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d6b5cf875f0fa7f0be87e18f05eb8bac78c2f248353f155f7c49b71991e2d1edaf160be8ff00227f
636fd8dff6bcff0082b4fed736df0b7e18278a3e29fc5af897e20baf18fc5af8bde3cd535ad76c7c
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\pard\sb0\sl-240{\bkmkstart Pg1}{\bkmkend Pg1}\par\pard\ql \li8735\sb0\sl-253\sl
mult0 \par\pard\ql\li8735\sb0\sl-253\slmult0 \par\pard\ql\li8735\sb0\sl-253\slmu

lt0 \par\pard\ql\li8735\sb0\sl-253\slmult0 \par\pard\ql\li8735\sb0\sl-253\slmult

0 \par\pard\ql\li8735\sb0\sl-253\slmult0 \par\pard\ql\li8735\sb132\sl-253\slmult
0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 30 September 2011 \p
ar\pard\ql \li1418\ri7911\sb242\sl-260\slmult0 \up0 \expndtw-3\charscalex100 \ul
0\nosupersub\cf5\f6\fs24 The Hon Bill Shorten MP \line \up0 \expndtw-3\charscale
x100 Assistant Treasurer \line \up0 \expndtw-3\charscalex100 Parliament House \l
ine \up0 \expndtw-3\charscalex100 CANBERRA ACT 2600 \par\pard\ql \li1418\sb0\s
l-253\slmult0 \par\pard\ql\li1418\sb253\sl-253\slmult0 \up0 \expndtw-3\charscale
x100 \ul0\nosupersub\cf4\f5\fs22 Dear Assistant Treasurer \par\pard\ql \li1418\s
b247\sl-253\slmult0 \up0 \expndtw-2\charscalex100 We are pleased to present our
report on the Natural Disaster Insurance Review. \par\pard\ql \li1418\sb247\sl-2
53\slmult0 \up0 \expndtw-2\charscalex100 The Review has attracted wide public in
terest, evidenced by over 100 written submissions and \par\pard\ql \li1418\ri130
7\sb2\sl-260\slmult0 \up0 \expndtw-2\charscalex100 considerable public debate am
ongst experts and other interested parties. The Review Panel has also \line \up0
\expndtw-2\charscalex100 undertaken many stakeholder meetings, with representat
ives of all levels of government, insurers, \line \up0 \expndtw-2\charscalex100
consumer groups, hydrological experts and others, and made numerous public speec
hes and \line \up0 \expndtw-2\charscalex100 presentations to diverse audiences f
ollowing publication of our Issues Paper on 2 June 2011. \par\pard\qj \li1418\ri
1340\sb240\sl-260\slmult0 \up0 \expndtw-2\charscalex100 The Review Panel wants t
o express its gratitude to the many individuals and organisations that have \up0
\expndtw-3\charscalex100 contributed to the work of the Panel. \par\pard\qj \li
1418\ri1424\sb240\sl-260\slmult0 \up0 \expndtw-2\charscalex100 Our key recommend
ation is to establish an Agency that will, for the first time, bring together fl
ood \up0 \expndtw-2\charscalex100 risk management and insurance in a manner desi
gned to ensure the availability and affordability of \up0 \expndtw-3\charscalex1
00 flood insurance to all insured Australians. \par\pard\qj \li1418\ri7355\sb42\
sl-500\slmult0 \up0 \expndtw-3\charscalex100 We commend the Report to you. \up0
\expndtw-3\charscalex100 Yours sincerely \par\pard\li1418\sb0\sl-253\slmult0\par
\pard\li1418\sb0\sl-253\slmult0\par\pard\li1418\sb0\sl-253\slmult0\par\pard\li14
18\sb0\sl-253\slmult0\par\pard\li1418\sb0\sl-253\slmult0\par\pard\li1418\sb0\sl253\slmult0\par\pard\li1418\sb0\sl-253\slmult0\par\pard\li1418\sb0\sl-253\slmult
0\par\pard\li1418\sb0\sl-253\slmult0\par\pard\li1418\sb0\sl-253\slmult0\par\pard
\li1418\sb0\sl-253\slmult0\par\pard\li1418\sb0\sl-253\slmult0\par\pard\li1418\sb
0\sl-253\slmult0\par\pard\li1418\sb0\sl-253\slmult0\par\pard\li1418\sb162\sl-253
\slmult0\fi0\tx4856\tx7498 \up0 \expndtw-3\charscalex100 John Trowbridge\tab \up
0 \expndtw-3\charscalex100 Jim Minto\tab \up0 \expndtw-3\charscalex100 John Berr
ill\par\pard\li1418\sb9\sl-253\slmult0\fi0\tx4856\tx7498 \up0 \expndtw-3\charsca
lex100 Panel Chairman\tab \up0 \expndtw-3\charscalex100 Panel Member\tab \up0 \e
xpndtw-3\charscalex100 Panel Member\par\pard\qj \li1418\sb0\sl-260\slmult0 \par\
pard\qj\li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\sb0\sl-260\slmult0 \par\pa
rd\qj\li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\sb0\sl-260\slmult0 \par\pard
\qj\li1418\ri7545\sb21\sl-260\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf2\f3\fs20 Natural Disaster Insurance Review \up0 \expndtw-2\charscalex100
C/- The Treasury \par\pard\qj \li1418\ri6619\sb0\sl-260\slmult0 \up0 \expndtw-2\
charscalex100 Langton Crescent, PARKES ACT 2600 Australia \up0 \expndtw-2\charsc
alex100 Phone 02 6263 3340 \par\pard\ql \li1418\sb25\sl-230\slmult0 \up0 \expndt
w-2\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.ndir.gov.au/" }}{\fl
drslt {\ul0\nosupersub\cf2\f3\fs20 www.ndir.gov.au}}} \par\pard\sect\sectd\fs24\
paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg2}{\bkmkend Pg2}\par\pard\q
l \li1418\sb0\sl-368\slmult0 \par\pard\ql\li1418\sb0\sl-368\slmult0 \par\pard\ql
\li1418\sb0\sl-368\slmult0 \par\pard\ql\li1418\sb0\sl-368\slmult0 \par\pard\ql\l
i1418\sb103\sl-368\slmult0 \up0 \expndtw0\charscalex97 \ul0\nosupersub\cf7\f8\fs
40 T\ul0\nosupersub\cf8\f9\fs32 ERMS OF REFERENCE \par\pard\ql \li1418\sb0\sl-25
3\slmult0 \par\pard\ql\li1418\sb134\sl-253\slmult0 \up0 \expndtw-3\charscalex100
\ul0\nosupersub\cf4\f5\fs22 Issued by the Hon Bill Shorten, Assistant Treasurer
, on 4 March 2011. \par\pard\ql \li1418\sb0\sl-264\slmult0 \par\pard\ql\li1418\s
b0\sl-264\slmult0 \par\pard\ql\li1418\sb10\sl-264\slmult0 \up0 \expndtw-3\charsc
alex100 \ul0\nosupersub\cf9\f10\fs28 B\ul0\nosupersub\cf10\f11\fs22 ACKGROUND \p

ar\pard\li1418\sb0\sl-253\slmult0\par\pard\li1418\sb10\sl-253\slmult0\fi0\tx1985
\up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf4\f5\fs22 1\tab \up0 \expndtw-2
\charscalex100 Recent widespread flooding and other extreme weather events have
caused devastating losses\par\pard\li1418\sb7\sl-253\slmult0\fi566 \up0 \expndtw
-1\charscalex100 across the nation. These losses have been borne by individuals
and businesses, State and local\par\pard\li1418\sb6\sl-253\slmult0\fi566 \up0 \e
xpndtw0\charscalex104 Government, community organisations, the Australian Govern
ment, private insurers, and\par\pard\li1418\sb8\sl-253\slmult0\fi566 \up0 \expnd
tw-3\charscalex100 reinsurers.\par\pard\li1418\sb247\sl-253\slmult0\fi0\tx1985 \
up0 \expndtw-4\charscalex100 2\tab \up0 \expndtw-3\charscalex100 The Australian
Government seeks to ensure that:\par\pard\li1418\sb0\sl-253\slmult0\par\pard\li1
418\sb13\sl-253\slmult0\fi566\tx2858 \up0 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf12\f13\fs20 (a)\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs2
2 Individuals and communities affected by the floods and other natural disasters
are\par\pard\li1418\sb1\sl-239\slmult0\fi1418 \up0 \expndtw-3\charscalex100 abl
e to recover and rebuild as quickly as possible.\par\pard\li1418\sb0\sl-253\slmu
lt0\par\pard\li1418\sb16\sl-253\slmult0\fi566\tx2858 \up0 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf12\f13\fs20 (b)\tab \up0 \expndtw-3\charscalex100 \ul0\nosu
persub\cf4\f5\fs22 People are able to choose where they live in an informed way.
\par\pard\li1418\sb246\sl-253\slmult0\fi566\tx2858 \up0 \expndtw-3\charscalex100
\ul0\nosupersub\cf12\f13\fs20 (c)\tab \up0 \expndtw0\charscalex104 \ul0\nosuper
sub\cf4\f5\fs22 Individuals and communities at risk of future flooding or other
extreme weather\par\pard\qj \li2837\ri1229\sb0\sl-260\slmult0 \up0 \expndtw-1\ch
arscalex100 events are aware of the risks but are able to obtain suitable protec
tion against those \up0 \expndtw0\charscalex102 risks, both in terms of having a
ccess to insurance and benefiting from appropriate \up0 \expndtw-3\charscalex100
mitigation strategies. \par\pard\ql \li1418\sb212\sl-253\slmult0\tx1985 \up0 \e
xpndtw-4\charscalex100 3 \tab \up0 \expndtw-2\charscalex100 The Australian Gover
nment is concerned to ensure that the appropriate national measures are \par\par
d\qj \li1985\ri1214\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex100 in place to
foster more complete sharing of risk and equitable sharing of the cost of damage
\up0 \expndtw-2\charscalex100 and loss resulting from floods and other natural
disasters throughout the nation. This Review is \up0 \expndtw-3\charscalex100 es
tablished to examine how best to achieve these objectives. \par\pard\ql \li1418\
sb246\sl-253\slmult0\tx1985 \up0 \expndtw-4\charscalex100 4 \tab \up0 \expndtw0\
charscalex100 The National Strategy for Disaster Resilience adopted by COAG on 1
3 February 2011 outlines \par\pard\qj \li1985\ri1225\sb2\sl-260\slmult0 \up0 \ex
pndtw0\charscalex103 the shared responsibility of individuals, governments,
businesses and communities in \up0 \expndtw-3\charscalex100 preparing for,
and responding to, disasters. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985 \
up0 \expndtw-4\charscalex100 5 \tab \up0 \expndtw0\charscalex102 As part of the
National Strategy, the Commonwealth, States and Territories will be working \par
\pard\qj \li1985\ri1232\sb2\sl-260\slmult0 \up0 \expndtw-1\charscalex100 togethe
r to support strategies to foster greater individual and community resilience, i
ncluding \line \up0 \expndtw0\charscalex100 having adequate and appropriate leve
ls of insurance cover, and the Heads of Treasuries will \line \up0 \expndtw-1\ch
arscalex100 provide a report to the National Emergency Management Committee (NEM
C) on insurance by \line \up0 \expndtw-3\charscalex100 the end of 2011. \par\par
d\ql \li1418\sb246\sl-253\slmult0\tx1985 \up0 \expndtw-4\charscalex100 6 \tab \u
p0 \expndtw-1\charscalex100 This Review provides an opportunity for an independe
nt review of issues relating to insurance \par\pard\qj \li1985\ri1214\sb2\sl-260
\slmult0 \up0 \expndtw0\charscalex102 in light of the recent disasters, in the c
ontext of the long term funding of disaster relief. The \up0 \expndtw0\charscale
x100 Assistant Treasurer and the Attorney-General will provide the outcome of th
e Review to the \up0 \expndtw-2\charscalex100 Heads of Treasuries for considerat
ion in the context of their report to the NEMC. \par\pard\ql \li1418\sb0\sl-253\
slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb40\sl-253\s
lmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf9\f10\fs28 O\ul0\nosupers
ub\cf10\f11\fs22 BJECTIVE AND SCOPE \par\pard\ql \li1418\sb0\sl-253\slmult0 \par
\pard\ql\li1418\sb14\sl-253\slmult0\tx1985 \up0 \expndtw-4\charscalex100 \ul0\no

supersub\cf4\f5\fs22 7 \tab \up0 \expndtw-3\charscalex100 The Review should be g

uided by the following principles: \par\pard\ql \li5934\sb0\sl-207\slmult0 \par\
pard\ql\li5934\sb0\sl-207\slmult0 \par\pard\ql\li5934\sb0\sl-207\slmult0 \par\pa
rd\ql\li5934\sb0\sl-207\slmult0 \par\pard\ql\li5934\sb0\sl-207\slmult0 \par\pard
\ql\li5934\sb0\sl-207\slmult0 \par\pard\ql\li5934\sb0\sl-207\slmult0 \par\pard\q
l\li5934\sb56\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf6\f
7\fs18 i \par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmk
start Pg3}{\bkmkend Pg3}\par\pard\ql \li8992\sb0\sl-207\slmult0 \par\pard\ql\li8
992\sb0\sl-207\slmult0 \par\pard\ql\li8992\sb14\sl-207\slmult0 \up0 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf1\f2\fs18 Terms of Reference \par\pard\ql \li1985
\sb0\sl-253\slmult0 \par\pard\ql\li1985\sb242\sl-253\slmult0\tx2551 \up0 \expndt
w-2\charscalex100 \ul0\nosupersub\cf12\f13\fs20 (a) \tab \up0 \expndtw0\charscal
ex100 \ul0\nosupersub\cf4\f5\fs22 Government intervention in private insurance m
arkets is justifiable only where, and to \par\pard\qj \li2551\ri1233\sb2\sl-260\
slmult0 \up0 \expndtw-1\charscalex100 the extent that there is clear failure by
those private markets to offer appropriate cover \up0 \expndtw-3\charscalex100 a
t affordable premiums. \par\pard\li1418\sb0\sl-253\slmult0\par\pard\li1418\sb25\
sl-253\slmult0\fi566\tx2858 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf12\f
13\fs20 (b)\tab \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf4\f5\fs22 The app
ropriate mitigation of risk by individuals and governments at all levels is a\pa
r\pard\li1418\sb1\sl-236\slmult0\fi1418 \up0 \expndtw-3\charscalex100 key object
ive.\par\pard\li1418\sb0\sl-253\slmult0\par\pard\li1418\sb19\sl-253\slmult0\fi56
6\tx2858 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf12\f13\fs20 (c)\tab \up
0 \expndtw0\charscalex106 \ul0\nosupersub\cf4\f5\fs22 Individuals and businesses
should be encouraged to insure themselves where\par\pard\li1418\sb1\sl-236\s
lmult0\fi1418 \up0 \expndtw-3\charscalex100 practicable.\par\pard\li1418\sb249\s
l-253\slmult0\fi0\tx1985 \up0 \expndtw-4\charscalex100 8\tab \up0 \expndtw0\char
scalex107 The Review will consider the arrangements for the insurance of the ass
ets of Australian\par\pard\li1418\sb9\sl-253\slmult0\fi566 \up0 \expndtw0\charsc
alex100 individuals, small businesses and governments for damage and loss associ
ated with flood and\par\pard\li1418\sb6\sl-253\slmult0\fi566 \up0 \expndtw-3\cha
rscalex100 other natural disasters. In particular, the Review will consider:\par
\pard\li1418\sb0\sl-253\slmult0\par\pard\li1418\sb13\sl-253\slmult0\fi566\tx2551
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf12\f13\fs20 (a)\tab \up0 \expnd
tw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 The extent of, and reasons for, no
n-insurance and underinsurance for flood and other\par\pard\li1418\sb1\sl-239\sl
mult0\fi1132 \up0 \expndtw-3\charscalex100 natural disasters in Australia.\par\p
ard\li1418\sb0\sl-253\slmult0\par\pard\li1418\sb16\sl-253\slmult0\fi566\tx2858 \
up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf12\f13\fs20 (b)\tab \up0 \expndtw
0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 The ability of private insurance mar
kets to offer adequate and affordable insurance\par\pard\li1418\sb1\sl-237\slmul
t0\fi1418 \up0 \expndtw0\charscalex100 cover for individuals, small businesses a
nd governments for flood and other natural\par\pard\li1418\sb11\sl-253\slmult0\f
i1418 \up0 \expndtw-3\charscalex100 disasters.\par\pard\li1418\sb0\sl-253\slmult
0\par\pard\li1418\sb13\sl-253\slmult0\fi566\tx2858 \up0 \expndtw-3\charscalex100
\ul0\nosupersub\cf12\f13\fs20 (c)\tab \up0 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf4\f5\fs22 Factors that may impede the private insurance market in offerin
g such cover.\par\pard\li1418\sb247\sl-253\slmult0\fi566\tx2858 \up0 \expndtw-2\
charscalex100 \ul0\nosupersub\cf12\f13\fs20 (d)\tab \up0 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf4\f5\fs22 Measures that could improve the ability of the pri
vate insurance market to offer such\par\pard\li1418\sb1\sl-238\slmult0\fi1418 \u
p0 \expndtw0\charscalex107 cover and the take-up of such cover by indivi
duals, small businesses and\par\pard\li1418\sb9\sl-253\slmult0\fi1418 \up0 \e
xpndtw-3\charscalex100 governments.\par\pard\li1418\sb0\sl-253\slmult0\par\pard\
li1418\sb14\sl-253\slmult0\fi566\tx2858 \up0 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf12\f13\fs20 (e)\tab \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5
\fs22 The need for any further measures to enhance:\par\pard\li1418\sb228\sl-253
\slmult0\fi566\tx2551 \up0 \expndtw-3\charscalex100 (i)\tab \up0 \expndtw0\chars
calex102 consumer awareness and understanding of the scope and coverage
of available\par\pard\li1418\sb6\sl-253\slmult0\fi1132 \up0 \expndtw-3\charsca

lex100 insurance products.\par\pard\li1418\sb247\sl-253\slmult0\fi566\tx2551 \up

0 \expndtw-3\charscalex100 (ii)\tab \up0 \expndtw-2\charscalex100 claims managem
ent, dispute resolution and consumer assistance and advocacy services.\par\pard\
li1418\sb0\sl-253\slmult0\par\pard\li1418\sb16\sl-253\slmult0\fi566\tx2858 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf12\f13\fs20 (f)\tab \up0 \expndtw0\ch
arscalex100 \ul0\nosupersub\cf4\f5\fs22 The effect or likely effect of the recen
t floods and other natural disasters on future\par\pard\ql \li2837\sb1\sl-220\sl
mult0 \up0 \expndtw-3\charscalex100 insurance premiums in respect of such cover.
\par\pard\ql \li1985\sb253\sl-253\slmult0\tx2858 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf12\f13\fs20 (g) \tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf4\f5\fs22 Whether there is a case for subsidising insurance premiums for
individuals and small \par\pard\ql \li2837\sb7\sl-253\slmult0 \up0 \expndtw-3\ch
arscalex100 businesses in the areas of highest risk facing the highest premiums.
\par\pard\ql \li1985\sb247\sl-253\slmult0\tx2858 \up0 \expndtw-3\charscalex100
\ul0\nosupersub\cf12\f13\fs20 (h) \tab \up0 \expndtw0\charscalex103 \ul0\nosuper
sub\cf4\f5\fs22 Whether there is a role for the Commonwealth Government in provi
ding disaster \par\pard\qj \li2837\ri1218\sb2\sl-260\slmult0 \up0 \expndtw0\char
scalex108 insurance or reinsurance to the private sector, through mechanisms suc
h as a \up0 \expndtw-2\charscalex100 national disaster insurance program, and, i
f so, what are the best options? \par\pard\li1985\sb0\sl-253\slmult0\par\pard\li
1985\sb26\sl-253\slmult0\fi0\tx2858 \up0 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf12\f13\fs20 (i)\tab \up0 \expndtw0\charscalex106 \ul0\nosupersub\cf4\f5\fs22
The impact or likely impact of any Commonwealth Government intervention in\par\
pard\li1985\sb1\sl-236\slmult0\fi851 \up0 \expndtw-3\charscalex100 disaster insu
rance on the private insurance market.\par\pard\ql \li1985\sb238\sl-253\slmult0\
tx2858 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf12\f13\fs20 (j) \tab \up0
\expndtw0\charscalex105 \ul0\nosupersub\cf4\f5\fs22 The relationship between di
saster mitigation measures taken by State and local \par\pard\qj \li2837\ri1214\
sb2\sl-260\slmult0 \up0 \expndtw0\charscalex104 governments against flood risks,
and the impact of such measures, or the lack of \up0 \expndtw-2\charscalex100 t
hem, on the availability and affordability of flood and other disaster insurance
. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985 \up0 \expndtw-4\charscalex100
9 \tab \up0 \expndtw-2\charscalex100 The Review will also consider whether the
existing Commonwealth and State arrangements for \par\pard\qj \li1985\ri1222\sb2
\sl-260\slmult0 \up0 \expndtw0\charscalex103 dealing with natural disaster r
ecovery and resilience should be supplemented by the \up0 \expndtw0\chars
calex100 establishment of a national disaster fund to support the rebuilding of
public infrastructure in \up0 \expndtw-3\charscalex100 the aftermath of events s
uch as the recent floods. \par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard
\sb0\sl-240{\bkmkstart Pg4}{\bkmkend Pg4}\par\pard\ql \li8992\sb0\sl-207\slmult0
\par\pard\ql\li8992\sb0\sl-207\slmult0 \par\pard\ql\li8992\sb14\sl-207\slmult0
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs18 Terms of Reference \pa
r\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par
\pard\ql\li1418\sb69\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersu
b\cf9\f10\fs28 C\ul0\nosupersub\cf10\f11\fs22 OMPOSITION AND CONSULTATION \par\p
ard\li1418\sb0\sl-253\slmult0\par\pard\li1418\sb11\sl-253\slmult0\fi0\tx1985 \up
0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 10\tab \up0 \expndtw0\cha
rscalex104 The Review Panel will be chaired by Mr John Trowbridge, with Mr John
Berrill and Mr Jim\par\pard\li1418\sb7\sl-253\slmult0\fi566 \up0 \expndtw-3\char
scalex100 Minto as members.\par\pard\li1418\sb0\sl-253\slmult0\par\pard\li1418\s
b13\sl-253\slmult0\fi566\tx2551 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf
12\f13\fs20 (a)\tab \up0 \expndtw0\charscalex105 \ul0\nosupersub\cf4\f5\fs22 The
Review Panel will be assisted by the Australian Government Actuary, Mr Peter\pa
r\pard\li1418\sb1\sl-238\slmult0\fi1132 \up0 \expndtw-3\charscalex100 Martin.\pa
r\pard\ql \li1985\sb233\sl-253\slmult0\tx2858 \up0 \expndtw-2\charscalex100 \ul0
\nosupersub\cf12\f13\fs20 (b) \tab \up0 \expndtw0\charscalex103 \ul0\nosupersub\
cf4\f5\fs22 The Review Panel will be supported by a working group from within th
e Treasury, \par\pard\qj \li2837\ri1236\sb2\sl-260\slmult0 \up0 \expndtw0\charsc
alex106 with representation from the Department of Finance and Deregulation and
the \line \up0 \expndtw0\charscalex106 Attorney General\u8217?s Department, and

