The Australian Securities & Investments Commission published consumer guidance for people impacted by Cyclone Alfred, setting out practical steps for safety, making insurance claims, accessing financial help and avoiding disaster-related scams. The guidance urges affected people to follow emergency services advice, return to properties only when safe, document damage with photos or video, discuss repairs with the insurer before proceeding, and keep receipts for essential replacements. It recommends contacting an insurer or broker as early as possible to understand and lodge a claim, noting that assessor visits may be delayed due to access issues or claim volumes, and suggests staying in contact throughout the process; those who cannot recall their insurer are directed to check premium payments in bank statements or use the Insurance Council of Australia’s disaster insurance hotline. ASIC also flags that insurers may offer emergency accommodation and other support, encourages borrowers who may miss loan repayments to contact lenders early to discuss assistance, points to Services Australia and relevant state services for disaster support, and warns against scammers offering “free inspections” or pushing upfront payments or immediate contracts, including contracts that restrict direct dealing with an insurer; it also highlights Moneysmart resources covering crisis support services, free legal services and financial counsellors.

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