Homes in the danger zone

INURANCE WARNING: The region's location put properties at risk of flood and fire damage.
INURANCE WARNING: The region's location put properties at risk of flood and fire damage. Lisa Hemmings / Warwick Daily Ne

WARWICK residents have been urged to check their homes weren't under-insured as factors specific to the region put properties at high risk of fire and flood damage, a major insurer has warned.

This week's Cyclone Debbie, which has caused billions of damage to North Queensland, is a warning to home owners to check their property and contents were adequately insured.

RACQ Insurance has urged Warwick residents not to be complacent despite living away from cyclone zones.

RACQ spokesman Paul Turner said the structure of the city's homes and the region's location put properties at risk of flood and fire damage.

"Both fire and flood are heartbreaking for anyone but the likelihood of a home and its entire contents being completely destroyed is greater with fire and Warwick has a very high percentage of wooden homes,” Mr Turner said.

"Living in a regional area such as the Southern Downs also makes bushfires a very real threat to homes and the city is on a major river, which floods.”

He urged residents to regularly asses the value of their homes and check it against their insurance policies.

"Ask a builder or real estate agent what the value of your home is and if you have had renovations done recently make sure they are included in the policy.”

"When you take out an insurance policy, ask your insurer whether its home and contents also covers you for all insurance, such as storm and high tide.

"No one likes to take out insurance but it provides peace of mind when you know that your home and contents can be replaced at it proper value.”

Major insurers warn that about 80% of Australian homes are under-insured.

Steps to full coverage:

Use online insurance calculators as a guide each year to help make sure you have enough cover.

The cost of rebuilding your home is not the same as its real estate value. A professional valuation by a builder can help ensure you know its replacement cost.

Rebuilding costs may also be affected by changes to local regulations and by-laws.

New furniture should also be added to contents insurance.

Your local council or a local builder can help you understand these.

Check whether your policy covers supplementary costs.

Other expenses you'll be up for if your home needs to be rebuilt such as temporary accommodation. Each insurer treats these differently.

If you work from home, you may need a separate business insurance policy.

Topics:  insurance racq

Overcoming the past to lead the way

REDEMPTION: Raymond Alldridge with daughter Tayla.

How a local man turned his life around for the good of his kids.

11 jobs available in Warwick right now

CASHED UP: Looking for work?

Calling everyone who's looking for work or a change of career

Warwick's winter back in force over the weekend

Freezing weather to return.

Don't get used to the warm weather

Local Partners

Festival to honour man in black

Stanthorpe could be on to a Cash cow, with organisers of a new festival confident the event could become a major drawcard for the area.

Hats off to the volunteers at Morgan Park

UPGRADE: Warwick District Sporting Car Club committee member Wayne Pfingst and volunteer Peter Herlihen at the upgraded bridge.

Praise for four dedicated volunteers at motorsport precinct

Maroons duo ready for Friday night polocrosse

EXCITED: Tambo player Rachael Sargood and son Jett will both play for Queensland at Morgan Park this weekend.

Mother and son playing in different Queensland teams this weekend

Athletes to gather Thursday for Warwick All Schools

Scots PGC student Will Gilmore at his final practice session before Thursday's Briggs Oval athletics.

Main events at athletics will be on Thursday at Briggs Oval

OPINION: Bachelor really crossed the line

Leah’s abrupt Bachelor exit is slut-shaming at its worst.

Marvel stars tease superhero epic

The four year wait for Marvel's The Defenders is over.

The Defenders stars on their long-awaited superhero team-up.

The two stars who intimidated Chris Hemsworth

Chris Hemsworth was intimidated by two other Hollywood stars.

Thor star says he was ‘weirdly shaken’ when he met two other actors.

Sam Newman: How a Playboy magazine changed everything

The new crew of The Footy Show.Source:Supplied

How a Playboy magazine changed everything.

Leah slams Matty: ‘I was incredibly disappointed’

Leah says she was ‘incredible disappointed’ with Matty J.

BACHELOR evictee's controversial chat with Kyle and Jackie O.

John Eales finds peace with the haka

Inia Maxwell and John Eales in a scene from the documentary John Eales Reveals: The Haka.

Rugby legend is on a quest to learn about a sacred Maori tradition/

The Bachelor recap: Secret pasts publicly exposed

Matty J is left speechless on The Bachelor.

TWO Bachelor contestants’ secret adult pasts have been exposed.

4800 homes to be built in massive new Coast estate

Masterplanned community full steam ahead - it's not Caloundra South

Open for inspection homes August 17 - 23

Check out this weekend's homes open for inspection.

Airbnb, Stayz and co tipped to squeeze Coast housing market

HOLIDAY BOOM: Airbnb letting is putting a further squeeze on long-term rentals.

Councils exploring options to manage the industry

How we got a rental straight away on the Coast

Rita and David Allara, moved down from Townsville, paid three months up front rent to secure the place at flash new unit block in Kings Beach.

Genius move helps secure rental property