drawing on other government agencies as \line \up0 \expndtw-3\charscalex100 appr

opriate. \par\pard\li1985\sb0\sl-253\slmult0\par\pard\li1985\sb29\sl-253\slmult0
\fi0\tx2858 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf12\f13\fs20 (c)\tab
\up0 \expndtw0\charscalex106 \ul0\nosupersub\cf4\f5\fs22 The Chair may task memb
ers of the Review Panel to oversee programs of work\par\pard\li1985\sb1\sl-238\s
lmult0\fi851 \up0 \expndtw-3\charscalex100 related to their field of expertise.\
par\pard\li1985\sb0\sl-253\slmult0\par\pard\li1985\sb17\sl-253\slmult0\fi0\tx285
8 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf12\f13\fs20 (d)\tab \up0 \expn
dtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 The Review Panel will consult wit
h the public to allow for community and business\par\pard\li1985\sb1\sl-236\slmu
lt0\fi851 \up0 \expndtw-3\charscalex100 input.\par\pard\li1985\sb0\sl-253\slmult
0\par\pard\li1985\sb19\sl-253\slmult0\fi0\tx2858 \up0 \expndtw-2\charscalex100 \
ul0\nosupersub\cf12\f13\fs20 (e)\tab \up0 \expndtw-3\charscalex100 \ul0\nosupers
ub\cf4\f5\fs22 The Review Panel will consult with State and Territory government
s.\par\pard\li1985\sb246\sl-253\slmult0\fi0\tx2858 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf12\f13\fs20 (f)\tab \up0 \expndtw0\charscalex109 \ul0\nosuper
sub\cf4\f5\fs22 The Review Panel will also, where necessary, draw on external ex
pertise and\par\pard\ql \li2837\sb1\sl-216\slmult0 \up0 \expndtw-3\charscalex100
comparative international best practice. \par\pard\ql \li1985\sb0\sl-253\slmult
0 \par\pard\ql\li1985\sb1\sl-253\slmult0\tx2858 \up0 \expndtw-2\charscalex100 \u
l0\nosupersub\cf12\f13\fs20 (g) \tab \up0 \expndtw0\charscalex100 \ul0\nosupersu
b\cf4\f5\fs22 The Review Panel should provide a final report setting out its rec
ommendations to \par\pard\ql \li2837\sb7\sl-253\slmult0 \up0 \expndtw-3\charscal
ex100 the Assistant Treasurer by no later than 30 September 2011. \par\pard\ql \
li1985\sb247\sl-253\slmult0\tx2858 \up0 \expndtw-3\charscalex100 \ul0\nosupersub
\cf12\f13\fs20 (h) \tab \up0 \expndtw0\charscalex104 \ul0\nosupersub\cf4\f5\fs22
The final report will also be provided to the Commonwealth Attorney-General as
\par\pard\qj \li2837\ri1218\sb2\sl-260\slmult0 \up0 \expndtw-1\charscalex100 cha
ir of the Ministerial Council for Police and Emergency Management \u8212? Emerge
ncy \up0 \expndtw0\charscalex100 Management (MCPEM-EM) for consideration in impl
ementing the National Strategy \up0 \expndtw-3\charscalex100 for Disaster Resili
ence as agreed by COAG in February 2011. \par\pard\sect\sectd\fs24\paperw11900\p
aperh16820\pard\sb0\sl-240{\bkmkstart Pg5}{\bkmkend Pg5}\par\pard\ql \li1418\sb0
\sl-345\slmult0 \par\pard\ql\li1418\sb0\sl-345\slmult0 \par\pard\ql\li1418\sb0\s
l-345\slmult0 \par\pard\ql\li1418\sb179\sl-345\slmult0 \up0 \expndtw0\charscalex
97 \ul0\nosupersub\cf14\f15\fs36 C\ul0\nosupersub\cf15\f16\fs29 ONTENTS \par\par
d\li1418\sb0\sl-253\slmult0\par\pard\li1418\sb0\sl-253\slmult0\par\pard\li1418\s
b56\sl-253\slmult0\fi0\tldot\tx10385\tx10430 \up0 \expndtw-2\charscalex100 \ul0\
nosupersub\cf16\f17\fs22 T\ul0\nosupersub\cf17\f18\fs18 ERMS OF REFERENCE\expndt
w0\charscalex100\tab \tab \up0 \expndtw-2\charscalex100 I\par\pard\li1418\sb184\
sl-253\slmult0\fi0\tldot\tx10334 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\c
f16\f17\fs22 E\ul0\nosupersub\cf17\f18\fs18 XECUTIVE SUMMARY\expndtw0\charscalex
100\tab \t \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf16\f17\fs22 1\par\par
d\li1418\sb186\sl-253\slmult0\fi0\tldot\tx10334 \up0 \expndtw-2\charscalex100 L\
ul0\nosupersub\cf17\f18\fs18 IST OF RECOMMENDATIONS\expndtw0\charscalex100\tab \
t \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf16\f17\fs22 9\par\pard\li1418\
sb184\sl-253\slmult0\fi0\tx2738\tldot\tx10183\tx10231 \up0 \expndtw-2\charscalex
100 C\ul0\nosupersub\cf17\f18\fs18 HAPTER \ul0\nosupersub\cf16\f17\fs22 1.\tab \
up0 \expndtw-2\charscalex100 I\ul0\nosupersub\cf17\f18\fs18 NTRODUCTION\expndtw0
\charscalex100\tab \tab \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\f
s22 19\par\pard\li1418\sb186\sl-253\slmult0\fi0\tx2738\tldot\tx10183\tx10231 \up
0 \expndtw-2\charscalex100 C\ul0\nosupersub\cf17\f18\fs18 HAPTER \ul0\nosupersub
\cf16\f17\fs22 2.\tab \up0 \expndtw-2\charscalex100 T\ul0\nosupersub\cf17\f18\fs
18 HE AVAILABILITY OF FLOOD INSURANCE FOR HOMES\expndtw0\charscalex100\tab \tab
\up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 29\par\pard\li1418\s
b184\sl-253\slmult0\fi0\tx2738\tldot\tx10183\tx10231 \up0 \expndtw-2\charscalex1
00 C\ul0\nosupersub\cf17\f18\fs18 HAPTER \ul0\nosupersub\cf16\f17\fs22 3.\tab \u
p0 \expndtw-2\charscalex100 T\ul0\nosupersub\cf17\f18\fs18 HE AFFORDABILITY OF F
LOOD INSURANCE FOR HOMES\expndtw0\charscalex100\tab \tab \up0 \expndtw-3\charsca
lex100 \ul0\nosupersub\cf16\f17\fs22 35\par\pard\li1418\sb184\sl-253\slmult0\fi0

\tx2738\tldot\tx10183\tx10231 \up0 \expndtw-2\charscalex100 C\ul0\nosupersub\cf1

7\f18\fs18 HAPTER \ul0\nosupersub\cf16\f17\fs22 4.\tab \up0 \expndtw-2\charscale
x100 F\ul0\nosupersub\cf17\f18\fs18 LOOD INSURANCE FOR OTHER DWELLINGS\expndtw0\
charscalex100\tab \tab \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs
22 43\par\pard\li1418\sb186\sl-253\slmult0\fi0\tx2738\tldot\tx10183\tx10231 \up0
\expndtw-2\charscalex100 C\ul0\nosupersub\cf17\f18\fs18 HAPTER \ul0\nosupersub\
cf16\f17\fs22 5.\tab \up0 \expndtw-2\charscalex100 F\ul0\nosupersub\cf17\f18\fs1
8 LOOD INSURANCE FOR HOME CONTENTS\expndtw0\charscalex100\tab \tab \up0 \expndtw
-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 47\par\pard\li1418\sb184\sl-253\s
lmult0\fi0\tx2738\tldot\tx10183\tx10231 \up0 \expndtw-2\charscalex100 C\ul0\nosu
persub\cf17\f18\fs18 HAPTER \ul0\nosupersub\cf16\f17\fs22 6.\tab \up0 \expndtw-2
\charscalex100 F\ul0\nosupersub\cf17\f18\fs18 LOOD INSURANCE FOR SMALL BUSINESSE
S\expndtw0\charscalex100\tab \tab \up0 \expndtw-3\charscalex100 \ul0\nosupersub\
cf16\f17\fs22 51\par\pard\li1418\sb186\sl-253\slmult0\fi0\tx2738\tldot\tx10183\t
x10231 \up0 \expndtw-2\charscalex100 C\ul0\nosupersub\cf17\f18\fs18 HAPTER \ul0\
nosupersub\cf16\f17\fs22 7.\tab \up0 \expndtw-2\charscalex100 A\ul0\nosupersub\c
f17\f18\fs18 FLOOD PREMIUM DISCOUNT AND REINSURANCE SYSTEM\expndtw0\charscalex1
00\tab \tab \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 55\par\p
ard\li1418\sb184\sl-253\slmult0\fi0\tx2738\tldot\tx10183\tx10231 \up0 \expndtw-3
\charscalex100 Chapter 8.\tab \up0 \expndtw-3\charscalex100 Improving flood risk
management\expndtw0\charscalex100\tab \tab \up0 \expndtw-3\charscalex100 67\par
\pard\li1418\sb186\sl-253\slmult0\fi0\tx2738\tldot\tx10183\tx10231 \up0 \expndtw
-3\charscalex100 Chapter 9.\tab \up0 \expndtw-3\charscalex100 A national disaste
r risk and insurance agency\expndtw0\charscalex100\tab \tab \up0 \expndtw-3\char
scalex100 73\par\pard\li1418\sb184\sl-253\slmult0\fi0\tldot\tx10183\tx10231 \up0
\expndtw0\charscalex102 Chapter 10.\ul0\nosupersub\cf4\f5\fs22 \ul0\nosupersub
\cf16\f17\fs22
Other natural disasters\expndtw0\charscalex100\tab \tab \up0 \
expndtw-3\charscalex100 79\par\pard\li1418\sb186\sl-253\slmult0\fi0\tldot\tx1018
3\tx10231 \up0 \expndtw0\charscalex101 Chapter 11.\ul0\nosupersub\cf4\f5\fs22 \
ul0\nosupersub\cf16\f17\fs22
Addressing non-insurance\expndtw0\charscalex100\
tab \tab \up0 \expndtw-3\charscalex100 83\par\pard\li1418\sb184\sl-253\slmult0\f
i0\tldot\tx10183\tx10231 \up0 \expndtw0\charscalex100 C\ul0\nosupersub\cf17\f18\
fs18 HAPTER \ul0\nosupersub\cf16\f17\fs22 12.\ul0\nosupersub\cf4\f5\fs22 \ul0\n
osupersub\cf16\f17\fs22
R\ul0\nosupersub\cf17\f18\fs18 EDUCING UNDER\ul0\nosu
persub\cf16\f17\fs22 -\ul0\nosupersub\cf17\f18\fs18 INSURANCE OF HOMES\expndtw0\
charscalex100\tab \tab \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs
22 93\par\pard\li1418\sb186\sl-253\slmult0\fi0\tldot\tx10184\tx10231 \up0 \expnd
tw0\charscalex102 Chapter 13.\ul0\nosupersub\cf4\f5\fs22 \ul0\nosupersub\cf16\f
17\fs22
Consumer awareness\expndtw0\charscalex100\tab \tab \up0 \expndtw-3\ch
arscalex100 99\par\pard\li1418\sb185\sl-253\slmult0\fi0\tldot\tx10082 \up0 \expn
dtw0\charscalex100 C\ul0\nosupersub\cf17\f18\fs18 HAPTER \ul0\nosupersub\cf16\f1
7\fs22 14.\ul0\nosupersub\cf4\f5\fs22 \ul0\nosupersub\cf16\f17\fs22
C\ul0\no
supersub\cf17\f18\fs18 LAIMS HANDLING AND DISPUTE RESOLUTION\expndtw0\charscalex
100\tab \t \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 109\par\p
ard\li1418\sb186\sl-253\slmult0\fi0\tldot\tx10082 \up0 \expndtw0\charscalex100 C
hapter 15.\ul0\nosupersub\cf4\f5\fs22 \ul0\nosupersub\cf16\f17\fs22
Funding
the rebuilding of public infrastructure\expndtw0\charscalex100\tab \t \up0 \expn
dtw-3\charscalex100 123\par\pard\li1418\sb184\sl-253\slmult0\fi0\tldot\tx10082 \
up0 \expndtw0\charscalex101 Chapter 16.\ul0\nosupersub\cf4\f5\fs22 \ul0\nosuper
sub\cf16\f17\fs22
Implementation and transition\expndtw0\charscalex100\tab \t
\up0 \expndtw-3\charscalex100 127\par\pard\li1418\sb186\sl-253\slmult0\fi0\tldo
t\tx10082 \up0 \expndtw-2\charscalex100 A\ul0\nosupersub\cf17\f18\fs18 PPENDICES
\expndtw0\charscalex100\tab \t \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf1
6\f17\fs22 129\par\pard\li1418\sb184\sl-253\slmult0\fi0\tldot\tx10082 \up0 \expn
dtw-2\charscalex100 L\ul0\nosupersub\cf17\f18\fs18 IST OF SUBMISSIONS\expndtw0\c
harscalex100\tab \t \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22
136\par\pard\li1418\sb183\sl-253\slmult0\fi0\tldot\tx10083 \up0 \expndtw-2\chars
calex100 B\ul0\nosupersub\cf17\f18\fs18 IOGRAPHIES OF \ul0\nosupersub\cf16\f17\f
s22 R\ul0\nosupersub\cf17\f18\fs18 EVIEW \ul0\nosupersub\cf16\f17\fs22 P\ul0\nos
upersub\cf17\f18\fs18 ANEL \ul0\nosupersub\cf16\f17\fs22 M\ul0\nosupersub\cf17\f

18\fs18 EMBERS\expndtw0\charscalex100\tab \t \up0 \expndtw-3\charscalex100 \ul0\

nosupersub\cf16\f17\fs22 138\par\pard\li1418\sb187\sl-253\slmult0\fi0\tldot\tx10
082 \up0 \expndtw-2\charscalex100 S\ul0\nosupersub\cf17\f18\fs18 ECRETARIAT\expn
dtw0\charscalex100\tab \t \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17
\fs22 140\par\pard\li1418\sb183\sl-253\slmult0\fi0\tldot\tx10082 \up0 \expndtw-2
\charscalex100 C\ul0\nosupersub\cf17\f18\fs18 ONSULTANTS\expndtw0\charscalex100\
tab \t \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 140\par\pard\
li1418\sb187\sl-253\slmult0\fi0\tldot\tx10082 \up0 \expndtw-2\charscalex100 P\ul
0\nosupersub\cf17\f18\fs18 APERS PRODUCED FOR THE \ul0\nosupersub\cf16\f17\fs22
R\ul0\nosupersub\cf17\f18\fs18 EVIEW\expndtw0\charscalex100\tab \t \up0 \expndtw
-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 140\par\pard\li1418\sb184\sl-253\
slmult0\fi0\tldot\tx10082 \up0 \expndtw-2\charscalex100 S\ul0\nosupersub\cf17\f1
8\fs18 PEECHES\ul0\nosupersub\cf16\f17\fs22 /P\ul0\nosupersub\cf17\f18\fs18 RESE
NTATIONS\expndtw0\charscalex100\tab \t \up0 \expndtw-3\charscalex100 \ul0\nosupe
rsub\cf16\f17\fs22 141\par\pard\li1418\sb186\sl-253\slmult0\fi0\tldot\tx10082 \u
p0 \expndtw-2\charscalex100 A\ul0\nosupersub\cf17\f18\fs18 CRONYMS\expndtw0\char
scalex100\tab \t \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 148
\par\pard\li1418\sb184\sl-253\slmult0\fi0\tldot\tx10083 \up0 \expndtw-2\charscal
ex100 I\ul0\nosupersub\cf17\f18\fs18 NDEX\expndtw0\charscalex100\tab \t \up0 \ex
pndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 149\par\pard\ql \li5888\sb0\
sl-207\slmult0 \par\pard\ql\li5888\sb0\sl-207\slmult0 \par\pard\ql\li5888\sb0\sl
-207\slmult0 \par\pard\ql\li5888\sb0\sl-207\slmult0 \par\pard\ql\li5888\sb0\sl-2
07\slmult0 \par\pard\ql\li5888\sb0\sl-207\slmult0 \par\pard\ql\li5888\sb0\sl-207
\slmult0 \par\pard\ql\li5888\sb1\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \u
l0\nosupersub\cf6\f7\fs18 iv \par\pard\sect\sectd\fs24\paperw11900\paperh16820\p
ard\sb0\sl-240{\bkmkstart Pg6}{\bkmkend Pg6}\par\pard\ql \li1418\sb0\sl-368\slmu
lt0 \par\pard\ql\li1418\sb0\sl-368\slmult0 \par\pard\ql\li1418\sb0\sl-368\slmult
0 \par\pard\ql\li1418\sb0\sl-368\slmult0 \par\pard\ql\li1418\sb103\sl-368\slmult
0 \up0 \expndtw0\charscalex97 \ul0\nosupersub\cf7\f8\fs40 E\ul0\nosupersub\cf8\f
9\fs32 XECUTIVE SUMMARY \par\pard\ql \li1418\sb0\sl-264\slmult0 \par\pard\ql\li1
418\sb0\sl-264\slmult0 \par\pard\ql\li1418\sb150\sl-264\slmult0 \up0 \expndtw-3\
charscalex100 \ul0\nosupersub\cf9\f10\fs28 P\ul0\nosupersub\cf10\f11\fs22 URPOSE
AND \ul0\nosupersub\cf9\f10\fs28 N\ul0\nosupersub\cf10\f11\fs22 ATURE \ul0\nosu
persub\cf9\f10\fs28 O\ul0\nosupersub\cf10\f11\fs22 F \ul0\nosupersub\cf9\f10\fs2
8 T\ul0\nosupersub\cf10\f11\fs22 HE \ul0\nosupersub\cf9\f10\fs28 R\ul0\nosupersu
b\cf10\f11\fs22 EVIEW \par\pard\qj \li1418\ri1205\sb240\sl-260\slmult0 \up0 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 Following the series of storms,
floods and cyclones that affected many parts of Queensland and some \up0 \expnd
tw0\charscalex106 parts of Victoria in late 2010 and early 2011, the Assistant T
reasurer, the Hon Bill Shorten MP, \up0 \expndtw-2\charscalex100 announced on 4
March 2011 the Natural Disaster Insurance Review (the Review). \par\pard\qj \li1
418\ri1220\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex106 It was not these ex
treme weather events themselves that stimulated the Review, because the \up0 \ex
pndtw-1\charscalex100 insurance industry has demonstrated, in events such as the
Victorian bushfires in February 2009 and \up0 \expndtw0\charscalex102 the hails
torms in Melbourne and Perth in March 2010, that it has the financial capacity a
nd other \up0 \expndtw-3\charscalex100 resources needed to respond effectively t
o such events. \par\pard\qj \li1418\ri1227\sb240\sl-260\slmult0 \up0 \expndtw0\c
harscalex100 It was the absence of flood insurance for many policyholders, parti
cularly in Brisbane and Ipswich, \up0 \expndtw-3\charscalex100 that was the prim
ary stimulus for the Review. \par\pard\qj \li1418\ri1213\sb240\sl-260\slmult0 \u
p0 \expndtw0\charscalex103 For all natural disasters other than flood, insurance
cover for homes has been widely available in \up0 \expndtw-2\charscalex100 Aust
ralia for many years. A high proportion of Australian homeowners have insurance
cover for their \up0 \expndtw0\charscalex100 homes and this provides cover for s
torms, earthquakes, bushfires and cyclones. Many homeowners \up0 \expndtw-2\char
scalex100 and renters also have corresponding cover for the contents of their ho
mes. \par\pard\qj \li1418\ri1223\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex1
00 The fact that all home insurance policies cover storm damage including relate
d water damage but \up0 \expndtw0\charscalex100 many do not cover flood damage,

