are no longer required. |
REC261-1519 | 6 - Insurance and legal liability | That the Ministry for Police and Emergency Services and NSW Treasury: |
REC261-1518 | 6 - Insurance and legal liability | That the NSW Government take all reasonable steps to expedite the process of establishing any legal liability for the losses incurred by property owners as a result of the Wambelong fire, and in the event that it is found liable, expedite the process of paying compensation claims. |
Rec-ID | Code | Recommendation |
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REC260-1055 | 34 - Local knowledge | That the Rural Fire Service together with other land managers develop a program whereby local stakeholders come together regularly (every 2 months during non-fire season and monthly during the fire season) to share intelligence and to consider hazard and incident management measures for implementation. |
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). |
REC259-1046 | 33 - Relief and recovery | That prior to the commencement of any major clean-up, firm policy be established and made known to the extent to which material removal will be the responsibility of the home owner, the Council or the State led recovery effort. |
REC259-1043 | 33 - Relief and recovery | That a single victim registration form be designed, which captures all relevant details required for use by any support agency both in the Response Phase at Evacuation centres and during the Recovery Phase. That such documents when completed form part of a wider database which can be accessed by all relevant agencies |
Rec-ID | Code | Recommendation |
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REC244-2605 | 39 - Disaster Risk Management | A thorough consultative process be developed and implemented between the CFS and local government. This will determine how bushfire management planning can enable improved process and practice to mitigate bushfire risk, and ensure that fire permits are issued and complied with. |
REC244-2616 | 6 - Insurance and legal liability | That once the review of the Emergency Management Act has been finalised, any reference to the liability of councils should be mirrored in both the EM Act and the F&ES Act. |
Rec-ID | Code | Recommendation |
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REC243-0843 | 6 - Insurance and legal liability | That the Government work with the Local Government Association to resolve questions of liability by volunteers who work for Councils, as raised with the Select Committee. |
Rec-ID | Code | Recommendation |
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REC242-2642 | 6 - Insurance and legal liability | That with regard to volunteer community safety and emergency service organisations that do not own land where their facilities exist: |
Rec-ID | Code | Recommendation |
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REC238-0806 | 33 - Relief and recovery | Review the adequacy of current arrangements for infrastructure reconstruction following a major flood event in the Hawkesbury-Nepean Valley. |
REC238-0805 | 33 - Relief and recovery | Develop a Hawkesbury-Nepean Flood Recovery Plan, which identifies strategies and arrangement for recovery from severe floods in the Hawkesbury-Nepean Valley. |
Rec-ID | Code | Recommendation |
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REC226-0595 | 33 - Relief and recovery | Shire experiences in managing these traumatic events should be captured and passed into emergency management procedures. |
REC226-0594 | 33 - Relief and recovery | Procedures to resolve issues surrounding financial assistance need to be reviewed to ensure they are as smooth, fast and transparent as possible possible. Review and streamline current financial relief procedures. |
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. |
REC226-0598 | 33 - Relief and recovery | When communities are grieving there is a need to provide special forms of support to affected residents. |
REC226-0596 | 33 - Relief and recovery | An early decision on relief funding enables timely responses. D CP should review their communication of relief arrangements to ensure that they are clear. |
Rec-ID | Code | Recommendation |
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REC224-1633 | 6 - Insurance and legal liability | The Treasurer undertake a review by the next bushfire season of the ability of RiskCover to efficiently undertake loss assessing and compensation activities for victims of major natural disasters, such as a bushfire, in an empathic and timely fashion. |
REC224-1632 | 6 - Insurance and legal liability | The State Government prepare a consistent policy on how to assist or compensate the victims of future major natural disasters, such as bushfires, in an equitable fashion. |
Rec-ID | Code | Recommendation |
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REC223-0519 | 34 - Local knowledge | The Department of Environment and Conservation review its practices and procedures in the undertaking of prescribed burns so as to fully utilise the skills available to it in a seamless way including but not limited to: · volunteer bushfire brigades, especially in regard to use as a source of local advice; and · staff of the Fire and Emergency Services Authority of Western Australia. |
Rec-ID | Code | Recommendation |
