The committee recommends that the Australian Government’s 2025 review of the Cyclone Reinsurance Pool consider:
- evidence and data on whether to ‘sunset’ the Cyclone Reinsurance Pool’s coverage of policies for new builds past a certain date; and
- how to reinforce the policy objective of the Cyclone Reinsurance Pool to move to parity of cost and access for all Australians.

The committee recommends that the Australian Government direct the Australia Competition and Consumer Commission to monitor the cyclone insurance markets in Northern Australia, and report on:
- instances where thin markets may be impacting both insurance coverage and cost; and
- market participation, specifically under-insurance and the issue of lack of insurance in some areas.

The committee recommends that the Australian Government review:
- the availability and coverage of insurance in Northern Australia, specifically the insured versus the uninsured, including nonparticipation; and
- the impact of the 48-hour clause on the cost of insurance premiums for Northern Australians, and the availability of insurance in the region as part of the built-in review in 2025, and adjust this clause if necessary.

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.

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. 

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.

That with regard to volunteer community safety and emergency service organisations that do not own land where their facilities exist:
i. the Government audit all such land and consider gifting or providing at reduced or peppercorn rental Government-owned land to an organisation (and specifically the Select Committee recommends gifting the Adelaide Shores land to Surf Life Saving South Australia); and
ii. the Government consider providing rebates to Councils that do not feel morally able to impose full commercial rent on community safety and emergency service volunteer occupied land.