which distinction is seen as arcane and artificial by many, led to a \up0 \expnd
tw0\charscalex106 community backlash against insurers during 2011 and considerab
le distress, financial loss and \up0 \expndtw-3\charscalex100 disillusionment fo
r many insured homeowners. \par\pard\qj \li1418\ri1208\sb240\sl-260\slmult0 \up0
\expndtw0\charscalex105 Hence the theme of the Review, arising from the flood c
overage problem and the full Terms of \line \up0 \expndtw0\charscalex105 Referen
ce of the Review, is the availability and affordability of insurance offered by
the private \line \up0 \expndtw-2\charscalex100 insurance market, with particula
r reference to flood but also including other natural disasters. \par\pard\qj \l
i1418\ri1237\sb240\sl-260\slmult0 \up0 \expndtw-2\charscalex100 There are also o
ther issues dealt with in this Review. There is evidence of under insurance, whi
ch has \line \up0 \expndtw0\charscalex104 become most apparent after total losse
s that have occurred in bushfires and are also seen after \line \up0 \expndtw0\c
harscalex104 cyclones and floods. There are also some indications that affordabi
lity is emerging as a genuine \line \up0 \expndtw0\charscalex100 problem for cyc
lone insurance in far north Queensland. There are issues around consumers\u8217?
access \line \up0 \expndtw0\charscalex100 to information and documentation in a
form they can readily understand, given that insurance is a \line \up0 \expndtw
0\charscalex102 complex product increasingly transacted through direct sales and
renewals by telephone and the \line \up0 \expndtw0\charscalex102 internet unde
r a \up0 \expndtw0\charscalex103 \u8216?no advice\u8217? model. There are
also some questions about insurers\u8217? claims \par\pard\ql \li1418\sb6\s
l-253\slmult0 \up0 \expndtw-2\charscalex100 performance and the degree of indepe
ndence of some of their internal dispute resolution processes. \par\pard\qj \li1
418\ri1232\sb242\sl-260\slmult0 \up0 \expndtw0\charscalex102 The Terms of Refere
nce also specifically asked the Review Panel to consider whether the existing \u
p0 \expndtw0\charscalex102 Commonwealth and State arrangements for dealing with
natural disaster recovery and resilience \up0 \expndtw-3\charscalex100 require s
upplementation. \par\pard\qj \li1418\ri1209\sb240\sl-260\slmult0 \up0 \expndtw-1
\charscalex100 The Review Panel published an Issues Paper on 2 June 2011 and rec
eived in response more than 100 \line \up0 \expndtw0\charscalex102 submissions f
rom both private individuals and organisations, including insurers, governments
and \line \up0 \expndtw-2\charscalex100 government agencies, consumer groups and
various experts. Panel members consulted directly, both \line \up0 \expndtw-2\c
harscalex100 individually and collectively, with representatives of insurers, lo
cal and state governments, consumer \line \up0 \expndtw-2\charscalex100 groups a
nd community representatives including some affected by the floods and cyclone.
\par\pard\ql \li5902\sb0\sl-207\slmult0 \par\pard\ql\li5902\sb0\sl-207\slmult0 \
par\pard\ql\li5902\sb0\sl-207\slmult0 \par\pard\ql\li5902\sb0\sl-207\slmult0 \pa
r\pard\ql\li5902\sb0\sl-207\slmult0 \par\pard\ql\li5902\sb0\sl-207\slmult0 \par\
pard\ql\li5902\sb2\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\
cf6\f7\fs18 1 \par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{
\bkmkstart Pg7}{\bkmkend Pg7}\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418
\sb0\sl-207\slmult0\par\pard\li1418\sb31\sl-207\slmult0\fi7554 \up0 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf1\f2\fs18 Executive summary\par\pard\li1418\sb0\s
l-322\slmult0\par\pard\li1418\sb182\sl-322\slmult0\fi0 \up0 \expndtw-3\charscale
x100 \ul0\nosupersub\cf9\f10\fs28 F\ul0\nosupersub\cf10\f11\fs22 LOOD INSURANCE\
par\pard\ql \li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb55\sl-299\slmult0 \
up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf18\f19\fs26 The underlying flood
insurance problem for the community \par\pard\qj \li1418\ri1209\sb254\sl-260\slm
ult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 There is a serious
community issue around the availability and affordability of flood insurance. I
t is \up0 \expndtw0\charscalex100 essentially a coverage issue. When floods occu
r, individuals and the community often suffer severe \up0 \expndtw-1\charscalex1
00 economic and social losses; these losses are exacerbated by the fact that man
y policyholders do not \up0 \expndtw0\charscalex104 have flood cover, leading to
financial hardship that impedes personal and community recovery. \up0 \expndtw0
\charscalex100 Further, any attempted resolution of the coverage problem leads d
irectly to access problems: some \up0 \expndtw0\charscalex100 policyholders cann
ot obtain flood cover and, among those who can, there will be some who do not \u

p0 \expndtw-2\charscalex100 purchase the cover, for various reasons, including i

n many cases its high price. Experience also shows \up0 \expndtw-2\charscalex100
that those most exposed to the risk of flood are the least likely to purchase i
t. \par\pard\qj \li1418\ri1230\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex103
The coverage aspect of the flood insurance problem can be described as the \ul0
\nosupersub\cf19\f20\fs22 consumer\u8217?s disaster \up0 \expndtw-3\charscalex10
0 insurance paradox\ul0\nosupersub\cf4\f5\fs22 : \par\pard\li1985\sb248\sl-253\s
lmult0\fi0\tx2551 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u
8226?\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 all home and
contents policies include, as a matter of course, cover for:\par\pard\li1985\sb
246\sl-253\slmult0\fi566 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf20\f21\
fs22 -\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 fire (includi
ng bushfire);\par\pard\ql \li2551\sb246\sl-253\slmult0 \up0 \expndtw0\charscalex
102 \ul0\nosupersub\cf20\f21\fs22 -\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersu
b\cf4\f5\fs22 earthquake; \par\pard\ql \li1985\ri5223\sb43\sl-500\slmult0\fi56
6 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf20\f21\fs22 -\ul0\nosupersub\c
f11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 storm (including rain, wind and cycl
one); \line \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf19\f20\fs22 and\ul0\
nosupersub\cf4\f5\fs22 the policyholder cannot opt-out \line \up0 \expndtw-3\ch
arscalex100 \ul0\nosupersub\cf19\f20\fs22 but \par\pard\ql \li1985\sb205\sl-253\
slmult0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u822
6? \tab \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 many home and
contents policies exclude cover for flood; \par\pard\ql \li1985\sb247\sl-253\slm
ult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf19\f20\fs22 and\ul0\nosuper
sub\cf4\f5\fs22 , if the cover is offered, in many cases the policyholder can an
d does opt-out. \par\pard\qj \li1418\ri1229\sb242\sl-260\slmult0 \up0 \expndtw0\
charscalex100 Hence the absence of flood cover for many insured properties and t
he associated combination of \up0 \expndtw0\charscalex102 uncertainty and disput
es around insurance claims when floods do occur is the primary problem \up0 \exp
ndtw-3\charscalex100 confronting the Review Panel. \par\pard\qj \li1526\ri1331\s
b240\sl-260\slmult0 \up0 \expndtw-2\charscalex100 There are approximately 6.6 mi
llion detached houses in Australia and around 1 to 2 million other \up0 \expndtw
-3\charscalex100 dwellings, including terrace houses and home units. \par\pard\q
j \li1526\ri1327\sb224\sl-280\slmult0 \up0 \expndtw-2\charscalex100 Perhaps 5 pe
r cent to 10 per cent of dwellings are subject to flood risk, or approximately 4
50,000 \up0 \expndtw-3\charscalex100 houses along with approximately 100,000 hom
e units. \par\pard\ql \li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb0\sl-299\
slmult0 \par\pard\ql\li1418\sb27\sl-299\slmult0 \up0 \expndtw-5\charscalex100 \u
l0\nosupersub\cf18\f19\fs26 The constraints \par\pard\qj \li1418\ri1233\sb254\sl
-260\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 The Review
Panel is well aware that any steps taken to improve the availability of flood i
nsurance \up0 \expndtw-3\charscalex100 need to take into account that: \par\pard
\li1985\sb247\sl-253\slmult0\fi0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosup
ersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf
4\f5\fs22 flood cover for those homes with a high flood risk can result in high
insurance premiums\par\pard\li1985\sb9\sl-253\slmult0\fi566 \up0 \expndtw-3\char
scalex100 leading to problems of affordability;
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}}

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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 151323
90}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g8}{\bkmkend Pg8}\par\pard\ql \li8973\sb0\sl-207\slmult0 \par\pard\ql\li8973\sb0

\sl-207\slmult0 \par\pard\ql\li8973\sb14\sl-207\slmult0 \up0 \expndtw-2\charscal

ex100 \ul0\nosupersub\cf1\f2\fs18 Executive summary \par\pard\ql \li1985\sb0\sl253\slmult0 \par\pard\ql\li1985\sb242\sl-253\slmult0\tx2551 \up0 \expndtw-3\char
scalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226? \tab \up0 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf4\f5\fs22 to maintain a competitive insurance market, insur
ers need control over their flood risk \par\pard\qj \li2551\ri1216\sb2\sl-260\sl
mult0 \up0 \expndtw-1\charscalex100 exposures and accumulations, adequate inform
ation for pricing and underwriting, and \up0 \expndtw-1\charscalex100 the abilit
y to seek commercial prices for any flood risks that they underwrite; and \par\p
ard\ql \li1985\sb246\sl-253\slmult0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf20\f21\fs22 \u8226? \tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf4\f5\fs22 there has been sub-optimal risk management of flood-prone land and
buildings in the \par\pard\qj \li2551\ri1233\sb2\sl-260\slmult0 \up0 \expndtw0\
charscalex103 past. Accordingly any new arrangements to facilitate improved insu
rance coverage \line \up0 \expndtw-2\charscalex100 should also encourage, either
of themselves or in conjunction with separate initiatives, \line \up0 \expndtw0
\charscalex106 improved flood risk management (that is, improved flood risk meas
urement and \line \up0 \expndtw-3\charscalex100 mitigation). \par\pard\ql \li141
8\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb69\sl-299\slmult0 \up0 \expndtw-3\cha
rscalex100 \ul0\nosupersub\cf18\f19\fs26 Dealing with flood insurance \u8212? th
e key recommendations \par\pard\qj \li1418\ri1209\sb234\sl-260\slmult0 \up0 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 The Review Panel is recommendin
g an integrated solution to the availability and affordability of flood \up0 \ex
pndtw0\charscalex102 insurance and has been able to identify five essential requ
irements that would need to be met by \up0 \expndtw-3\charscalex100 such a solut
ion: \par\pard\li1418\sb0\sl-253\slmult0\par\pard\li1418\sb11\sl-253\slmult0\fi0
\tx1985 \up0 \expndtw-1\charscalex100 1\tab \up0 \expndtw0\charscalex100 All hom
e insurance, home contents insurance and body corporate insurance products need
to\par\pard\li1418\sb6\sl-253\slmult0\fi566 \up0 \expndtw-1\charscalex100 includ
e flood cover.\par\pard\li1418\sb249\sl-253\slmult0\fi0\tx1985 \up0 \expndtw-1\c
harscalex100 2\tab \up0 \expndtw0\charscalex100 Discounted insurance premiums ar
e needed for homes, home contents and home units in\par\pard\li1418\sb6\sl-253\s
lmult0\fi566 \up0 \expndtw0\charscalex100 areas of medium and high flood risk, s
o as to render flood insurance affordable.\par\pard\li1418\sb246\sl-253\slmult0\
fi0\tx1985 \up0 \expndtw-1\charscalex100 3\tab \up0 \expndtw0\charscalex100 Nati
onal coordination of flood risk measurement and mitigation is needed, in order t
o improve\par\pard\li1418\sb9\sl-253\slmult0\fi566 \up0 \expndtw0\charscalex100
flood risk management for the benefit of the community generally and to ensure t
he\par\pard\li1418\sb6\sl-253\slmult0\fi566 \up0 \expndtw-1\charscalex100 contin
uing development of a competitive market for flood insurance.\par\pard\li1418\sb
246\sl-253\slmult0\fi0\tx1985 \up0 \expndtw-1\charscalex100 4\tab \up0 \expndtw0
\charscalex100 A mechanism is needed to fund the discounts that are to be offere
d for affordability purposes.\par\pard\li1418\sb249\sl-253\slmult0\fi0\tx1985 \u
p0 \expndtw-1\charscalex100 5\tab \up0 \expndtw0\charscalex100 Insurers will nee
d access to a government-sponsored reinsurance facility if they are to deliver\p
ar\pard\ql \li1985\sb1\sl-238\slmult0 \up0 \expndtw-2\charscalex100 flood insura
nce discounts without compromising their own commercial positions. \par\pard\qj
\li1418\ri1213\sb244\sl-260\slmult0 \up0 \expndtw0\charscalex103 In designing a
set of arrangements to meet these five requirements, it is important not to crea
te \line \up0 \expndtw-2\charscalex100 perverse outcomes that encourage further
residential development in areas subject to flood risk. \par\pard\ql \li1418\sb2
46\sl-253\slmult0 \up0 \expndtw-2\charscalex100 To meet these requirements, the
Panel is making four pivotal recommendations. They are: \par\pard\ql \li1526\sb0
\sl-253\slmult0 \par\pard\ql\li1526\sb114\sl-253\slmult0 \up0 \expndtw-3\charsca
lex100 \ul0\nosupersub\cf16\f17\fs22 Pivotal Recommendation 1: Architecture \par
\pard\qj \li1526\ri1321\sb113\sl-270\slmult0 \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf4\f5\fs22 That an agency sponsored by the Commonwealth Government b
e created to manage the national \up0 \expndtw-1\charscalex100 coordination of f
lood risk management and to operate a system of premium discounts and a flood \u
p0 \expndtw-1\charscalex100 risk reinsurance facility, supported by a funding gu

arantee from the Commonwealth. \par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard

\qj\li1418\ri1225\sb259\sl-260\slmult0 \up0 \expndtw0\charscalex100 While this n
ew agency would need to be established under Commonwealth legislation, to functi
on \up0 \expndtw0\charscalex100 effectively it would need to operate along the l
ines of a joint venture between the Commonwealth, \up0 \expndtw-3\charscalex100
the States and the insurance industry. \par\pard\qj \li1418\ri1226\sb240\sl-260\
slmult0 \up0 \expndtw0\charscalex110 Given the right level of expertise and auth
ority, the right kind of governance structure and \up0 \expndtw0\charscalex103 a
ccountability, and a brief to apply itself exclusively to these matters, a singl
e agency of this kind \up0 \expndtw0\charscalex107 would have the wherewithal to
succeed where previous efforts of cooperation, in good faith, \up0 \expndtw-2\c
harscalex100 amongst a myriad of agencies and departments of government (Commonw
ealth, State and local) and \up0 \expndtw-3\charscalex100 insurers have yielded
limited results.
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g9}{\bkmkend Pg9}\par\pard\ql \li8973\sb0\sl-207\slmult0 \par\pard\ql\li8973\sb0
\sl-207\slmult0 \par\pard\ql\li8973\sb14\sl-207\slmult0 \up0 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf1\f2\fs18 Executive summary \par\pard\ql \li1526\sb0\sl253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb129\sl253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Pivotal
Recommendation 2: Availability \par\pard\ql \li1526\sb127\sl-253\slmult0 \up0 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That all home insurance, home
contents and home unit insurance policies include flood cover. \par\pard\qj \li
1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1227\sb242\sl-260\slmult0 \up0 \ex
pndtw0\charscalex100 While acknowledging that many insurers are working hard to
extend the availability of flood cover, \up0 \expndtw-3\charscalex100 their init
iatives alone will not meet the community need. \par\pard\ql \li1526\sb0\sl-253\
slmult0 \par\pard\ql\li1526\sb113\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \
ul0\nosupersub\cf16\f17\fs22 Pivotal Recommendation 3: Affordability \par\pard\q
j \li1526\ri1321\sb113\sl-270\slmult0 \up0 \expndtw0\charscalex107 \ul0\nosupers
ub\cf4\f5\fs22 That a system of premium discounts be introduced in order that mo
st purchasers of home \up0 \expndtw-2\charscalex100 insurance, home contents and
home unit insurance policies in areas subject to flood risk be eligible \up0 \e
xpndtw-3\charscalex100 for discounts against the full cost of flood insurance. \
par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1219\sb239\sl-260\s
lmult0 \up0 \expndtw0\charscalex100 The nature of flood risk, whereby flood pron
e land can be identified because it has a higher risk of \up0 \expndtw0\charscal
ex100 flood than other land, can lead to high insurance premiums for flood cover
in these locations with \up0 \expndtw-2\charscalex100 the result that flood cov
er, if available, will generally be seen as unaffordable. \par\pard\ql \li1526\s
b0\sl-253\slmult0 \par\pard\ql\li1526\sb133\sl-253\slmult0 \up0 \expndtw-3\chars
calex100 \ul0\nosupersub\cf16\f17\fs22 Pivotal Recommendation 4: Funding \par\pa
rd\qj \li1526\ri1334\sb93\sl-270\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf4\f5\fs22 The Commonwealth Government guarantee the payment of claims b
y ensuring that, whenever a \up0 \expndtw0\charscalex100 funding shortfall occu
rs in the reinsurance facility through claims exceeding the funds held in the \u
p0 \expndtw0\charscalex108 facility, the Commonwealth would meet the shortfall a
nd the Commonwealth would seek \up0 \expndtw0\charscalex104 reimbursement of a p
ortion of the shortfall from the State or Territory government in whose \up0 \ex

pndtw-3\charscalex100 jurisdiction the flood occurred. \par\pard\qj \li1418\sb0\

sl-240\slmult0 \par\pard\qj\li1418\sb0\sl-240\slmult0 \par\pard\qj\li1418\ri1218
\sb55\sl-240\slmult0 \up0 \expndtw-1\charscalex100 The existence of such a guara
ntee would ensure that discounts offered for affordability purposes do \up0 \exp
ndtw-3\charscalex100 not increase the premiums for householders with no flood ri
sk. \par\pard\qj \li1418\sb0\sl-257\slmult0 \par\pard\qj\li1418\ri1226\sb9\sl-25
7\slmult0 \up0 \expndtw0\charscalex107 It is notable that these four pivotal rec
ommendations represent an integrated system. A new \line \up0 \expndtw0\charscal
ex102 government-sponsored agency charged with national coordination of flood ri
sk management and \line \up0 \expndtw-1\charscalex100 with operating the system
of premium discounts and the flood risk reinsurance facility, supported by \line
\up0 \expndtw0\charscalex100 a funding guarantee from the Commonwealth, would c
reate the capacity to deliver flood insurance \line \up0 \expndtw0\charscalex102
premium discounts, and also to influence flood risk mitigation and ensure the a
vailability of flood \line \up0 \expndtw0\charscalex103 insurance to all relevan
t policyholders. Flood insurance premium discounts are a prerequisite for \line
\up0 \expndtw0\charscalex100 homeowners to be able to afford to purchase flood c
over, which in turn makes it possible to deliver \line \up0 \expndtw0\charscalex
108 on the Review Panel\u8217?s conclusion that unequivocal insurance coverage f
or flood is central to \line \up0 \expndtw-3\charscalex100 addressing the commun
ity need. \par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1216\sb1
\sl-260\slmult0 \up0 \expndtw0\charscalex100 It is important to note that, in re
commending that flood cover be included in all home contents and \up0 \expndtw0\
charscalex100 home unit insurance policies, the Review Panel is not recommending
that insurance itself be made \up0 \expndtw0\charscalex100 compulsory. There ne
ed also be no increase in premiums for policyholders who have no flood risk \up0
\expndtw-3\charscalex100 and no cross subsidisation of insurance premiums among
policyholders. \par\pard\qj \li1418\ri1239\sb240\sl-260\slmult0 \up0 \expndtw0\
charscalex104 By way of further explanation of the recommended new national agen
cy, it would have two key \line \up0 \expndtw0\charscalex100 functions, national
coordination of flood risk management and operating the flood risk reinsurance
\line \up0 \expndtw-3\charscalex100 facility. \par\pard\ql \li1418\sb246\sl-253\
slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 National coo
rdination of flood risk management \par\pard\qj \li1418\ri1231\sb222\sl-260\slmu
lt0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 Working with State
and local governments and insurers, this new agency would be the focal point of
\up0 \expndtw-3\charscalex100 activities and responsibilities such as:
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g10}{\bkmkend Pg10}\par\pard\ql \li8973\sb0\sl-207\slmult0 \par\pard\ql\li8973\s
b0\sl-207\slmult0 \par\pard\ql\li8973\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Executive summary \par\pard\li1418\sb0\sl-25
3\slmult0\par\pard\li1418\sb253\sl-253\slmult0\fi566\tx2551\tx7389 \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf4\f5\fs22 coordinating flood mapping across the
country\tab \up0 \expndtw-1\charscalex100 (while leaving responsibility for\p
ar\pard\li1418\sb7\sl-253\slmult0\fi1132 \up0 \expndtw0\charscalex100 undertakin
g flood mapping in the hands of State governments and their councils);\par\pard\
li1418\sb249\sl-253\slmult0\fi566\tx2551 \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf
4\f5\fs22 introducing national guidelines for flood risk mapping and classificat
ions;\par\pard\li1418\sb246\sl-253\slmult0\fi566\tx2551 \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw0\charscalex100 \ul
0\nosupersub\cf4\f5\fs22 acting as a national repository of or portal for flood
risk information, primarily through\par\pard\li1418\sb6\sl-253\slmult0\fi1132 \u
p0 \expndtw-1\charscalex100 collating and analysing information collected by oth
ers;\par\pard\li1418\sb249\sl-253\slmult0\fi566\tx2551 \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw0\charscalex100 \ul0
\nosupersub\cf4\f5\fs22 continuing development of the Insurance Council\u8217?s
National Flood Insurance Database\par\pard\li1418\sb6\sl-253\slmult0\fi1132 \up0
\expndtw-1\charscalex100 (NFID) or an equivalent developed by the new agency;\p
ar\pard\li1418\sb246\sl-253\slmult0\fi566\tx2551 \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw0\charscalex100 \ul0\nosup
ersub\cf4\f5\fs22 monitoring the effectiveness of flood risk mitigation initiati
ves across the country and\par\pard\li1418\sb9\sl-253\slmult0\fi1132 \up0 \expnd
tw-1\charscalex100 advising on priorities for flood risk mitigation;\par\pard\li
1418\sb246\sl-253\slmult0\fi566\tx2551 \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\
f5\fs22 publishing and disseminating flood risk information in formats appropria
te to the\par\pard\li1418\sb6\sl-253\slmult0\fi1132 \up0 \expndtw-1\charscalex10
0 various user groups; and\par\pard\li1418\sb249\sl-253\slmult0\fi566\tx2551 \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 overseeing the quality of the flo
od risk information.\par\pard\li1418\sb246\sl-253\slmult0\fi0 \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf16\f17\fs22 The flood risk reinsurance facility\pa
r\pard\li1418\sb247\sl-253\slmult0\fi0 \up0 \expndtw0\charscalex100 \ul0\nosuper
sub\cf4\f5\fs22 The reinsurance facility would be operated by the agency in conj
unction with flood risk measurement\par\pard\li1418\sb6\sl-253\slmult0\fi0 \up0
\expndtw-1\charscalex100 activities and would have three key attributes:\par\par
d\li1418\sb246\sl-253\slmult0\fi566\tx2551 \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\
cf4\f5\fs22 insurers to be able to use the facility to give discounts on floo
d insurance for\par\pard\li1418\sb9\sl-253\slmult0\fi1132 \up0 \expndtw-1\char
scalex100 affordability purposes;\par\pard\li1418\sb246\sl-253\slmult0\fi566\tx2
551 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0
\expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 insurers to be able to use