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REC204-1908 | 39 - Disaster Risk Management | As part of the current revision of its contract template for sponsorship agreements, Tourism WA should ensure that: |
REC204-1920 | 6 - Insurance and legal liability | The Attorney General gives urgent consideration to determining an ex gratia payment for: |
REC204-1910 | 6 - Insurance and legal liability | As part of its review of its contract management processes, Tourism WA (with the Board of Tourism WA taking a lead role) should amend its contract template for event sponsorship to ensure that: |
Rec-ID | Code | Recommendation |
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REC203-0308 | 33 - Relief and recovery | Early resolution and clear communication of the financial and other support measures that will be available to affected residents is an important contributor to community resilience. |
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 |
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REC200-1722 | 39 - Disaster Risk Management | Emergency Management Western Australia and the State Emergency Management Committee amend WESTPLAN-BUSHFIRE to require State Emergency Coordination Group meetings to be held at the State Coordination Centre in West Leederville. |
REC200-0373 | 33 - Relief and recovery | The Department for Child Protection, the Western Australian Police and the Fire and Emergency Services Authority develop improved arrangements for communicating the loss of home and possessions to persons gathered at evacuation centres with a view to increasing privacy. |
REC200-1698 | 39 - Disaster Risk Management | The Fire and Emergency Services Authority, the Department of Environment and Conservation and local governments jointly develop a single, integrated system for fuel load assessment and management. |
REC200-1724 | 6 - Insurance and legal liability | Emergency Management Western Australia develop mechanisms to calculate the estimated total cost of a fire to the community. |
Rec-ID | Code | Recommendation |
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REC182-0135 | 33 - Relief and recovery | FESA revises its standard operating procedures to provide guidance on the format and timing of post-incident community meetings. |
Rec-ID | Code | Recommendation |
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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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REC143-3585 | 33 - Relief and recovery | That the Professional Assistance Grant is formally extended by WANDRA to include non rural businesses and that it be made available to assist with the clean up of disaster related damage to farms and businesses. (The Committee recognises that the amendments to WANDRA as of March 2007 address this recommendation). |
REC143-3583 | 33 - Relief and recovery | That the newly proposed index linked limits for Personal Hardship and Distress Relief Payments as outlined in the paper “National Disaster Relief Arrangements - An Analysis and Recommendations for Personal Hardship Distress Measures” be accepted by government. |
REC143-3588 | 33 - Relief and recovery | That, in line with recommendations contained in the 2004 Report to the Council of Australian Governments, greater flexibility should be introduced to WANDRA to enable damaged infrastructure to be upgraded to a more resilient standard where that is both feasible and cost-effective. |
Rec-ID | Code | Recommendation |
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REC139-3551 | 39 - Disaster Risk Management | The SA Country Fire Service to analyse the Coroner’s Report into the Wangary Bushfire 2005, and consider the relevant recommendations from this report in the implementation of the Ministerial Bushfire Management Review recommendations. |
REC139-3549 | 39 - Disaster Risk Management | The SA Country Fire Service investigates the establishment of a Minister’s Bushfire Risk Management Reward Scheme. |
Rec-ID | Code | Recommendation |
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REC129-3626 | 39 - Disaster Risk Management | We recommend that NSW Health continue with its good work and consider a more structured and systematic approach to the planning and risk assessment of major infectious diseases to assist transparency and decision making. |
REC129-3622 | 39 - Disaster Risk Management | We recommend that NSW Health continue with its good work and consider building on influenza pandemic preparedness planning to develop broader contingency plans to address the emergence of other new, highly transmissible and/or severe infectious diseases. |
Rec-ID | Code | Recommendation |
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REC128-3600 | 34 - Local knowledge | The Department of Primary Industries continue to consult local community about emergency planning and sites for disposal to retain confidence in the event of a genuine emergency. |
Rec-ID | Code | Recommendation |
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REC126-1950 | 39 - Disaster Risk Management | That the Emergency Services Agency adopt a more rigorous risk management approach to incident management and prediction – with particular emphasis on the development of improved community information strategies and protocols |
REC126-2008 | 34 - Local knowledge | That, if he is willing to participate, Mr John Lowe be made a member of the implementation taskforce to which I refer in recommendation 70 |