the facility as a source of reinsurance capacity for flood cover\par\pard\li1418

\sb6\sl-253\slmult0\fi1132 \up0 \expndtw-1\charscalex100 more generally; and\par
\pard\ql \li1985\sb237\sl-253\slmult0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf20\f21\fs22 \u8226? \tab \up0 \expndtw-3\charscalex100 \ul0\nosuper
sub\cf4\f5\fs22 the discounts in particular and the facility in general to be fu
nded if and when necessary \par\pard\qj \li2551\ri1207\sb2\sl-260\slmult0 \up0 \
expndtw0\charscalex106 by claim subsidies from the Commonwealth Government to th
e facility, under a \up0 \expndtw-1\charscalex100 Commonwealth Government guara
ntee, and supplemented by contributions from the \up0 \expndtw-2\charscalex100 g
overnment of the State in which the event causing the funding shortfall occurs.
\par\pard\ql \li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb69\sl-299\slmult0
\up0 \expndtw-5\charscalex100 \ul0\nosupersub\cf18\f19\fs26 Small business \par\
pard\qj \li1418\ri1225\sb234\sl-260\slmult0 \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf4\f5\fs22 The absence of flood cover for many insured businesses has
similar consequences to the absence of \up0 \expndtw-4\charscalex100 flood cove
r for home and contents. The Review Panel also notes, however, that the recovery
of small \up0 \expndtw-3\charscalex100 businesses after a natural disaster, whe
ther flood or otherwise, is critical to the recovery of the local \up0 \expndtw4\charscalex100 economy and hence the local community. \par\pard\qj \li1418\ri12
16\sb240\sl-260\slmult0 \up0 \expndtw-4\charscalex100 The Review Panel would hav
e preferred to see flood cover offered as standard to small business with \up0 \
expndtw-4\charscalex100 no opt-out as with homes. It accepts, however, that such
a position could not reasonably be imposed \up0 \expndtw0\charscalex107 at this
time, especially as the Review Panel is not proposing to see discounts introduc
ed for \up0 \expndtw0\charscalex100 affordability purposes for small business or
access by insurers to the reinsurance facility for small \up0 \expndtw0\charsca
lex102 business flood insurance. Nevertheless there is still an important need f
or flood insurance to be \up0 \expndtw0\charscalex102 made more widely available
to small business and for some steps to be taken to encourage and \up0 \expndtw
-3\charscalex100 promote a greater take-up of flood cover by small businesses. \
par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg11
}{\bkmkend Pg11}\par\pard\ql \li8973\sb0\sl-207\slmult0 \par\pard\ql\li8973\sb0\
sl-207\slmult0 \par\pard\ql\li8973\sb14\sl-207\slmult0 \up0 \expndtw-2\charscale
x100 \ul0\nosupersub\cf1\f2\fs18 Executive summary \par\pard\ql \li1526\sb0\sl-2
53\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb129\sl-2
53\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recommend
ation: Small business \par\pard\qj \li1526\ri1311\sb122\sl-260\slmult0 \up0 \exp
ndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That all insurers offering small
business insurance be obliged to include flood cover on an opt-out \up0 \expndt
w-2\charscalex100 basis, instead of opt in/opt-out as at present, in all of thei
r small business package policies. \par\pard\qj \li1418\sb0\sl-260\slmult0 \par\
pard\qj\li1418\ri1204\sb260\sl-260\slmult0 \up0 \expndtw-2\charscalex100 The Rev
iew Panel believes that the questions of flood cover as standard in small busine
ss policies and \up0 \expndtw0\charscalex107 access to discounted premiums for s
mall business policyholders should be revisited once the \up0 \expndtw-2\charsca
lex100 recommended arrangements for homes, home units and contents are in place.
\par\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0
\par\pard\ql\li1418\sb20\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosup
ersub\cf9\f10\fs28 O\ul0\nosupersub\cf10\f11\fs22 THER ISSUES \par\pard\ql \li14
18\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb90\sl-299\slmult0 \up0 \expndtw-3\ch
arscalex100 \ul0\nosupersub\cf18\f19\fs26 Cyclones \par\pard\qj \li1418\ri1213\s
b234\sl-260\slmult0 \up0 \expndtw0\charscalex105 \ul0\nosupersub\cf4\f5\fs22 Bec
ause cyclones are treated by insurers as storms, all insured homes and home unit
s have full \up0 \expndtw-2\charscalex100 cyclone coverage. As a result, for exa
mple, policyholders with claims for loss or damage from Cyclone \up0 \expndtw0\c
harscalex100 Yasi have, on the whole, been dealt with effectively by their insur
ers. As renewals occur of policies \up0 \expndtw0\charscalex105 taken out befo
re Cyclone Yasi, however, some very large premium increases, sometimes
\up0 \expndtw-2\charscalex100 300 per cent or more, are being sought by insurers
, especially for home units. \par\pard\qj \li1418\ri1216\sb240\sl-260\slmult0 \u

p0 \expndtw-1\charscalex100 Such extreme price increases can occur for several r

easons but, irrespective of the reasons, they are \up0 \expndtw-2\charscalex100
presenting immediate affordability problems and can also cause continuing proble
ms. \par\pard\qj \li1418\ri1225\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex10
2 The Review Panel has not had the means or the time to investigate fully the ca
uses of these price \up0 \expndtw0\charscalex109 increases but it does accept th
at there is, prima facie, an affordability problem. The Panel is \up0 \expndtw-3
\charscalex100 therefore making a two-stage recommendation: \par\pard\ql \li1526
\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb113\sl-253\slmult0 \up0 \expndtw-3\cha
rscalex100 \ul0\nosupersub\cf16\f17\fs22 Recommendation: Cyclones \par\pard\ql \
li1526\ri1328\sb117\sl-266\slmult0\tx1810\tx1810\tx1810 \up0 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0\nosupersub\cf13\f14\fs20 \ul0\n
osupersub\cf4\f5\fs22 The Agency offer cover to insurers for cyclone risk, on
the same basis as for flood risk, but with \line\tab \up0 \expndtw-3\charscalex1
00 no affordability discounts (in the expectation that, when the Agency does its
own pricing, it will \line\tab \up0 \expndtw-3\charscalex100 offer a fair price
to home and home unit owners; this price may be lower but is not guaranteed \li
ne\tab \up0 \expndtw-4\charscalex100 to be lower than the prices of commercial i
nsurers); and \par\pard\ql \li1526\ri1333\sb251\sl-270\slmult0\tx1810\tx1810 \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0\nosupersub\
cf13\f14\fs20 \ul0\nosupersub\cf4\f5\fs22 an investigation be undertaken to a
scertain whether there is a basis for granting affordability \line\tab \up0 \exp
ndtw-1\charscalex100 discounts for cyclone risk, along the lines of the recommen
ded flood insurance discounts, for \line\tab \up0 \expndtw-3\charscalex100 homes
and home units in northern Australia. \par\pard\ql \li1418\sb0\sl-299\slmult0 \
par\pard\ql\li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb29\sl-299\slmult0 \u
p0 \expndtw-5\charscalex100 \ul0\nosupersub\cf18\f19\fs26 Replacement value and
sum insured \par\pard\qj \li1418\ri1209\sb254\sl-260\slmult0 \up0 \expndtw-3\cha
rscalex100 \ul0\nosupersub\cf4\f5\fs22 Most insurers limit their cover to a sum
insured specified by the policyholder for both home building \up0 \expndtw-1\cha
rscalex100 and contents. Some insurers, however, offer full replacement or reins
tatement cover on the home \up0 \expndtw-2\charscalex100 itself in the event of
a total loss. Generally neither the homeowner nor the insurer knows how closely
\up0 \expndtw-3\charscalex100 the sum insured corresponds to the replacement val
ue. \par\pard\qj \li1418\ri1214\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex10
3 Whenever there are disasters that cause homes to be total losses, the level of
under insurance \up0 \expndtw-2\charscalex100 becomes visible. This phenomenon
is most evident in bushfires. In both the 2003 Canberra bushfire \up0 \expndtw-2
\charscalex100 and the 2009 Victorian bushfires the levels of under insurance we
re severe, typically 30 per cent or \up0 \expndtw-3\charscalex100 more, except f
or homeowners whose policies offered replacement cover.
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{\shp {\*\shpinst\shpleft1526\shptop11097\shpright10385\shpbottom11606\shpfhdr0\
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g12}{\bkmkend Pg12}\par\pard\ql \li8973\sb0\sl-207\slmult0 \par\pard\ql\li8973\s
b0\sl-207\slmult0 \par\pard\ql\li8973\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Executive summary \par\pard\qj \li1418\sb0\s
l-260\slmult0 \par\pard\qj\li1418\ri1220\sb230\sl-260\slmult0 \up0 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf4\f5\fs22 By contrast, most other claims, being pa
rtial losses only, are covered by insurers on a replacement or \up0 \expndtw-2\c
harscalex100 reinstatement basis, so long as the loss does not exceed the sum in
sured. \par\pard\qj \li1418\ri1207\sb240\sl-260\slmult0 \up0 \expndtw-1\charscal
ex100 It is widely accepted, within and outside the insurance industry, that rep
lacement cover is a superior \up0 \expndtw0\charscalex100 product for the homeow
ner to cover for a specified maximum sum insured. Nevertheless there are \up0 \e
xpndtw0\charscalex105 complexities and competitive problems for insurers to make
a transition to replacement cover. \up0 \expndtw-1\charscalex100 Further, there
is an adverse cycle occurring where some owners deliberately under-insure, to r
educe \up0 \expndtw0\charscalex100 their premiums, causing cross subsidies from
those who do not knowingly under-insure, leading to \up0 \expndtw-2\charscalex10
0 insurers having to increase premiums for the lower (inadequate) sums insured.
\par\pard\qj \li1418\ri1212\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex104 In
order to address \ul0\nosupersub\cf22\f23\fs22 under-insurance\ul0\nosupersub\c

f4\f5\fs22 and to break the cycle of chronic under-statement of sums \up0 \expn
dtw0\charscalex108 insured, the Review Panel is recommending that insurers make
the transition to offering full \up0 \expndtw-2\charscalex100 replacement cover,
but that they be given some reasonable lead time to do so. \par\pard\ql \li1526
\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb113\sl-253\slmult0 \up0 \expndtw-3\cha
rscalex100 \ul0\nosupersub\cf16\f17\fs22 Recommendation: Replacement Value \par\
pard\qj \li1526\ri1325\sb122\sl-260\slmult0 \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf4\f5\fs22 All home building insurance policies offering sum insured
cover be modified by the end of 2014 so \up0 \expndtw-2\charscalex100 as to offe
r full replacement cover in the event of total loss of the home. \par\pard\ql \l
i1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb0\sl-299\slmult0 \par\pard\ql\li1
418\sb50\sl-299\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf18\f19\f
s26 Consumer matters \par\pard\ql \li1418\sb239\sl-253\slmult0 \up0 \expndtw-3\c
harscalex100 \ul0\nosupersub\cf16\f17\fs22 Claims and internal dispute resolutio
n \par\pard\qj \li1418\ri1219\sb242\sl-260\slmult0 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf4\f5\fs22 The Review Panel is making a number of recommendati
ons to improve policyholders\u8217? claims handling \up0 \expndtw-3\charscalex10
0 and dispute resolution experience. \par\pard\ql \li1526\sb0\sl-253\slmult0 \pa
r\pard\ql\li1526\sb113\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosuper
sub\cf16\f17\fs22 Recommendation: Claims and Dispute resolution \par\pard\qj \li
1526\ri1335\sb113\sl-270\slmult0 \up0 \expndtw0\charscalex103 \ul0\nosupersub\cf
4\f5\fs22 The Code of Practice be modified to provide for a maximum 4 months to
claims determination \up0 \expndtw-1\charscalex100 (that is, a decision to accep
t or reject liability for a claim) subject to exceptional circumstances, for \up
0 \expndtw-2\charscalex100 all claims including during natural disasters. \par\p
ard\qj \li1526\ri1324\sb230\sl-270\slmult0 \up0 \expndtw0\charscalex100 Internal
dispute resolution processes be independent of the claims department, IDR compl
aints \up0 \expndtw0\charscalex102 and disputes officers have the authority to o
verturn the original decisions and to accept claims, \up0 \expndtw-2\charscalex1
00 and a general fairness test be applied to claims and complaints handling. \pa
r\pard\qj \li1526\ri1324\sb230\sl-270\slmult0 \up0 \expndtw0\charscalex102 The C
ode Compliance Committee members be appointed by the Financial Ombudsman Service
\up0 \expndtw0\charscalex104 Board, record all breaches of the Code reported to
it, investigate breaches of the Code where \up0 \expndtw-1\charscalex100 approp
riate, conduct regular audits of insurance companies for compliance with the Cod
e, report \up0 \expndtw0\charscalex100 serious or systemic breaches direct to AS
IC and publicly release an annual report as to the Code \up0 \expndtw-3\charscal
ex100 compliance and breaches with insurers to be named in the report. \par\pard
\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1237\sb259\sl-260\slmult0 \
up0 \expndtw0\charscalex105 Insurers have shown themselves capable of resolving
claims competently and promptly on the \line \up0 \expndtw0\charscalex100 whole,
during natural disasters as well as in normal times, with the single exception
of flood claims. \line \up0 \expndtw0\charscalex100 Once flood cover is a standa
rd inclusion as recommended herein, the current problems will largely \line \up0
\expndtw0\charscalex107 disappear. The Review Panel would then expect insurers
generally to welcome the holding to \line \up0 \expndtw0\charscalex107 account o
f any individual insurers who put at risk, through poor claims, the reputation o
f the \line \up0 \expndtw-3\charscalex100 industry.
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{\shp {\*\shpinst\shpleft1526\shptop11548\shpright10385\shpbottom11817\shpfhdr0\
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{\shp {\*\shpinst\shpleft1526\shptop12086\shpright10385\shpbottom12595\shpfhdr0\
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89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g13}{\bkmkend Pg13}\par\pard\ql \li8973\sb0\sl-207\slmult0 \par\pard\ql\li8973\s
b0\sl-207\slmult0 \par\pard\ql\li8973\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Executive summary \par\pard\ql \li1418\sb0\s
l-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb9\sl253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Consumer
awareness at time of purchase \par\pard\qj \li1418\ri1233\sb242\sl-260\slmult0
\up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 The purchase of home in
surance involves an initial agreement usually by telephone backed up the \line \
up0 \expndtw-1\charscalex100 later mailing to the consumer of policy materials i
ncluding premiums and policy coverage details and \line \up0 \expndtw-1\charscal
ex100 the PDS. This is proposed to be supplemented by another \u8216?after sale\
u8217? disclosure through the Key Fact \line \up0 \expndtw-2\charscalex100 State
ment. \par\pard\qj \li1418\ri1229\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex
107 It is well recognised that policyholders have not been actively engaged in r
eading these often \up0 \expndtw0\charscalex102 complex post-sale materials. The
se have little impact in informing consumers in a practical way of \up0 \expndtw
-3\charscalex100 the terms and conditions of their policies. \par\pard\qj \li141
8\ri1203\sb240\sl-260\slmult0 \up0 \expndtw-2\charscalex100 The Review Panel bel
ieves that it is important consumers are made aware before they complete their \
line \up0 \expndtw-2\charscalex100 purchase whether the policy has full flood co
ver and whether it has full replacement coverage. These \line \up0 \expndtw0\cha
rscalex100 are extremely important coverage decisions for consumers. It is recom
mended that consumers be \line \up0 \expndtw0\charscalex106 given \u8216?health
warnings\u8217? if the policy proposed to be purchased does not include flood co

ver or \line \up0 \expndtw0\charscalex103 replacement cover. These warnings shou

ld also be included in the Key Fact Statement. Once full \line \up0 \expndtw-1\c
harscalex100 flood cover and replacement cover are fully in place this warning a
t time of purchase may no longer \line \up0 \expndtw-3\charscalex100 be needed.
\par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb113\sl-253\slmult0
\up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recommendation: Pol
icy coverage \par\pard\qj \li1526\ri1320\sb117\sl-266\slmult0 \up0 \expndtw0\cha
rscalex107 \ul0\nosupersub\cf4\f5\fs22 A \u8216?health warning\u8217? system be
introduced in conjunction with the new Key Facts Statement, \line \up0 \expndtw0
\charscalex103 pending legislation to give effect to the recommendations
above on flood coverage and \line \up0 \expndtw-2\charscalex100 replacement
value for buildings. A \u8216?health warning\u8217? would be added to the Key F
act Statement and \line \up0 \expndtw-2\charscalex100 be required to be provided
to customers seeking to purchase a policy by telephone or the internet. \line \
up0 \expndtw0\charscalex106 The warning would state that \u8216?This product doe
s not provide (full) cover for flood\u8217? and \u8216?This \line \up0 \expndtw0
\charscalex100 product does not provide (full) replacement cover for buildings,
you may be under-insured in the \line \up0 \expndtw-3\charscalex100 event of a t
otal loss.\u8217? \par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri
1230\sb259\sl-260\slmult0 \up0 \expndtw-2\charscalex100 This system is designed
to increase awareness and understanding of key product features and also to \up0
\expndtw0\charscalex105 overcome an important component of the current advi
ce problems that insurers have with \up0 \expndtw0\charscalex100 telephone an
d internet sales, namely that the purchase is usually completed before the discl
osure \up0 \expndtw-3\charscalex100 documents are received. \par\pard\qj \li1418
\ri1231\sb240\sl-260\slmult0 \up0 \expndtw-2\charscalex100 The system may not co
ntinue to be needed if and when full flood cover and replacement value cover \up
0 \expndtw-3\charscalex100 become inclusions in all home policies. \par\pard\ql
\li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb69\sl-299\slmult0 \up0 \expndtw
-3\charscalex100 \ul0\nosupersub\cf18\f19\fs26 Implementation and transition \pa
r\pard\qj \li1418\ri1230\sb234\sl-260\slmult0 \up0 \expndtw-2\charscalex100 \ul0
\nosupersub\cf4\f5\fs22 Legislation will be needed to give effect to the Review
Panel\u8217?s key recommendations that flood cover \up0 \expndtw-1\charscalex100
be included in all home, contents and home unit insurance policies, establishin
g a national agency to \up0 \expndtw0\charscalex102 coordinate flood risk manage
ment, introduce a system of flood premium discounts and operate a \up0 \expndtw3\charscalex100 reinsurance facility. \par\pard\qj \li1418\ri1211\sb240\sl-260\s
lmult0 \up0 \expndtw-1\charscalex100 In the interim, properties will continue to
be exposed to flood risk and the Review Panel is therefore \up0 \expndtw-2\char
scalex100 recommending that the Government give priority to introducing the nece
ssary legislation. \par\pard\qj \li1418\ri1225\sb240\sl-260\slmult0 \up0 \expndt
w-2\charscalex100 Furthermore, the Review Panel is recommending that a number of
intermediate steps be taken. They \line \up0 \expndtw0\charscalex103 include th
e Government taking preparatory steps towards establishing the new disaster risk
and \line \up0 \expndtw-1\charscalex100 insurance agency and introducing \u8216
?heath warnings\u8217? for home and contents policies about flood cover \line \u
p0 \expndtw-1\charscalex100 and replacement value cover. They also include
the Insurance Council making a series of
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{\shp {\*\shpinst\shpleft1526\shptop8368\shpright10385\shpbottom8877\shpfhdr0\sh
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1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g14}{\bkmkend Pg14}\par\pard\ql \li8973\sb0\sl-207\slmult0 \par\pard\ql\li8973\s
b0\sl-207\slmult0 \par\pard\ql\li8973\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Executive summary \par\pard\qj \li1418\sb0\s
l-260\slmult0 \par\pard\qj\li1418\ri1206\sb230\sl-260\slmult0 \up0 \expndtw0\cha
rscalex105 \ul0\nosupersub\cf4\f5\fs22 amendments to the General Insurance Code
of Practice in the interests of improved consumer \line \up0 \expndtw-2\charscal
ex100 awareness and consumer protection regarding the handling of home and conte
nts insurance claims. \par\pard\ql \li1418\sb0\sl-368\slmult0 \par\pard\ql\li141
8\sb303\sl-368\slmult0 \up0 \expndtw0\charscalex97 \ul0\nosupersub\cf7\f8\fs40 L
\ul0\nosupersub\cf8\f9\fs32 IST OF RECOMMENDATIONS \par\pard\ql \li1418\sb0\sl-2
53\slmult0 \par\pard\ql\li1418\sb134\sl-253\slmult0 \up0 \expndtw-3\charscalex10
0 \ul0\nosupersub\cf4\f5\fs22 The Review Panel makes four pivotal recommendation

s: \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb114\sl-253\slmu

lt0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Pivotal Recommen
dation 1: Architecture \par\pard\qj \li1526\ri1315\sb113\sl-270\slmult0 \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That an agency sponsored by th
e Commonwealth Government be created to manage the national \up0 \expndtw-1\char
scalex100 coordination of flood risk management and to operate a system of premi
um discounts and a flood \up0 \expndtw-1\charscalex100 risk reinsurance facility
, supported by a funding guarantee from the Commonwealth. \par\pard\ql \li1526\s
b0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb1
19\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Pi
votal Recommendation 2: Availability \par\pard\ql \li1526\sb127\sl-253\slmult0 \
up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That all home insurance
, home contents and home unit insurance policies include flood cover. \par\pard\
ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\q
l\li1526\sb141\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16
\f17\fs22 Pivotal Recommendation 3: Affordability \par\pard\qj \li1526\ri1321\sb
93\sl-270\slmult0 \up0 \expndtw0\charscalex107 \ul0\nosupersub\cf4\f5\fs22 That
a system of premium discounts be introduced in order that most purchasers of hom
e \up0 \expndtw-2\charscalex100 insurance, home contents and home unit insurance
policies in areas subject to flood risk be eligible \up0 \expndtw-3\charscalex1
00 for discounts against the full cost of flood insurance. \par\pard\ql \li1526\
sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb
139\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 P
ivotal Recommendation 4: Funding \par\pard\qj \li1526\ri1336\sb118\sl-265\slmult
0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 The Commonwealth Gov
ernment guarantee the payment of claims by ensuring that, whenever a \up0 \expn
dtw0\charscalex100 funding shortfall occurs in the reinsurance facility through
claims exceeding the funds held in the \up0 \expndtw0\charscalex108 facility, th
e Commonwealth would meet the shortfall and the Commonwealth would seek \up0 \ex
pndtw0\charscalex104 reimbursement of a portion of the shortfall from the State
or Territory government in whose \up0 \expndtw-3\charscalex100 jurisdiction the
flood occurred. \par\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\
sl-253\slmult0 \par\pard\ql\li1418\sb19\sl-253\slmult0 \up0 \expndtw-3\charscale
x100 The recommendations in detail are: \par\pard\ql \li1526\sb0\sl-253\slmult0
\par\pard\ql\li1526\sb114\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosu
persub\cf16\f17\fs22 Recommendation 1: \par\pard\ql \li1526\sb127\sl-253\slmult0
\up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That all home buildin
g insurance policies include flood cover. \par\pard\ql \li1526\sb0\sl-253\slmult
0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb121\sl-253\slmult
0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recommendation 2:
\par\pard\ql \li1526\sb127\sl-253\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nos
upersub\cf4\f5\fs22 That home building and home contents insurance should not be
made compulsory.
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{\shp {\*\shpinst\shpleft1526\shptop13303\shpright10385\shpbottom13812\shpfhdr0\
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn pVerticies}{\sv 8;5;(1,509);(8859,509);(8859,0);(1,0);(1,509)}}

{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
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89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g15}{\bkmkend Pg15}\par\pard\ql \li8973\sb0\sl-207\slmult0 \par\pard\ql\li8973\s
b0\sl-207\slmult0 \par\pard\ql\li8973\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Executive summary \par\pard\ql \li1526\sb0\s
l-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb129\s
l-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recomm
endation 3: \par\pard\ql \li1526\sb127\sl-253\slmult0 \up0 \expndtw-2\charscalex
100 \ul0\nosupersub\cf4\f5\fs22 That whenever flood cover is included in home bu
ilding insurance policies: \par\pard\ql \li1526\sb247\sl-253\slmult0 \up0 \expnd
tw-3\charscalex100 \ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0\nosupersub\cf13\f14
\fs20 \ul0\nosupersub\cf4\f5\fs22 flood-specific sub-limits not apply; and \p
ar\pard\qj \li1526\sb0\sl-260\slmult0 \par\pard\qj\li1526\ri1346\sb2\sl-260\slmu
lt0\tx1810 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf21\f22\fs20 \u8226?\u
l0\nosupersub\cf13\f14\fs20 \ul0\nosupersub\cf4\f5\fs22 any excess that appli
es to flood cover be commensurate with that applicable to other insured \line\ta
b \up0 \expndtw-3\charscalex100 perils. \par\pard\ql \li1526\sb0\sl-253\slmult0
\par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb140\sl-253\slmult0
\up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recommendation 4: \p
ar\pard\ql \li1526\sb107\sl-253\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf4\f5\fs22 That the following five principles underpin the design of a sy
stem of premium discounts: \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\
li1526\sb14\sl-253\slmult0 \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf21\f2
2\fs20 \u8226?\ul0\nosupersub\cf13\f14\fs20 \ul0\nosupersub\cf4\f5\fs22 premi
ums should rise with the level of flood risk; \par\pard\ql \li1526\sb247\sl-253\
slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0\
nosupersub\cf13\f14\fs20 \ul0\nosupersub\cf4\f5\fs22 those whose homes do not
face a flood risk should not pay a flood premium; \par\pard\ql \li1526\sb0\sl-2
53\slmult0 \par\pard\ql\li1526\sb14\sl-253\slmult0 \up0 \expndtw-3\charscalex100
\ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0\nosupersub\cf13\f14\fs20 \ul0\nosupe
rsub\cf4\f5\fs22 there should be no cross subsidisation of premiums between po
licyholders; \par\pard\ql \li1526\sb247\sl-253\slmult0 \up0 \expndtw-3\charscale
x100 \ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0\nosupersub\cf13\f14\fs20 \ul0\no
supersub\cf4\f5\fs22 there should be some limitations on discounts to high-val
ue homes; and \par\pard\ql \li1526\sb247\sl-253\slmult0 \up0 \expndtw-3\charscal
ex100 \ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0\nosupersub\cf13\f14\fs20 \ul0\n
osupersub\cf4\f5\fs22 the discount mechanism should be simple for policyholder
s and automated for insurers. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\
ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb141\sl-253\slmult0 \up0 \expn
dtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recommendation 5: \par\pard\ql
\li1526\sb127\sl-253\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\
f5\fs22 That flood premium discounts be provided for home building insurance for
eligible homes: \par\pard\ql \li1526\sb247\sl-253\slmult0 \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0\nosupersub\cf13\f14\fs20 \ul
0\nosupersub\cf4\f5\fs22 the discounts be assessed by reference to an \u8216?a
ffordability threshold\u8217? for flood premiums; \par\pard\ql \li1526\sb0\sl-25
3\slmult0 \par\pard\ql\li1526\sb14\sl-253\slmult0 \up0 \expndtw-4\charscalex100
\ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0\nosupersub\cf13\f14\fs20 \ul0\nosuper
sub\cf4\f5\fs22 only existing homes would be eligible for discounts; and \par\
pard\ql \li1526\sb247\sl-253\slmult0 \up0 \expndtw-4\charscalex100 \ul0\nosupers
ub\cf21\f22\fs20 \u8226?\ul0\nosupersub\cf13\f14\fs20 \ul0\nosupersub\cf4\f5\fs
22 discounts would be phased out gradually over time. \par\pard\ql \li1526\sb0
\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb141
\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Reco
mmendation 6: \par\pard\ql \li1526\sb127\sl-253\slmult0 \up0 \expndtw-2\charscal

ex100 \ul0\nosupersub\cf4\f5\fs22 The levels of the discounts and the phasing ou

t periods be reviewed from time to time. \par\pard\ql \li1526\sb0\sl-253\slmult0
\par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb121\sl-253\slmult0
\up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recommendation 7: \
par\pard\ql \li1526\sb107\sl-253\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosu
persub\cf4\f5\fs22 That there be limitations on the size of the discount availab
le to high value homes. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1
526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb141\sl-253\slmult0 \up0 \expndtw-3\
charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recommendation 8: \par\pard\ql \li15
26\sb127\sl-253\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs2
2 That all home unit insurance policies include flood cover, in the same manner
as for homes.
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1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft10384\shptop3951\shpright10493\shpbottom7502\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz308\shplid8
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 109}}{\sp{\sn geoBottom}{\sv 3551}}
{\sp{\sn pVerticies}{\sv 8;5;(1,3551);(109,3551);(109,1);(1,1);(1,3551)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}

{\shp {\*\shpinst\shpleft1526\shptop3952\shpright10385\shpbottom4451\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz316\shplid9
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 499}}
{\sp{\sn pVerticies}{\sv 8;5;(1,499);(8859,499);(8859,1);(1,1);(1,499)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop4450\shpright10385\shpbottom4960\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz348\shplid10
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 510}}
{\sp{\sn pVerticies}{\sv 8;5;(1,509);(8859,509);(8859,1);(1,1);(1,509)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop4959\shpright10385\shpbottom5466\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz376\shplid11
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 507}}
{\sp{\sn pVerticies}{\sv 8;5;(1,507);(8859,507);(8859,0);(1,0);(1,507)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop5466\shpright10385\shpbottom5975\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz442\shplid12
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 509}}
{\sp{\sn pVerticies}{\sv 8;5;(1,509);(8859,509);(8859,0);(1,0);(1,509)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop5975\shpright10385\shpbottom6484\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz496\shplid13
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 509}}
{\sp{\sn pVerticies}{\sv 8;5;(1,509);(8859,509);(8859,0);(1,0);(1,509)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}

{\shp {\*\shpinst\shpleft1526\shptop6484\shpright10385\shpbottom6993\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz550\shplid14
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 509}}
{\sp{\sn pVerticies}{\sv 8;5;(1,509);(8859,509);(8859,0);(1,0);(1,509)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop6992\shpright10385\shpbottom7502\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz628\shplid15
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 510}}
{\sp{\sn pVerticies}{\sv 8;5;(1,510);(8859,510);(8859,1);(1,1);(1,510)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1418\shptop7761\shpright1527\shpbottom10293\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz715\shplid16
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 109}}{\sp{\sn geoBottom}{\sv 2532}}
{\sp{\sn pVerticies}{\sv 8;5;(1,2532);(109,2532);(109,0);(1,0);(1,2532)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft10384\shptop7761\shpright10493\shpbottom10293\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz717\shplid17
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 109}}{\sp{\sn geoBottom}{\sv 2532}}
{\sp{\sn pVerticies}{\sv 8;5;(1,2532);(109,2532);(109,0);(1,0);(1,2532)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop7770\shpright10385\shpbottom8260\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz725\shplid18
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 490}}
{\sp{\sn pVerticies}{\sv 8;5;(1,490);(8859,490);(8859,1);(1,1);(1,490)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}

{\shp {\*\shpinst\shpleft1526\shptop8260\shpright10385\shpbottom8769\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz757\shplid19
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 509}}
{\sp{\sn pVerticies}{\sv 8;5;(1,509);(8859,509);(8859,0);(1,0);(1,509)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop8769\shpright10385\shpbottom9278\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz785\shplid20
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 509}}
{\sp{\sn pVerticies}{\sv 8;5;(1,509);(8859,509);(8859,0);(1,0);(1,509)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop9277\shpright10385\shpbottom9787\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz852\shplid21
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 510}}
{\sp{\sn pVerticies}{\sv 8;5;(1,510);(8859,510);(8859,1);(1,1);(1,510)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop9787\shpright10385\shpbottom10293\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz906\shplid22
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 506}}
{\sp{\sn pVerticies}{\sv 8;5;(1,506);(8859,506);(8859,0);(1,0);(1,506)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1418\shptop10555\shpright1527\shpbottom11553\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz969\shplid23
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 109}}{\sp{\sn geoBottom}{\sv 998}}
{\sp{\sn pVerticies}{\sv 8;5;(1,998);(109,998);(109,0);(1,0);(1,998)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}

{\shp {\*\shpinst\shpleft10384\shptop10555\shpright10493\shpbottom11553\shpfhdr0
\shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz971\shplid24
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 109}}{\sp{\sn geoBottom}{\sv 998}}
{\sp{\sn pVerticies}{\sv 8;5;(1,998);(109,998);(109,0);(1,0);(1,998)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop10562\shpright10385\shpbottom11052\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz979\shplid25
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 490}}
{\sp{\sn pVerticies}{\sv 8;5;(1,490);(8859,490);(8859,1);(1,1);(1,490)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop11051\shpright10385\shpbottom11553\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1011\shplid26
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 502}}
{\sp{\sn pVerticies}{\sv 8;5;(1,502);(8859,502);(8859,1);(1,1);(1,502)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1418\shptop11812\shpright1527\shpbottom12818\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1048\shplid27
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 109}}{\sp{\sn geoBottom}{\sv 1006}}
{\sp{\sn pVerticies}{\sv 8;5;(1,1006);(109,1006);(109,0);(1,0);(1,1006)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft10384\shptop11812\shpright10493\shpbottom12818\shpfhdr0
\shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1050\shplid28
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 109}}{\sp{\sn geoBottom}{\sv 1006}}
{\sp{\sn pVerticies}{\sv 8;5;(1,1006);(109,1006);(109,0);(1,0);(1,1006)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}

{\shp {\*\shpinst\shpleft1526\shptop11824\shpright10385\shpbottom12309\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1058\shplid29
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 485}}
{\sp{\sn pVerticies}{\sv 8;5;(1,485);(8859,485);(8859,0);(1,0);(1,485)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop12309\shpright10385\shpbottom12818\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1090\shplid30
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 509}}
{\sp{\sn pVerticies}{\sv 8;5;(1,509);(8859,509);(8859,0);(1,0);(1,509)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1418\shptop13080\shpright1527\shpbottom14086\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1139\shplid31
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 109}}{\sp{\sn geoBottom}{\sv 1006}}
{\sp{\sn pVerticies}{\sv 8;5;(1,1006);(109,1006);(109,0);(1,0);(1,1006)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft10384\shptop13080\shpright10493\shpbottom14086\shpfhdr0
\shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1141\shplid32
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 109}}{\sp{\sn geoBottom}{\sv 1006}}
{\sp{\sn pVerticies}{\sv 8;5;(1,1006);(109,1006);(109,0);(1,0);(1,1006)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop13085\shpright10385\shpbottom13577\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1149\shplid33
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 492}}
{\sp{\sn pVerticies}{\sv 8;5;(1,492);(8859,492);(8859,1);(1,1);(1,492)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
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}}

{\shp {\*\shpinst\shpleft1526\shptop13577\shpright10385\shpbottom14086\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1181\shplid34
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 509}}
{\sp{\sn pVerticies}{\sv 8;5;(1,509);(8859,509);(8859,0);(1,0);(1,509)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g16}{\bkmkend Pg16}\par\pard\ql \li8973\sb0\sl-207\slmult0 \par\pard\ql\li8973\s
b0\sl-207\slmult0 \par\pard\ql\li8973\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Executive summary \par\pard\ql \li1526\sb0\s
l-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb129\s
l-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recomm
endation 9: \par\pard\qj \li1526\ri1317\sb122\sl-260\slmult0 \up0 \expndtw0\char
scalex106 \ul0\nosupersub\cf4\f5\fs22 That flood premium discounts be provided,
in the same manner as for homes, to the bodies \up0 \expndtw-2\charscalex100 cor
porate of eligible properties, and on the same basis as for detached homes. \par
\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\
pard\ql\li1526\sb140\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersu
b\cf16\f17\fs22 Recommendation 10: \par\pard\qj \li1526\ri1325\sb85\sl-280\slmul
t0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That the definition
of a home for the purposes of flood cover and flood premium discounts be any \u
p0 \expndtw-3\charscalex100 building for which a homeowner purchases a home insu
rance policy. \par\pard\ql \li1526\ri1337\sb229\sl-270\slmult0\tx1810\tx1810 \up
0 \expndtw0\charscalex105 \ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0\nosupersub\c
f13\f14\fs20 \ul0\nosupersub\cf4\f5\fs22 This definition ensures that the
Review Panel\u8217?s recommendations would apply to all \line\tab \up0 \
expndtw-1\charscalex100 \u8216?non-standard\u8217? types of homes such as manufa
ctured homes and mobile homes insured under \line\tab \up0 \expndtw-3\charscalex
100 a home buildings insurance policy. \par\pard\ql \li1526\sb0\sl-253\slmult0 \
par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb139\sl-253\slmult0 \
up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recommendation 11: \p
ar\pard\ql \li1526\sb127\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosup
ersub\cf4\f5\fs22 That all home contents insurance policies include flood cover.
\par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0
\par\pard\ql\li1526\sb121\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosu
persub\cf16\f17\fs22 Recommendation 12: \par\pard\qj \li1526\ri1337\sb122\sl-260
\slmult0 \up0 \expndtw0\charscalex106 \ul0\nosupersub\cf4\f5\fs22 That discounts
be provided, in the same manner as for homes, to home contents insurance \up0 \
expndtw-3\charscalex100 policies for eligible properties. \par\pard\ql \li1526\s
b0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb1
40\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Re
commendation 13: \par\pard\qj \li1526\ri1338\sb122\sl-260\slmult0 \up0 \expndtw0
\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That all insurers offering small busi
ness insurance be obliged to include flood cover on an opt-out \line \up0 \expnd
tw0\charscalex107 basis, instead of an opt in/opt-out basis as at present, in al
l of their small business package \line \up0 \expndtw-3\charscalex100 policies.
\par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \
par\pard\ql\li1526\sb140\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosup
ersub\cf16\f17\fs22 Recommendation 14: \par\pard\qj \li1526\ri1330\sb122\sl-260\
slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That flood pre
mium discounts not be provided to small businesses and that the reinsurance faci
lity \up0 \expndtw-3\charscalex100 not offer reinsurance for small businesses. \
par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \p
ar\pard\ql\li1526\sb140\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupe
rsub\cf16\f17\fs22 Recommendation 15: \par\pard\qj \li1526\ri1322\sb122\sl-260\s

lmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That the questio

ns of flood cover as standard in small business policies and access to discounte
d \up0 \expndtw0\charscalex105 premiums for small business policyholders sh
ould be revisited once the recommended \up0 \expndtw-3\charscalex100 arrang
ements for homes, home units and home contents are in place. \par\pard\ql \li152
6\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\
sb140\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22
Recommendation 16: \par\pard\qj \li1526\ri1336\sb113\sl-270\slmult0 \up0 \expnd
tw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That flood premium discounts be de
livered through a model that requires insurers to retain and \up0 \expndtw0\char
scalex110 price a portion of the risk with the remainder to be ceded to the rein
surance facility at a \up0 \expndtw-3\charscalex100 discounted reinsurance premi
um.
{\shp {\*\shpinst\shpleft1418\shptop1399\shpright1527\shpbottom2675\shpfhdr0\shp
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{\shp {\*\shpinst\shpleft1526\shptop1412\shpright10385\shpbottom1897\shpfhdr0\sh
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{\shp {\*\shpinst\shpleft1526\shptop1897\shpright10385\shpbottom2166\shpfhdr0\sh
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89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}

}}
{\shp {\*\shpinst\shpleft1526\shptop2165\shpright10385\shpbottom2674\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz87\shplid4
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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}}
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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}}
{\shp {\*\shpinst\shpleft10384\shptop2933\shpright10493\shpbottom5255\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz132\shplid6
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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}}
{\shp {\*\shpinst\shpleft1526\shptop2943\shpright10385\shpbottom3433\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz140\shplid7
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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}}
{\shp {\*\shpinst\shpleft1526\shptop3433\shpright10385\shpbottom3702\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz172\shplid8
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}

}}
{\shp {\*\shpinst\shpleft1526\shptop3701\shpright10385\shpbottom4211\shpfhdr0\sh
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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}}
{\shp {\*\shpinst\shpleft1526\shptop4210\shpright10385\shpbottom4480\shpfhdr0\sh
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{\shp {\*\shpinst\shpleft1526\shptop4479\shpright10385\shpbottom4746\shpfhdr0\sh
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}}
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{\shp {\*\shpinst\shpleft1526\shptop5516\shpright10385\shpbottom6014\shpfhdr0\sh
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{\shp {\*\shpinst\shpleft1526\shptop6013\shpright10385\shpbottom6523\shpfhdr0\sh
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}}
{\shp {\*\shpinst\shpleft10384\shptop6781\shpright10493\shpbottom8059\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz449\shplid18
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 109}}{\sp{\sn geoBottom}{\sv 1278}}
{\sp{\sn pVerticies}{\sv 8;5;(1,1277);(109,1277);(109,1);(1,1);(1,1277)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}