REC126-2007 | 34 - Local knowledge | That the views and concerns expressed by the ACT Sustainable Rural Lands Group be taken into account when implementing the recommendations in this report |
REC126-1988 | 39 - Disaster Risk Management | That protocols and arrangements between the ACT and NSW require that each jurisdiction be fully involved in examining and planning for the threat posed by any fire likely to affect one or other jurisdiction and in coordinating the response to that fire |
REC126-1986 | 39 - Disaster Risk Management | That the ACT and NSW authorities conduct a comprehensive risk analysis based on the most up to date knowledge relating to fire behaviour and spread in order to establish the degree of risk to each others' jurisdiction from fires ignitting in the other jurisdiction and to ensure that both jurisdictions remain fully informed and participate in risk assessments, the development of suppression strategies, and the development and dissemination of community information messages or warnings |
Rec-ID | Code | Recommendation |
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REC122-3795 | 3 - Biodiversity | The Committee recommends that the government assess the impact on fauna movement prior to managing native vegetation. |
REC122-3794 | 3 - Biodiversity | The Committee recommends that when preparing the plan for fire management (including identifying where and when to undertake prescribed burning, firebreaks and fire access tracks) consideration must be given to the impact on local fauna. |
REC122-3793 | 3 - Biodiversity | The committee recommends that the government actively manage native vegetation for fuel loads, weeds and pests. |
REC122-3784 | 34 - Local knowledge | The Committee recommends that the government provide authority to a single community representative body to authorise clearing of native vegetation for fire management. (The community representative body must incorporate the CFS, DEH, Native Vegetation Council and local council) |
REC122-3792 | 3 - Biodiversity | The Committee recommends that, after a fire, as much vegetation as feasible be retained to minimise soil erosion from wind and first rains. |
Rec-ID | Code | Recommendation |
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REC121-3700 | 39 - Disaster Risk Management | Maintenance plans on all trains should be revised annually. |
REC121-3684 | 39 - Disaster Risk Management | The ITSRR should conduct its own risk assessment in relation to the risk of any such high consequence, low probability accident and, if necessary, direct RailCorp to conduct a further risk assessment to reduce the level of residual risk to a level ITSRR regards as acceptable. |
REC121-3683 | 39 - Disaster Risk Management | RailCorp should undertake risk assessments of each of its activities as follows: |
REC121-3703 | 6 - Insurance and legal liability | Alcohol and drug testing should be mandatory for any train driver or guard involved in any accident or incident. |
REC121-3710 | 39 - Disaster Risk Management | The ITSRR should have permanent access to the RailCorp intranet. |
Rec-ID | Code | Recommendation |
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REC113-3904 | 39 - Disaster Risk Management | FESA should: in addition to its current initiatives, develop and implement structured programs (with clearly identified objectives, target groups and time lines for achievement) aimed at: |
Rec-ID | Code | Recommendation |
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REC019-4136 | 34 - Local knowledge | The Bush Fires Board appoint a Regional Committee of Board members co-opt local members for each climatic region of the State to study the bush fire control problems of the region and advise the Board so that inter alia adequate attention may be given by the Board to co-ordinating the beginning and termination of the prohibited burning times in adjoining districts and to any advisable variations of these duties according to seasonal conditions each year. |
REC019-4146 | 6 - Insurance and legal liability | Insurance companies be asked to subsidise the bush fire equipment fund by an amount at least equal to the amount they at present remit on premiums received for fire insurance in approved districts and that the Government contribute an amount to the fund at least equal to that contributed by the Insurance Companies. |
Rec-ID | Code | Recommendation |
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REC013_3969 | 6 - Insurance and legal liability | The subsidy of such Fire Brigade organisations by the insurance companies and the Government to be given favourable consideration, from a proportion of which the expenses of the Central Administration might be met. |
REC013_3981 | 3 - Biodiversity | To prohibit the preparation of baits for the destruction of rabbits and other noxious animals in which stick phosphorus is used at the time of mixing on any farm, pastoral or grazing area. |
REC013_3980 | 6 - Insurance and legal liability | To provide that any person desirous of insuring his crops against fire shall first submit his proposal to two responsible persons for their endorsement that, in their opinion, the crop is likely to produce the value for which the insurer proposes to take out the oolicy, and that, in the event of such endorsement not being obtained, the risk be not accepted. |