}}
{\shp {\*\shpinst\shpleft1526\shptop6795\shpright10385\shpbottom7281\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz457\shplid19
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 486}}
{\sp{\sn pVerticies}{\sv 8;5;(1,486);(8859,486);(8859,0);(1,0);(1,486)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop7281\shpright10385\shpbottom7550\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz489\shplid20
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 269}}
{\sp{\sn pVerticies}{\sv 8;5;(1,269);(8859,269);(8859,0);(1,0);(1,269)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop7549\shpright10385\shpbottom8059\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz503\shplid21
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 510}}
{\sp{\sn pVerticies}{\sv 8;5;(1,509);(8859,509);(8859,1);(1,1);(1,509)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1418\shptop8317\shpright1527\shpbottom9861\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz540\shplid22
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 109}}{\sp{\sn geoBottom}{\sv 1544}}
{\sp{\sn pVerticies}{\sv 8;5;(1,1544);(109,1544);(109,1);(1,1);(1,1544)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft10384\shptop8317\shpright10493\shpbottom9861\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz542\shplid23
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 109}}{\sp{\sn geoBottom}{\sv 1544}}
{\sp{\sn pVerticies}{\sv 8;5;(1,1544);(109,1544);(109,1);(1,1);(1,1544)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}

}}
{\shp {\*\shpinst\shpleft1526\shptop8325\shpright10385\shpbottom8815\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz550\shplid24
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 490}}
{\sp{\sn pVerticies}{\sv 8;5;(1,489);(8859,489);(8859,1);(1,1);(1,489)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop8814\shpright10385\shpbottom9083\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz582\shplid25
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 269}}
{\sp{\sn pVerticies}{\sv 8;5;(1,269);(8859,269);(8859,0);(1,0);(1,269)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop9083\shpright10385\shpbottom9353\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz644\shplid26
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 270}}
{\sp{\sn pVerticies}{\sv 8;5;(1,269);(8859,269);(8859,0);(1,0);(1,269)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop9352\shpright10385\shpbottom9861\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz682\shplid27
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 509}}
{\sp{\sn pVerticies}{\sv 8;5;(1,509);(8859,509);(8859,0);(1,0);(1,509)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1418\shptop10123\shpright1527\shpbottom11397\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz719\shplid28
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 109}}{\sp{\sn geoBottom}{\sv 1274}}
{\sp{\sn pVerticies}{\sv 8;5;(1,1274);(109,1274);(109,0);(1,0);(1,1274)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}

}}
{\shp {\*\shpinst\shpleft10384\shptop10123\shpright10493\shpbottom11397\shpfhdr0
\shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz721\shplid29
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 109}}{\sp{\sn geoBottom}{\sv 1274}}
{\sp{\sn pVerticies}{\sv 8;5;(1,1274);(109,1274);(109,0);(1,0);(1,1274)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop10125\shpright10385\shpbottom10620\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz729\shplid30
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 495}}
{\sp{\sn pVerticies}{\sv 8;5;(1,495);(8859,495);(8859,1);(1,1);(1,495)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop10619\shpright10385\shpbottom10889\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz761\shplid31
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 270}}
{\sp{\sn pVerticies}{\sv 8;5;(1,269);(8859,269);(8859,1);(1,1);(1,269)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop10888\shpright10385\shpbottom11397\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz787\shplid32
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 509}}
{\sp{\sn pVerticies}{\sv 8;5;(1,509);(8859,509);(8859,0);(1,0);(1,509)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1418\shptop11656\shpright1527\shpbottom13200\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz824\shplid33
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 109}}{\sp{\sn geoBottom}{\sv 1544}}
{\sp{\sn pVerticies}{\sv 8;5;(1,1544);(109,1544);(109,1);(1,1);(1,1544)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}

}}
{\shp {\*\shpinst\shpleft10384\shptop11656\shpright10493\shpbottom13200\shpfhdr0
\shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz826\shplid34
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 109}}{\sp{\sn geoBottom}{\sv 1544}}
{\sp{\sn pVerticies}{\sv 8;5;(1,1544);(109,1544);(109,1);(1,1);(1,1544)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop11656\shpright10385\shpbottom12156\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz834\shplid35
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 500}}
{\sp{\sn pVerticies}{\sv 8;5;(1,500);(8859,500);(8859,0);(1,0);(1,500)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop12155\shpright10385\shpbottom12422\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz866\shplid36
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 267}}
{\sp{\sn pVerticies}{\sv 8;5;(1,267);(8859,267);(8859,1);(1,1);(1,267)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop12422\shpright10385\shpbottom12691\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz880\shplid37
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 269}}
{\sp{\sn pVerticies}{\sv 8;5;(1,269);(8859,269);(8859,0);(1,0);(1,269)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop12691\shpright10385\shpbottom13200\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz918\shplid38
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 509}}
{\sp{\sn pVerticies}{\sv 8;5;(1,509);(8859,509);(8859,0);(1,0);(1,509)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}

}}
{\shp {\*\shpinst\shpleft1418\shptop13461\shpright1527\shpbottom15005\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz955\shplid39
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 109}}{\sp{\sn geoBottom}{\sv 1544}}
{\sp{\sn pVerticies}{\sv 8;5;(1,1544);(109,1544);(109,1);(1,1);(1,1544)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft10384\shptop13461\shpright10493\shpbottom15005\shpfhdr0
\shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz957\shplid40
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 109}}{\sp{\sn geoBottom}{\sv 1544}}
{\sp{\sn pVerticies}{\sv 8;5;(1,1544);(109,1544);(109,1);(1,1);(1,1544)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop13472\shpright10385\shpbottom13959\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz965\shplid41
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 487}}
{\sp{\sn pVerticies}{\sv 8;5;(1,487);(8859,487);(8859,1);(1,1);(1,487)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop13958\shpright10385\shpbottom14228\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz997\shplid42
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 270}}
{\sp{\sn pVerticies}{\sv 8;5;(1,269);(8859,269);(8859,1);(1,1);(1,269)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop14227\shpright10385\shpbottom14496\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1011\shplid43
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 269}}
{\sp{\sn pVerticies}{\sv 8;5;(1,269);(8859,269);(8859,0);(1,0);(1,269)}}
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89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g17}{\bkmkend Pg17}\par\pard\ql \li8973\sb0\sl-207\slmult0 \par\pard\ql\li8973\s
b0\sl-207\slmult0 \par\pard\ql\li8973\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Executive summary \par\pard\ql \li1526\sb0\s
l-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb129\s
l-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recomm
endation 17: \par\pard\qj \li1526\ri1331\sb117\sl-266\slmult0 \up0 \expndtw0\cha
rscalex106 \ul0\nosupersub\cf4\f5\fs22 That for home building insurance policies
receiving full discounts, policyholders pay for that \up0 \expndtw0\charscalex1
04 portion of the risk retained by the insurer and pay nothing for the remainder
of the risk up to \up0 \expndtw-2\charscalex100 $500,000. For properties with a
value greater than $500,000 policyholders then pay the full cost of \up0 \expnd
tw-3\charscalex100 the portion of risk exceeding $500,000. \par\pard\ql \li1526\
sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb
139\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 R
ecommendation 18: \par\pard\qj \li1526\ri1337\sb93\sl-270\slmult0 \up0 \expndtw0
\charscalex105 \ul0\nosupersub\cf4\f5\fs22 That for body corporate insurance pol
icies receiving full discounts, policyholders pay for that \up0 \expndtw0\charsc
alex104 portion of the risk retained by the insurer and pay nothing for the rema
inder of the risk up to \up0 \expndtw0\charscalex100 $500,000 times the number o
f units. For properties with a value greater than $500,000 times the \up0 \expnd
tw0\charscalex104 number of units policyholders then pay the full cost of the po
rtion of risk exceeding $500,000 \up0 \expndtw-3\charscalex100 times the number
of units. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253
\slmult0 \par\pard\ql\li1526\sb139\sl-253\slmult0 \up0 \expndtw-3\charscalex100
\ul0\nosupersub\cf16\f17\fs22 Recommendation 19: \par\pard\qj \li1526\ri1343\sb9
1\sl-273\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That f
or home contents insurance policies, policyholders pay for that portion of the r
isk retained \line \up0 \expndtw0\charscalex100 by the insurer and pay nothing f
or the remainder of the risk up to $100,000. For contents with a \line \up0 \exp
ndtw0\charscalex100 value greater than $100,000 policyholders then pay the full
cost of the portion of risk exceeding \line \up0 \expndtw-3\charscalex100 $100,0
00. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmul
t0 \par\pard\ql\li1526\sb118\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\n
osupersub\cf16\f17\fs22 Recommendation 20: \par\pard\qj \li1526\ri1313\sb122\sl260\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That homes
at high and extreme risk of flood be provided with discounts initially and that
they be \line \up0 \expndtw-2\charscalex100 assessed regularly for mitigation w
ork already undertaken and the potential for further mitigation. \par\pard\ql \l
i1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1
526\sb140\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\
fs22 Recommendation 21: \par\pard\qj \li1526\ri1335\sb122\sl-260\slmult0 \up0 \e
xpndtw0\charscalex102 \ul0\nosupersub\cf4\f5\fs22 That a flood risk reinsurance
facility, or reinsurance pool, be established which would have two \up0 \expndtw
-3\charscalex100 primary functions: \par\pard\qj \li1526\ri1344\sb260\sl-260\slm
ult0\tx1810 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf21\f22\fs20 \u8226?\
ul0\nosupersub\cf13\f14\fs20 \ul0\nosupersub\cf4\f5\fs22 to deliver discounts
to home, contents and home unit insurance policies for eligible properties; \li

ne\tab \up0 \expndtw-3\charscalex100 and \par\pard\qj \li1526\ri4324\sb62\sl-500

\slmult0 \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0
\nosupersub\cf13\f14\fs20 \ul0\nosupersub\cf4\f5\fs22 to provide flood reinsu
rance capacity to the insurance market; \up0 \expndtw-4\charscalex100 and two ke
y design features: \par\pard\qj \li1526\ri1334\sb182\sl-280\slmult0\tx1810 \up0
\expndtw0\charscalex102 \ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0\nosupersub\cf1
3\f14\fs20 \ul0\nosupersub\cf4\f5\fs22 an excess of loss arrangement whereby
insurers retain and price a \u8216?first loss\u8217? portion of each \line\tab \
up0 \expndtw-3\charscalex100 policy on a commercial basis; and \par\pard\ql \li1
526\sb243\sl-253\slmult0\tx2037 \up0 \expndtw0\charscalex115 \ul0\nosupersub\cf2
1\f22\fs20 \u8226?\ul0\nosupersub\cf13\f14\fs20 \ul0\nosupersub\cf4\f5\fs22 a
\tab \up0 \expndtw0\charscalex106 \u8216?facultative/obligatory\u8217? reinsura
nce treaty that would allow insurers to cede individual \par\pard\qj \li1810\ri1
334\sb22\sl-260\slmult0 \up0 \expndtw0\charscalex100 properties to the pool if t
hey wish (facultative offer) but the pool would be obliged to accept \up0 \expnd
tw-3\charscalex100 them (obligatory acceptance).
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{\shp {\*\shpinst\shpleft1526\shptop13536\shpright10385\shpbottom13805\shpfhdr0\
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{\shp {\*\shpinst\shpleft1526\shptop13805\shpright10385\shpbottom14314\shpfhdr0\
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g18}{\bkmkend Pg18}\par\pard\ql \li8973\sb0\sl-207\slmult0 \par\pard\ql\li8973\s
b0\sl-207\slmult0 \par\pard\ql\li8973\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Executive summary \par\pard\ql \li1526\sb0\s
l-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb129\s
l-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recomm
endation 22: \par\pard\qj \li1526\ri1321\sb113\sl-270\slmult0 \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf4\f5\fs22 That the Commonwealth Government guarant
ee payment of claims from the reinsurance pool by \up0 \expndtw-1\charscalex100
ensuring that, whenever a funding shortfall occurs in the pool through claims ex
ceeding the funds \up0 \expndtw-3\charscalex100 held in the pool, the Commonweal
th would meet the shortfall. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\q
l\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\
li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb133\sl-253\slmult0 \up0 \expndtw
-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recommendation 23: \par\pard\qj \
li1526\ri1329\sb85\sl-280\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\c
f4\f5\fs22 That the Commonwealth seek reimbursement of some portion of the short
fall from the State or \up0 \expndtw-3\charscalex100 Territory government in who
se jurisdiction the flood occurred. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par
\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb117\sl-253\slmult0 \up0
\expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recommendation 24: \par\
pard\qj \li1526\ri1321\sb113\sl-270\slmult0 \up0 \expndtw0\charscalex100 \ul0\no
supersub\cf4\f5\fs22 That to facilitate flood risk information being made public
ly available, Commonwealth, State and \line \up0 \expndtw0\charscalex103 Territo
ry governments grant indemnities to the providers of flood risk informa
tion if the \line \up0 \expndtw-2\charscalex100 information is obtained and pr
ovided in good faith and in the absence of any gross negligence. \par\pard\ql \l
i1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1
526\sb119\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\
fs22 Recommendation 25: \par\pard\qj \li1526\ri1335\sb113\sl-270\slmult0 \up0 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That a national agency sponso
red by the Commonwealth Government be established to undertake \up0 \expndtw0\ch
arscalex100 national coordination of flood risk management and to operate the sy

stem of premium discounts \up0 \expndtw-3\charscalex100 and the flood risk reins
urance facility. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb1
2\sl-253\slmult0 \up0 \expndtw-3\charscalex100 The Agency would: \par\pard\qj \l
i1526\ri1322\sb242\sl-260\slmult0\tx1810 \up0 \expndtw-3\charscalex100 \ul0\nosu
persub\cf21\f22\fs20 \u8226?\ul0\nosupersub\cf13\f14\fs20 \ul0\nosupersub\cf4\f
5\fs22 coordinate flood mapping across the country (while leaving responsibili
ty for undertaking flood \line\tab \up0 \expndtw-3\charscalex100 mapping in the
hands of State and Territory governments and local authorities); \par\pard\qj \l
i1526\ri1323\sb260\sl-260\slmult0\tx1810 \up0 \expndtw0\charscalex104 \ul0\nosup
ersub\cf21\f22\fs20 \u8226?\ul0\nosupersub\cf13\f14\fs20 \ul0\nosupersub\cf4\f5
\fs22 introduce national guidelines for flood risk mapping and classif
ications, prepared in \line\tab \up0 \expndtw-3\charscalex100 consultation wit
h producers and users of flood risk information; \par\pard\qj \li1526\ri1339\sb2
60\sl-260\slmult0\tx1810 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf21\f22\
fs20 \u8226?\ul0\nosupersub\cf13\f14\fs20 \ul0\nosupersub\cf4\f5\fs22 act as
a national repository of flood risk information, primarily through collating and
analysing \line\tab \up0 \expndtw-2\charscalex100 information collected by othe
rs; \par\pard\qj \li1526\ri1330\sb260\sl-260\slmult0\tx1810 \up0 \expndtw0\chars
calex106 \ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0\nosupersub\cf13\f14\fs20 \ul
0\nosupersub\cf4\f5\fs22 continue development of the Insurance Council of Aust
ralia\u8217?s National Flood Information \line\tab \up0 \expndtw-3\charscalex100
Database or an equivalent developed by the Agency; \par\pard\qj \li1526\ri1338\
sb224\sl-280\slmult0\tx1810 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf21\f2
2\fs20 \u8226?\ul0\nosupersub\cf13\f14\fs20 \ul0\nosupersub\cf4\f5\fs22 monit
or the effectiveness of flood risk mitigation initiatives across the country and
advise on \line\tab \up0 \expndtw-3\charscalex100 priorities for flood risk mit
igation; \par\pard\qj \li1526\ri1346\sb220\sl-280\slmult0\tx1810 \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0\nosupersub\cf13\f14\fs2
0 \ul0\nosupersub\cf4\f5\fs22 publish and disseminate flood risk information
in forms appropriate to various groups of users; \line\tab \up0 \expndtw-3\chars
calex100 and \par\pard\ql \li1526\sb243\sl-253\slmult0 \up0 \expndtw-4\charscale
x100 \ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0\nosupersub\cf13\f14\fs20 \ul0\no
supersub\cf4\f5\fs22 oversee the quality of flood risk information.
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{\shp {\*\shpinst\shpleft1526\shptop7818\shpright10385\shpbottom8087\shpfhdr0\sh
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{

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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{

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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{

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{\shp {\*\shpinst\shpleft1526\shptop12988\shpright10385\shpbottom13258\shpfhdr0\
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{\shp {\*\shpinst\shpleft1526\shptop13258\shpright10385\shpbottom13767\shpfhdr0\
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{

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1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g19}{\bkmkend Pg19}\par\pard\ql \li8973\sb0\sl-207\slmult0 \par\pard\ql\li8973\s
b0\sl-207\slmult0 \par\pard\ql\li8973\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Executive summary \par\pard\ql \li1526\sb0\s
l-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb129\s
l-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recomm
endation 26: \par\pard\qj \li1526\ri1335\sb122\sl-260\slmult0 \up0 \expndtw0\cha
rscalex106 \ul0\nosupersub\cf4\f5\fs22 That the Agency charge insurers a sm
all administrative fee for each policy ceded to the \up0 \expndtw-3\charscal
ex100 reinsurance facility. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql
\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb140\sl-253\slmult0 \up0 \expndt
w-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recommendation 27: \par\pard\ql
\li1526\sb107\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f
5\fs22 That: \par\pard\ql \li1526\ri1323\sb257\sl-266\slmult0\tx1810\tx1810\tx18
10 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0\nosup
ersub\cf13\f14\fs20 \ul0\nosupersub\cf4\f5\fs22 the Agency offer cover to ins
urers for cyclone risk, on the same basis as for flood risk, but with \line\tab
\up0 \expndtw-3\charscalex100 no affordability discounts (in the expectation tha
t, when the Agency does its own pricing, it will \line\tab \up0 \expndtw-3\chars
calex100 offer a fair price to home and home unit owners. This price may be lowe
r but is not guaranteed \line\tab \up0 \expndtw-4\charscalex100 to be lower than
the prices of commercial insurers); and \par\pard\ql \li1526\ri1327\sb259\sl-26
0\slmult0\tx1810\tx1810 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf21\f22\f
s20 \u8226?\ul0\nosupersub\cf13\f14\fs20 \ul0\nosupersub\cf4\f5\fs22 an inves
tigation be undertaken to ascertain whether there is a basis for granting afford
ability \line\tab \up0 \expndtw-1\charscalex100 discounts for cyclone risk, alon
g the lines of the recommended flood insurance discounts, for \line\tab \up0 \ex
pndtw-3\charscalex100 homes and home units in northern Australia. \par\pard\ql \
li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li
1526\sb140\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17
\fs22 Recommendation 28: \par\pard\qj \li1526\ri1327\sb117\sl-266\slmult0 \up0 \
expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That all home, contents and
home unit insurance policies cover the policyholder for storm surge, \up0 \expnd
tw-2\charscalex100 tsunami and landslide, where the storm surge, tsunami or land
slide is the result of another event \up0 \expndtw0\charscalex100 that is covere
d under the policy and regardless of whether the insured property directly suffe
rs \up0 \expndtw-3\charscalex100 damage from the underlying insured event. \par\
pard\ql \li1526\sb245\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupers
ub\cf21\f22\fs20 \u8226?\ul0\nosupersub\cf13\f14\fs20 \ul0\nosupersub\cf4\f5\fs
22 This includes storm surge associated with a cyclone that does not cross the
coastline. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-2
53\slmult0 \par\pard\ql\li1526\sb141\sl-253\slmult0 \up0 \expndtw-3\charscalex10
0 \ul0\nosupersub\cf16\f17\fs22 Recommendation 29: \par\pard\qj \li1526\ri1327\s
b113\sl-270\slmult0 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf4\f5\fs22 Tha
t the Commonwealth engage with the insurance industry and the States and Territo
ries in \up0 \expndtw0\charscalex102 planning for the future coordination of cha
ritable and government payments to individuals to \up0 \expndtw-3\charscalex100
assist with recovery after future natural disasters. \par\pard\ql \li1526\sb0\sl
-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb119\sl
-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recomme
ndation 30: \par\pard\qj \li1526\ri1334\sb105\sl-280\slmult0 \up0 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf4\f5\fs22 That access to insurance be enhanced thro

ugh the development of alternative payment options, in \up0 \expndtw-3\charscale

x100 particular: \par\pard\qj \li1526\ri1326\sb237\sl-260\slmult0\tx1810 \up0 \e
xpndtw0\charscalex104 \ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0\nosupersub\cf13\
f14\fs20 \ul0\nosupersub\cf4\f5\fs22 by the Commonwealth Government arranging
for Centrelink customers to be able to pay \line\tab \up0 \expndtw-3\charscalex
100 insurance premiums fortnightly through Centrepay; and \par\pard\ql \li1526\r
i1335\sb252\sl-270\slmult0\tx1810\tx1810 \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf21\f22\fs20 \u8226?\ul0\nosupersub\cf13\f14\fs20 \ul0\nosupersub\cf4\f
5\fs22 by State, Territory and/or local governments and community housing orga
nisations arranging \line\tab \up0 \expndtw0\charscalex107 insurance premiums fo
r contents to be able to be incorporated into rent for social and \line\tab \up0
\expndtw-3\charscalex100 community housing tenants.
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}}
{\shp {\*\shpinst\shpleft1526\shptop1412\shpright10385\shpbottom1897\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz27\shplid2
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 485}}
{\sp{\sn pVerticies}{\sv 8;5;(1,485);(8859,485);(8859,1);(1,1);(1,485)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop1897\shpright10385\shpbottom2166\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz57\shplid3
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 269}}
{\sp{\sn pVerticies}{\sv 8;5;(1,269);(8859,269);(8859,0);(1,0);(1,269)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}

{\shp {\*\shpinst\shpleft1526\shptop2165\shpright10385\shpbottom2674\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz101\shplid4
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 509}}
{\sp{\sn pVerticies}{\sv 8;5;(8859,1);(1,1);(1,509);(8859,509);(8859,1)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1418\shptop2934\shpright1527\shpbottom6302\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz144\shplid5
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 109}}{\sp{\sn geoBottom}{\sv 3368}}
{\sp{\sn pVerticies}{\sv 8;5;(1,3368);(109,3368);(109,0);(1,0);(1,3368)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft10384\shptop2934\shpright10493\shpbottom6302\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz146\shplid6
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 109}}{\sp{\sn geoBottom}{\sv 3368}}
{\sp{\sn pVerticies}{\sv 8;5;(1,3368);(109,3368);(109,0);(1,0);(1,3368)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop2943\shpright10385\shpbottom3433\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz154\shplid7
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 490}}
{\sp{\sn pVerticies}{\sv 8;5;(1,490);(8859,490);(8859,0);(1,0);(1,490)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop3433\shpright10385\shpbottom3942\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz186\shplid8
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 509}}
{\sp{\sn pVerticies}{\sv 8;5;(1,509);(8859,509);(8859,0);(1,0);(1,509)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}

{\shp {\*\shpinst\shpleft1526\shptop3941\shpright10385\shpbottom4211\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz214\shplid9
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 270}}
{\sp{\sn pVerticies}{\sv 8;5;(1,270);(8859,270);(8859,1);(1,1);(1,270)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop4210\shpright10385\shpbottom4480\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz254\shplid10
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 270}}
{\sp{\sn pVerticies}{\sv 8;5;(1,269);(8859,269);(8859,1);(1,1);(1,269)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop4479\shpright10385\shpbottom4746\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz280\shplid11
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 267}}
{\sp{\sn pVerticies}{\sv 8;5;(1,267);(8859,267);(8859,0);(1,0);(1,267)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop4745\shpright10385\shpbottom5255\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz294\shplid12
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 510}}
{\sp{\sn pVerticies}{\sv 8;5;(1,510);(8859,510);(8859,1);(1,1);(1,510)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop5254\shpright10385\shpbottom5524\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz322\shplid13
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 270}}
{\sp{\sn pVerticies}{\sv 8;5;(1,269);(8859,269);(8859,1);(1,1);(1,269)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}

{\shp {\*\shpinst\shpleft1526\shptop5523\shpright10385\shpbottom5793\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz374\shplid14
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 270}}
{\sp{\sn pVerticies}{\sv 8;5;(1,270);(8859,270);(8859,1);(1,1);(1,270)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop5793\shpright10385\shpbottom6302\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz388\shplid15
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 509}}
{\sp{\sn pVerticies}{\sv 8;5;(1,509);(8859,509);(8859,0);(1,0);(1,509)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1418\shptop6561\shpright1527\shpbottom8882\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz425\shplid16
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 109}}{\sp{\sn geoBottom}{\sv 2321}}
{\sp{\sn pVerticies}{\sv 8;5;(1,2321);(109,2321);(109,0);(1,0);(1,2321)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft10384\shptop6561\shpright10493\shpbottom8882\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz427\shplid17
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 109}}{\sp{\sn geoBottom}{\sv 2321}}
{\sp{\sn pVerticies}{\sv 8;5;(1,2321);(109,2321);(109,0);(1,0);(1,2321)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop6576\shpright10385\shpbottom7060\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz435\shplid18
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 484}}
{\sp{\sn pVerticies}{\sv 8;5;(1,484);(8859,484);(8859,1);(1,1);(1,484)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}

{\shp {\*\shpinst\shpleft1526\shptop7060\shpright10385\shpbottom7329\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz467\shplid19
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 269}}
{\sp{\sn pVerticies}{\sv 8;5;(1,269);(8859,269);(8859,0);(1,0);(1,269)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop7329\shpright10385\shpbottom7598\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz493\shplid20
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 269}}
{\sp{\sn pVerticies}{\sv 8;5;(1,269);(8859,269);(8859,0);(1,0);(1,269)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop7597\shpright10385\shpbottom7867\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz507\shplid21
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 270}}
{\sp{\sn pVerticies}{\sv 8;5;(1,269);(8859,269);(8859,1);(1,1);(1,269)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop7866\shpright10385\shpbottom8373\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz521\shplid22
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 507}}
{\sp{\sn pVerticies}{\sv 8;5;(1,507);(8859,507);(8859,0);(1,0);(1,507)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop8373\shpright10385\shpbottom8882\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz549\shplid23
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 509}}
{\sp{\sn pVerticies}{\sv 8;5;(1,509);(8859,509);(8859,0);(1,0);(1,509)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}

{\shp {\*\shpinst\shpleft1418\shptop9143\shpright1527\shpbottom10687\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz624\shplid24
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 109}}{\sp{\sn geoBottom}{\sv 1544}}
{\sp{\sn pVerticies}{\sv 8;5;(1,1544);(109,1544);(109,0);(1,0);(1,1544)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft10384\shptop9143\shpright10493\shpbottom10687\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz626\shplid25
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 109}}{\sp{\sn geoBottom}{\sv 1544}}
{\sp{\sn pVerticies}{\sv 8;5;(1,1544);(109,1544);(109,0);(1,0);(1,1544)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop9150\shpright10385\shpbottom9641\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz634\shplid26
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 491}}
{\sp{\sn pVerticies}{\sv 8;5;(1,490);(8859,490);(8859,0);(1,0);(1,490)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop9640\shpright10385\shpbottom9909\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz666\shplid27
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 269}}
{\sp{\sn pVerticies}{\sv 8;5;(1,269);(8859,269);(8859,0);(1,0);(1,269)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
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{\shp {\*\shpinst\shpleft1526\shptop13536\shpright10385\shpbottom14045\shpfhdr0\
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g20}{\bkmkend Pg20}\par\pard\ql \li8973\sb0\sl-207\slmult0 \par\pard\ql\li8973\s
b0\sl-207\slmult0 \par\pard\ql\li8973\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Executive summary \par\pard\ql \li1526\sb0\s
l-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb129\s
l-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recomm
endation 31: \par\pard\qj \li1526\ri1338\sb113\sl-270\slmult0 \up0 \expndtw0\cha
rscalex100 \ul0\nosupersub\cf4\f5\fs22 That lending institutions remind mortgago
rs annually of their obligations to hold home insurance \line \up0 \expndtw0\cha
rscalex103 and of the risks of under-insurance in order to minimise non-insuranc
e and under insurance of \line \up0 \expndtw-3\charscalex100 homes. \par\pard\ql
\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\
li1526\sb119\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f
17\fs22 Recommendation 32: \par\pard\qj \li1526\ri1320\sb122\sl-260\slmult0 \up0
\expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That all home building insu
rance policies providing sum insured cover be modified by the end of \up0 \expnd
tw-2\charscalex100 2014 so as to include replacement value cover in the event of
total loss of the home. \par\pard\qj \li1526\ri1325\sb252\sl-270\slmult0 \up0 \
expndtw0\charscalex105 That during the transition period insurers consider how t
he design features of home building \up0 \expndtw0\charscalex100 replacement val
ue policies should respond following a natural disaster, including the condition
s \up0 \expndtw-3\charscalex100 under which cash settlements are to be offered a
nd finalised. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl
-253\slmult0 \par\pard\ql\li1526\sb119\sl-253\slmult0 \up0 \expndtw-3\charscalex
100 \ul0\nosupersub\cf16\f17\fs22 Recommendation 33: \par\pard\qj \li1526\ri1327
\sb122\sl-260\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 T
hat subsection 35(2) of the Insurance Contracts Act 1984 be amended so that poli
cyholders are \up0 \expndtw-2\charscalex100 not deemed to be clearly informed of
a deviation from \u8216?standard cover\u8217? by simply being provided a \up0 \
expndtw-3\charscalex100 copy of the insurance policy or product disclosure state
ment. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slm
ult0 \par\pard\ql\li1526\sb120\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0
\nosupersub\cf16\f17\fs22 Recommendation 34: \par\pard\qj \li1526\ri1345\sb122\s
l-260\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That, in
endorsing the Government proposal for a Key Facts Statement, the Key Facts State
ment \line \up0 \expndtw0\charscalex107 list replacement cover and all natural d
isaster events, identified as \up0 \expndtw0\charscalex106 \u8216?standard cover
\u8217? in the \par\pard\ql \li1526\sb26\sl-253\slmult0 \up0 \expndtw-3\charscal
ex100 Insurance Contracts Regulations 1985. \par\pard\qj \li1526\ri1335\sb225\sl
-280\slmult0 \up0 \expndtw0\charscalex103 That insurers issue a Key Facts Statem
ent to policy holders with all new policies written and all \up0 \expndtw-3\char
scalex100 policy renewals on an annual basis. \par\pard\ql \li1526\sb0\sl-253\sl
mult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb117\sl-253\sl
mult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recommendation
35: \par\pard\qj \li1526\ri1342\sb113\sl-270\slmult0 \up0 \expndtw0\charscalex1
00 \ul0\nosupersub\cf4\f5\fs22 That a \u8216?health warning\u8217? be provided b
y insurers to the purchasers of home and contents policies \line \up0 \expndtw0\
charscalex106 that do not include full flood cover or full replacement cover. Th
e health warning should be \line \up0 \expndtw-3\charscalex100 provided: \par\pa

rd\ql \li1526\sb245\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub

\cf20\f21\fs22 \u8226?\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22
in the Key Facts Statement; \par\pard\ql \li1526\sb247\sl-253\slmult0 \up0 \e
xpndtw-4\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\ul0\nosupersub\cf11
\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 verbally at the time of telephone purch
ase; and \par\pard\ql \li1526\sb247\sl-253\slmult0 \up0 \expndtw-3\charscalex100
\ul0\nosupersub\cf20\f21\fs22 \u8226?\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupe
rsub\cf4\f5\fs22 in writing on internet quotation software for all online purc
hases. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\sl
mult0 \par\pard\ql\li1526\sb121\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul
0\nosupersub\cf16\f17\fs22 Recommendation 36: \par\pard\qj \li1526\ri1319\sb105\
sl-280\slmult0 \up0 \expndtw0\charscalex108 \ul0\nosupersub\cf4\f5\fs22 That the
Commonwealth Government introduce a standard definition of flood in the form \u
p0 \expndtw-2\charscalex100 proposed in the \u8216?Reforming flood insurance: Cl
earing the waters\u8217? consultation paper.
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89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g21}{\bkmkend Pg21}\par\pard\ql \li8973\sb0\sl-207\slmult0 \par\pard\ql\li8973\s
b0\sl-207\slmult0 \par\pard\ql\li8973\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Executive summary \par\pard\ql \li1526\sb0\s
l-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb129\s
l-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recomm
endation 37: \par\pard\qj \li1526\ri1322\sb122\sl-260\slmult0 \up0 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf4\f5\fs22 That, in order to give general insurance
policyholders the same legal remedies as other consumers, \up0 \expndtw-3\chars
calex100 unfair contract terms laws be applied to general insurance. \par\pard\q
l \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql
\li1526\sb140\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\
f17\fs22 Recommendation 38: \par\pard\qj \li1526\ri1343\sb85\sl-280\slmult0 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That every APRA-authorised
general insurer adopt and comply with the General Insurance Code of \line \up0
\expndtw-2\charscalex100 Practice. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\
pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb117\sl-253\slmult0 \up0
\expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recommendation 39: \par\p
ard\qj \li1526\ri1335\sb113\sl-270\slmult0 \up0 \expndtw0\charscalex100 \ul0\nos
upersub\cf4\f5\fs22 That the Insurance Council of Australia amend the Code of Pr
actice to impose a four month time \up0 \expndtw-1\charscalex100 limit (subject
to exceptional circumstances) to make a determination as to liability and the na

ture \up0 \expndtw-3\charscalex100 of the loss or damage with respect to a claim

. \par\pard\qj \li1526\ri1329\sb259\sl-260\slmult0 \up0 \expndtw0\charscalex102
That, should a claimant not receive a determination within the four month period
, the claim be \up0 \expndtw-2\charscalex100 automatically escalated to an inter
nal dispute resolution complaint and the insurer notify the Code \up0 \expndtw-3
\charscalex100 Compliance Committee of the breach of the Code. \par\pard\ql \li1
526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li152
6\sb140\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs
22 Recommendation 40: \par\pard\qj \li1526\ri1324\sb117\sl-266\slmult0 \up0 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That the Insurance Council of A
ustralia repeal clauses 4.3 and 4.4 of the General Insurance Code of \up0 \expnd
tw0\charscalex100 Practice, so that claims arising from natural disasters are su
bject to the same minimum standards \up0 \expndtw0\charscalex104 as other claims
\u8212? including the four month time limit for a determination on liability an
d the \up0 \expndtw-3\charscalex100 nature of the loss/damage with respect to th
e claim. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\
slmult0 \par\pard\ql\li1526\sb139\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \
ul0\nosupersub\cf16\f17\fs22 Recommendation 41: \par\pard\qj \li1526\ri1318\sb91
\sl-273\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That t
he Insurance Council of Australia amend clause 4.5 of the General Insurance Code
of Practice \up0 \expndtw0\charscalex105 to extend the time within which claima
nts in natural disasters have the right to make further \up0 \expndtw0\charscale
x100 claims or lodge reviews after the finalisation of an initial claim to seven
months from the date of \up0 \expndtw-2\charscalex100 the relevant natural disa
ster, regardless of when the initial claim was finalised.
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{\sp{\sn pVerticies}{\sv 8;5;(1,2590);(109,2590);(109,0);(1,0);(1,2590)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop4474\shpright10385\shpbottom4967\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz257\shplid12
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 493}}
{\sp{\sn pVerticies}{\sv 8;5;(1,493);(8859,493);(8859,0);(1,0);(1,493)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}

}}
{\shp {\*\shpinst\shpleft1526\shptop4966\shpright10385\shpbottom5236\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz289\shplid13
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 270}}
{\sp{\sn pVerticies}{\sv 8;5;(1,270);(8859,270);(8859,1);(1,1);(1,270)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
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}}
{\shp {\*\shpinst\shpleft1526\shptop5235\shpright10385\shpbottom5504\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz327\shplid14
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 269}}
{\sp{\sn pVerticies}{\sv 8;5;(1,269);(8859,269);(8859,1);(1,1);(1,269)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
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}}
{\shp {\*\shpinst\shpleft1526\shptop5504\shpright10385\shpbottom6014\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz341\shplid15
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 510}}
{\sp{\sn pVerticies}{\sv 8;5;(1,510);(8859,510);(8859,0);(1,0);(1,510)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
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}}
{\shp {\*\shpinst\shpleft1526\shptop6013\shpright10385\shpbottom6283\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz369\shplid16
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 270}}
{\sp{\sn pVerticies}{\sv 8;5;(1,269);(8859,269);(8859,1);(1,1);(1,269)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop6282\shpright10385\shpbottom6551\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz395\shplid17
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 269}}
{\sp{\sn pVerticies}{\sv 8;5;(1,269);(8859,269);(8859,0);(1,0);(1,269)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}

}}
{\shp {\*\shpinst\shpleft1526\shptop6551\shpright10385\shpbottom7060\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz409\shplid18
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn pVerticies}{\sv 8;5;(1,509);(8859,509);(8859,0);(1,0);(1,509)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
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1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1418\shptop7319\shpright1527\shpbottom9131\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz446\shplid19
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 109}}{\sp{\sn geoBottom}{\sv 1812}}
{\sp{\sn pVerticies}{\sv 8;5;(1,1812);(109,1812);(109,0);(1,0);(1,1812)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
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}}
{\shp {\*\shpinst\shpleft10384\shptop7319\shpright10493\shpbottom9131\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz448\shplid20
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 109}}{\sp{\sn geoBottom}{\sv 1812}}
{\sp{\sn pVerticies}{\sv 8;5;(1,1812);(109,1812);(109,0);(1,0);(1,1812)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
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1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop7333\shpright10385\shpbottom7819\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz456\shplid21
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 486}}
{\sp{\sn pVerticies}{\sv 8;5;(1,485);(8859,485);(8859,0);(1,0);(1,485)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop7818\shpright10385\shpbottom8087\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz488\shplid22
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 269}}
{\sp{\sn pVerticies}{\sv 8;5;(1,269);(8859,269);(8859,0);(1,0);(1,269)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}

}}
{\shp {\*\shpinst\shpleft1526\shptop8087\shpright10385\shpbottom8354\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz514\shplid23
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 267}}
{\sp{\sn pVerticies}{\sv 8;5;(1,267);(8859,267);(8859,0);(1,0);(1,267)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop8353\shpright10385\shpbottom8623\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz528\shplid24
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 270}}
{\sp{\sn pVerticies}{\sv 8;5;(1,269);(8859,269);(8859,1);(1,1);(1,269)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop8622\shpright10385\shpbottom9131\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz591\shplid25
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 509}}
{\sp{\sn pVerticies}{\sv 8;5;(1,509);(8859,509);(8859,0);(1,0);(1,509)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1418\shptop9393\shpright1527\shpbottom11205\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz628\shplid26
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 109}}{\sp{\sn geoBottom}{\sv 1812}}
{\sp{\sn pVerticies}{\sv 8;5;(1,1812);(109,1812);(109,0);(1,0);(1,1812)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft10384\shptop9393\shpright10493\shpbottom11205\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz630\shplid27
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 109}}{\sp{\sn geoBottom}{\sv 1812}}
{\sp{\sn pVerticies}{\sv 8;5;(1,1812);(109,1812);(109,0);(1,0);(1,1812)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}

}}
{\shp {\*\shpinst\shpleft1526\shptop9402\shpright10385\shpbottom9890\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz638\shplid28
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 488}}
{\sp{\sn pVerticies}{\sv 8;5;(1,488);(8859,488);(8859,0);(1,0);(1,488)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop9890\shpright10385\shpbottom10159\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz670\shplid29
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 269}}
{\sp{\sn pVerticies}{\sv 8;5;(1,269);(8859,269);(8859,0);(1,0);(1,269)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
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1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop10159\shpright10385\shpbottom10428\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz684\shplid30
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 269}}
{\sp{\sn pVerticies}{\sv 8;5;(1,269);(8859,269);(8859,0);(1,0);(1,269)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop10427\shpright10385\shpbottom10697\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz710\shplid31
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 270}}
{\sp{\sn pVerticies}{\sv 8;5;(1,269);(8859,269);(8859,1);(1,1);(1,269)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop10696\shpright10385\shpbottom11205\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz724\shplid32
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 509}}
{\sp{\sn pVerticies}{\sv 8;5;(1,509);(8859,509);(8859,0);(1,0);(1,509)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}

}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g22}{\bkmkend Pg22}\par\pard\ql \li8973\sb0\sl-207\slmult0 \par\pard\ql\li8973\s
b0\sl-207\slmult0 \par\pard\ql\li8973\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Executive summary \par\pard\ql \li1526\sb0\s
l-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb129\s
l-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recomm
endation 42: \par\pard\qj \li1526\ri1344\sb122\sl-260\slmult0 \up0 \expndtw0\cha
rscalex100 \ul0\nosupersub\cf4\f5\fs22 That the Insurance Council of Australia a
mend the General Insurance Code of Practice to require \line \up0 \expndtw-3\cha
rscalex100 that: \par\pard\ql \li1526\ri1337\sb260\sl-260\slmult0\tx1810\tx1810
\up0 \expndtw0\charscalex100 \ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0\nosupersu
b\cf13\f14\fs20 \ul0\nosupersub\cf4\f5\fs22 internal dispute resolution proce
sses be independent of the claims handling department and \line\tab \up0 \expndt
w-4\charscalex100 the internal dispute resolution officers have the authority to
overturn the original decisions and \line\tab \up0 \expndtw-5\charscalex100 to
accept claims; \par\pard\ql \li1526\ri1336\sb256\sl-266\slmult0\tx1810\tx1810\tx
1810 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0\nosu
persub\cf13\f14\fs20 \ul0\nosupersub\cf4\f5\fs22 internal dispute resolution
complaints be finalised within an aggregate of 45 days and if this \line\tab \up
0 \expndtw-2\charscalex100 time limit is not met, the insurer to advise the clai
mant of his or her right to lodge an external \line\tab \up0 \expndtw-3\charscal
ex100 dispute resolution complaint with the Financial Ombudsman Service (if appl
icable) and to seek \line\tab \up0 \expndtw-3\charscalex100 independent legal ad
vice; \par\pard\qj \li1526\ri1319\sb259\sl-260\slmult0\tx1810 \up0 \expndtw0\cha
rscalex103 \ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0\nosupersub\cf13\f14\fs20 \
ul0\nosupersub\cf4\f5\fs22 time limits on internal dispute resolution co
mplaints commence immediately after a \line\tab \up0 \expndtw-2\charscalex10
0 policyholder notifies the insurer of a complaint, whether verbally or in writi
ng; and \par\pard\ql \li1526\sb246\sl-253\slmult0 \up0 \expndtw-3\charscalex100
\ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0\nosupersub\cf13\f14\fs20 \ul0\nosuper
sub\cf4\f5\fs22 a general fairness test be applied to claims and complaints ha
ndling. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\s
lmult0 \par\pard\ql\li1526\sb141\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \u
l0\nosupersub\cf16\f17\fs22 Recommendation 43: \par\pard\qj \li1526\ri1329\sb122
\sl-260\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That t
he Insurance Council of Australia amend the General Insurance Code of Practice s
uch that \up0 \expndtw-3\charscalex100 the General Insurance Code Compliance Com
mittee: \par\pard\ql \li1526\ri1329\sb260\sl-260\slmult0\tx1810\tx1810 \up0 \exp
ndtw-3\charscalex100 \ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0\nosupersub\cf13\f
14\fs20 \ul0\nosupersub\cf4\f5\fs22 be appointed in the same manner as FOS Pa
nels, with the independent chair and the consumer \line\tab \up0 \expndtw0\chars
calex102 and industry representatives to be appointed in the same manner as the
ombudsman and \line\tab \up0 \expndtw-3\charscalex100 panel members are appointe
d under the FOS rules; \par\pard\ql \li1526\ri1332\sb252\sl-270\slmult0\tx1810\t
x1810 \up0 \expndtw0\charscalex109 \ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0\nos
upersub\cf13\f14\fs20 \ul0\nosupersub\cf4\f5\fs22 have the authority and reso
urces to record all breaches of the Code reported to it, to \line\tab \up0 \expn
dtw-3\charscalex100 investigate breaches of the Code where appropriate and to co
nduct regular audits of insurance \line\tab \up0 \expndtw-4\charscalex100 compan
ies for compliance with the Code; \par\pard\ql \li1526\sb245\sl-253\slmult0 \up0
\expndtw-3\charscalex100 \ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0\nosupersub\c
f13\f14\fs20 \ul0\nosupersub\cf4\f5\fs22 report serious or systemic breaches
of the Code directly to ASIC; and \par\pard\qj \li1526\sb0\sl-260\slmult0 \par\p
ard\qj\li1526\ri1338\sb2\sl-260\slmult0\tx1810 \up0 \expndtw0\charscalex105 \ul0
\nosupersub\cf21\f22\fs20 \u8226?\ul0\nosupersub\cf13\f14\fs20 \ul0\nosupersub\
cf4\f5\fs22 publicly release annual reports as to Code compliance and breaches
, with insurers to be \line\tab \up0 \expndtw-3\charscalex100 identified in the
reports. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\
slmult0 \par\pard\ql\li1526\sb140\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \
ul0\nosupersub\cf16\f17\fs22 Recommendation 44: \par\pard\qj \li1526\ri1333\sb91

\sl-273\slmult0 \up0 \expndtw0\charscalex105 \ul0\nosupersub\cf4\f5\fs22 That AS

IC conduct a review of the General Insurance Code of Practice three years after
the \up0 \expndtw0\charscalex100 amendments recommended to the Code in this Revi
ew are implemented, in order to assess the \up0 \expndtw-3\charscalex100 effecti
veness of the Code with a view to determining whether an ASIC Regulatory Guide f
or claims \up0 \expndtw-4\charscalex100 handling should then be introduced. \par
\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\
pard\ql\li1526\sb118\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersu
b\cf16\f17\fs22 Recommendation 45: \par\pard\qj \li1526\ri1328\sb122\sl-260\slmu
lt0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That the Commonwea
lth and State governments provide funding for legal advice and assistance \up0 \
expndtw-3\charscalex100 with insurance disputes following natural disasters.
{\shp {\*\shpinst\shpleft1418\shptop1399\shpright1527\shpbottom6321\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz17\shplid0
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{\shp {\*\shpinst\shpleft10384\shptop1399\shpright10493\shpbottom6321\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz19\shplid1
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{\shp {\*\shpinst\shpleft1526\shptop1412\shpright10385\shpbottom1897\shpfhdr0\sh
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn pVerticies}{\sv 8;5;(1,485);(8859,485);(8859,1);(1,1);(1,485)}}
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{\shp {\*\shpinst\shpleft1526\shptop1897\shpright10385\shpbottom2166\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz57\shplid3
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn pVerticies}{\sv 8;5;(1,269);(8859,269);(8859,0);(1,0);(1,269)}}
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}}

{\shp {\*\shpinst\shpleft1526\shptop2165\shpright10385\shpbottom2675\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz101\shplid4
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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}}
{\shp {\*\shpinst\shpleft1526\shptop2674\shpright10385\shpbottom2944\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz133\shplid5
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn pVerticies}{\sv 8;5;(1,269);(8859,269);(8859,1);(1,1);(1,269)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop2943\shpright10385\shpbottom3212\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz177\shplid6
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn pVerticies}{\sv 8;5;(1,269);(8859,269);(8859,0);(1,0);(1,269)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
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}}
{\shp {\*\shpinst\shpleft1526\shptop3212\shpright10385\shpbottom3721\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz207\shplid7
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn pVerticies}{\sv 8;5;(1,509);(8859,509);(8859,0);(1,0);(1,509)}}
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}}
{\shp {\*\shpinst\shpleft1526\shptop3721\shpright10385\shpbottom3990\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz239\shplid8
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn pVerticies}{\sv 8;5;(1,269);(8859,269);(8859,0);(1,0);(1,269)}}
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{\shp {\*\shpinst\shpleft1526\shptop3989\shpright10385\shpbottom4259\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz283\shplid9
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn pVerticies}{\sv 8;5;(1,270);(8859,270);(8859,1);(1,1);(1,270)}}
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
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}}
{\shp {\*\shpinst\shpleft1526\shptop4258\shpright10385\shpbottom4525\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz299\shplid10
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn pVerticies}{\sv 8;5;(1,267);(8859,267);(8859,1);(1,1);(1,267)}}
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
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{\shp {\*\shpinst\shpleft1526\shptop4525\shpright10385\shpbottom5034\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz329\shplid11
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn pVerticies}{\sv 8;5;(1,509);(8859,509);(8859,0);(1,0);(1,509)}}
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{\shp {\*\shpinst\shpleft1526\shptop5034\shpright10385\shpbottom5303\shpfhdr0\sh
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
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{\shp {\*\shpinst\shpleft1526\shptop5302\shpright10385\shpbottom5812\shpfhdr0\sh
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn pVerticies}{\sv 8;5;(1,510);(8859,510);(8859,1);(1,1);(1,510)}}
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
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{\shp {\*\shpinst\shpleft1526\shptop5812\shpright10385\shpbottom6321\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz437\shplid14
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn pVerticies}{\sv 8;5;(1,509);(8859,509);(8859,0);(1,0);(1,509)}}
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
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{\shp {\*\shpinst\shpleft1418\shptop6580\shpright1527\shpbottom11234\shpfhdr0\sh
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\shp {\*\shpinst\shpleft10384\shptop6580\shpright10493\shpbottom11234\shpfhdr0\
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{\shp {\*\shpinst\shpleft1526\shptop6593\shpright10385\shpbottom7079\shpfhdr0\sh
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\shp {\*\shpinst\shpleft1526\shptop7079\shpright10385\shpbottom7348\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz578\shplid18
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn pVerticies}{\sv 8;5;(1,269);(8859,269);(8859,0);(1,0);(1,269)}}
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
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{\shp {\*\shpinst\shpleft1526\shptop7348\shpright10385\shpbottom7857\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz592\shplid19
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\shp {\*\shpinst\shpleft1526\shptop7857\shpright10385\shpbottom8126\shpfhdr0\sh
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
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{\shp {\*\shpinst\shpleft1526\shptop8125\shpright10385\shpbottom8392\shpfhdr0\sh
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn pVerticies}{\sv 8;5;(1,267);(8859,267);(8859,1);(1,1);(1,267)}}
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
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{\shp {\*\shpinst\shpleft1526\shptop8392\shpright10385\shpbottom8901\shpfhdr0\sh
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{\shp {\*\shpinst\shpleft1526\shptop9169\shpright10385\shpbottom9439\shpfhdr0\sh
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{\shp {\*\shpinst\shpleft1526\shptop9439\shpright10385\shpbottom9948\shpfhdr0\sh
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{\shp {\*\shpinst\shpleft1526\shptop10725\shpright10385\shpbottom11234\shpfhdr0\
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{\shp {\*\shpinst\shpleft1418\shptop11493\shpright1527\shpbottom13306\shpfhdr0\s
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{\shp {\*\shpinst\shpleft1526\shptop12527\shpright10385\shpbottom12797\shpfhdr0\
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{\shp {\*\shpinst\shpleft1526\shptop14064\shpright10385\shpbottom14333\shpfhdr0\
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{\shp {\*\shpinst\shpleft1526\shptop14333\shpright10385\shpbottom14842\shpfhdr0\
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g23}{\bkmkend Pg23}\par\pard\ql \li8973\sb0\sl-207\slmult0 \par\pard\ql\li8973\s
b0\sl-207\slmult0 \par\pard\ql\li8973\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Executive summary \par\pard\ql \li1526\sb0\s
l-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb129\s
l-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recomm
endation 46: \par\pard\qj \li1526\ri1319\sb113\sl-270\slmult0 \up0 \expndtw0\cha
rscalex100 \ul0\nosupersub\cf4\f5\fs22 That the current formula for the cost of
rebuilding of State and Territory assets under the Natural \up0 \expndtw0\charsc
alex105 Disaster Relief and Recovery Arrangements be changed to expenditure befo
re any insurance \up0 \expndtw-2\charscalex100 recoveries by the State or Territ
ory rather than net of any insurance recoveries. \par\pard\ql \li1526\sb0\sl-253
\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb119\sl-253
\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recommendat
ion 47: \par\pard\qj \li1526\ri1323\sb113\sl-270\slmult0 \up0 \expndtw0\charscal
ex102 \ul0\nosupersub\cf4\f5\fs22 That the Government give priority to introduci
ng legislation necessary to ensure that all home, \up0 \expndtw0\charscalex103 c
ontents and home unit insurance policies include flood cover and to establish a
new national \up0 \expndtw-3\charscalex100 agency for flood risk management and
flood reinsurance purposes.
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g24}{\bkmkend Pg24}\par\pard\ql \li1418\sb0\sl-379\slmult0 \par\pard\ql\li1418\s
b0\sl-379\slmult0 \par\pard\ql\li1418\sb0\sl-379\slmult0 \par\pard\ql\li1418\sb0
\sl-379\slmult0 \par\pard\ql\li1418\sb30\sl-379\slmult0 \up0 \expndtw0\charscale
x102 \ul0\nosupersub\cf23\f24\fs36 Chapter 1.\ul0\nosupersub\cf24\f25\fs36 \ul0
\nosupersub\cf23\f24\fs36 I\ul0\nosupersub\cf25\f26\fs29 NTRODUCTION \par\pard
\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1214\sb100\sl-260\slmult0 \
up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 1.1.\ul0\nosupersub\cf11
\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Natural disasters, including bushfires,
floods, storms, cyclones and earthquakes, are a feature \up0 \expndtw-1\charsca
lex100 of the Australian climate and landscape. Since the 1800s, European settle
ment in Australia has been \up0 \expndtw-2\charscalex100 adversely affected by n
atural disasters. Governor Macquarie, in 1819, pronounced: \par\pard\qj \li1985\
ri1211\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex106 \ul0\nosupersub\cf19\f2
0\fs22 \u8216?When the too fatal consequences of years has shown the S
ufferers the inevitable \up0 \expndtw0\charscalex102 consequences of their wil
ful and wayward habit of placing their Residences and Stock Yards \up0 \expndtw0
\charscalex102 within the reach of floods and whilst it must be still in their R
emembrance, that many of the \up0 \expndtw0\charscalex108 deplorable losses woul
d have been in great Measure arrested had the Settlers paid due \up0 \expndtw0\c
harscalex103 consideration of their own interests, and to the frequent Admonitio
ns to remain within the \up0 \expndtw-3\charscalex100 flood marks of the townshi
ps assigned to them on the high lands. \par\pard\qj \li1985\ri1221\sb240\sl-260\
slmult0 \up0 \expndtw0\charscalex100 Those, who notwithstanding shall perversely
neglect the present admonition and Exhortation \up0 \expndtw0\charscalex102 to
their own Benefit, must be considered wilfully and obstinately blind to their ow
n interests \up0 \expndtw-3\charscalex100 and undeserving any future Indulgences
.\u8217?\ul0\super\cf26\f27\fs20 1 \par\pard\qj \li1418\ri1218\sb240\sl-260\slmu
lt0 \up0 \expndtw0\charscalex108 \ul0\nosupersub\cf4\f5\fs22 1.2.\ul0\nosupersub
\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The average annual cost of the dam
age caused by floods and other natural disasters is \up0 \expndtw-2\charscalex10
0 estimated to be over $1 billion,\ul0\super\cf26\f27\fs20 2\ul0\nosupersub\cf4\
f5\fs22 with devastating losses experienced by individuals, communities and \up
0 \expndtw-1\charscalex100 the economy. A range of research suggests that the nu
mber and severity of extreme weather events \up0 \expndtw-3\charscalex100 in Aus
tralia is set to rise.\ul0\super\cf26\f27\fs20 3 \par\pard\ql \li1418\sb0\sl-264
\slmult0 \par\pard\ql\li1418\sb0\sl-264\slmult0 \par\pard\ql\li1418\sb9\sl-264\s
lmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf9\f10\fs28 T\ul0\nosupers
ub\cf10\f11\fs22 HE \ul0\nosupersub\cf9\f10\fs28 N\ul0\nosupersub\cf10\f11\fs22
ATIONAL \ul0\nosupersub\cf9\f10\fs28 S\ul0\nosupersub\cf10\f11\fs22 TRATEGY \ul0
\nosupersub\cf9\f10\fs28 F\ul0\nosupersub\cf10\f11\fs22 OR \ul0\nosupersub\cf9\f
10\fs28 D\ul0\nosupersub\cf10\f11\fs22 ISASTER \ul0\nosupersub\cf9\f10\fs28 R\ul
0\nosupersub\cf10\f11\fs22 ESILIENCE \par\pard\qj \li1418\ri1207\sb260\sl-260\sl
mult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 1.3.\ul0\nosupers
ub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 At its meeting on 13 February 20
11, the Council of Australian Governments (COAG) adopted \line \up0 \expndtw0\c
harscalex100 the National Strategy for Disaster Resilience to improve Australia
\u8217?s ability to withstand and recover \line \up0 \expndtw0\charscalex102 fro
m future disasters. The Strategy focuses on the shared responsibility of governm
ents, business \line \up0 \expndtw0\charscalex103 and communities in preparing f
or, and responding to, disasters. COAG agreed to take immediate \line \up0 \expn
dtw0\charscalex106 steps to implement the Strategy. Key elements of the
Strategy are understanding risks, \line \up0 \expndtw-1\charscalex100 commun
icating with and educating people about risks, empowering individuals and commun

ities to \line \up0 \expndtw-2\charscalex100 exercise choice and take responsibi

lity, and reducing risks in the built environment. \par\pard\qj \li1418\ri1223\s
b220\sl-260\slmult0 \up0 \expndtw0\charscalex100 1.4.\ul0\nosupersub\cf11\f12\fs
22 \ul0\nosupersub\cf4\f5\fs22 As part of the Strategy, the Commonwealth, Sta
te and Territory governments will be working \up0 \expndtw-2\charscalex100 toget
her to support strategies to foster greater individual and community resilience,
including having \up0 \expndtw0\charscalex107 adequate and appropriate levels o
f insurance cover. The Terms of Reference for this Review, \up0 \expndtw0\charsc
alex102 announced by the Assistant Treasurer on 4 March 2011, make clear that th
e Review is part of the \up0 \expndtw-3\charscalex100 National Strategy for Disa
ster Resilience. \par\pard\qj \li1418\sb0\sl-250\slmult0 \par\pard\qj\li1418\ri1
241\sb19\sl-250\slmult0 \up0 \expndtw0\charscalex100 1.5.\ul0\nosupersub\cf11\f1
2\fs22 \ul0\nosupersub\cf4\f5\fs22 The Review Panel responded to the Terms of
Reference in the first instance by preparing and \line \up0 \expndtw0\charscale
x100 publishing, on 2 June 2011, an Issues Paper that sought public submissions.
As a result, more than \line \up0 \expndtw0\charscalex100 100 submissions were
received from both private individuals and organisations, including insurers, \p
ar\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li
1418\sb145\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf27\f28\fs18 1\tab \up0 \expndtw-1\charscalex100 Extract from Government and
General Orders, Government House Sydney, 5 March 1817.\par\pard\li1418\sb52\sl207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 2\tab \up0 \expndtw-1\chars
calex100 Bureau of Transport Economics, \u8216?Economic Costs of Natural Disaste
rs in Australia\u8217?, Report 103, 2001.\par\pard\li1418\sb52\sl-207\slmult0\fi
566 \up0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.btre
.gov.au/info.aspx?ResourceId=199&NodeId=58" }}{\fldrslt {\ul0\nosupersub\cf27\f2
8\fs18 http://www.btre.gov.au/info.aspx?ResourceId=199&NodeId=58}}}\ul0\nosupers
ub\cf27\f28\fs18 This report estimated that the average annual cost\par\pard\li
1418\sb55\sl-207\slmult0\fi566 \up0 \expndtw-1\charscalex100 of natural disaster
s in Australia to be $1.14 billion over the period 1967-1999.\par\pard\li1418\sb
52\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 3\tab \up0 \expndtw-1
\charscalex100 Middelmann, Miriam H (Editor), \u8216?Natural Hazards in Australi
a Identifying Risk Analysis Requirements\u8217? 2007\par\pard\li1418\sb52\sl-207
\slmult0\fi566 \up0 \expndtw-2\charscalex100 Geoscience Australia Canberra p iii
.\par\pard\ql \li1985\sb35\sl-216\slmult0 \up0 \expndtw-1\charscalex100 {\field{
\*\fldinst {HYPERLINK "https://www.ga.gov.au/products/servlet/controller?event=G
EOCAT_DETAILS&catno=65444" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 https://ww
w.ga.gov.au/products/servlet/controller?event=GEOCAT_DETAILS&catno=65444}}} \par
\pard\ql \li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\
pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb131\sl-207\slmult0 \up0
\expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs18 19
{\shp {\*\shpinst\shpleft1418\shptop13226\shpright4299\shpbottom13246\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz491\shplid0
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 2881}}{\sp{\sn geoBottom}{\sv 20}}
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g25}{\bkmkend Pg25}\par\pard\ql \li8675\sb0\sl-207\slmult0 \par\pard\ql\li8675\s
b0\sl-207\slmult0 \par\pard\ql\li8675\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 1: Introduction \par\pard\qj \li1418
\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1214\sb230\sl-260\slmult0 \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 governments and government agencie
s, consumer groups and various experts. During the course of \up0 \expndtw0\char
scalex104 the Review, Panel members have also consulted directly, both individua

lly and collectively, with \up0 \expndtw0\charscalex103 representatives of ins

urers, local and state governments, consumer groups and community \up0 \
expndtw-3\charscalex100 representatives including some affected by the floods an
d cyclone. \par\pard\ql \li1418\sb0\sl-264\slmult0 \par\pard\ql\li1418\sb0\sl-26
4\slmult0 \par\pard\ql\li1418\sb9\sl-264\slmult0 \up0 \expndtw-3\charscalex100 \
ul0\nosupersub\cf9\f10\fs28 T\ul0\nosupersub\cf10\f11\fs22 HE \ul0\nosupersub\cf
9\f10\fs28 R\ul0\nosupersub\cf10\f11\fs22 OLE \ul0\nosupersub\cf9\f10\fs28 O\ul0
\nosupersub\cf10\f11\fs22 F \ul0\nosupersub\cf9\f10\fs28 I\ul0\nosupersub\cf10\f
11\fs22 NSURANCE \ul0\nosupersub\cf9\f10\fs28 I\ul0\nosupersub\cf10\f11\fs22 N \
ul0\nosupersub\cf9\f10\fs28 R\ul0\nosupersub\cf10\f11\fs22 ECOVERING \ul0\nosupe
rsub\cf9\f10\fs28 F\ul0\nosupersub\cf10\f11\fs22 ROM \ul0\nosupersub\cf9\f10\fs2
8 N\ul0\nosupersub\cf10\f11\fs22 ATURAL \ul0\nosupersub\cf9\f10\fs28 D\ul0\nosup
ersub\cf10\f11\fs22 ISASTERS \par\pard\qj \li1418\ri1219\sb260\sl-260\slmult0 \u
p0 \expndtw0\charscalex107 \ul0\nosupersub\cf4\f5\fs22 1.6.\ul0\nosupersub\cf11\
f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Insurance is a key element in building c
ommunity resilience to adverse weather events, \up0 \expndtw0\charscalex100 incl
uding natural disasters. It provides financial protection in the event of loss t
hrough a process of \up0 \expndtw0\charscalex102 aggregating premiums and spread
ing risk. All owners of property, including homeowners, renters \up0 \expndtw-1\
charscalex100 and small businesses, are able to protect themselves financially f
rom natural disasters by purchasing \up0 \expndtw-2\charscalex100 insurance. Ove
r the last 5 years, Australian insurers have compensated consumers and businesse
s by \up0 \expndtw-2\charscalex100 paying over $11 billion in claims for weather
events.\ul0\super\cf28\f29\fs24 4 \par\pard\qj \li1418\ri1202\sb240\sl-260\slmu
lt0 \up0 \expndtw0\charscalex104 \ul0\nosupersub\cf4\f5\fs22 1.7.\ul0\nosupersub
\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Having insurance for natural disas
ters does not reduce the number of deaths and injuries, \up0 \expndtw0\charscale
x104 physical damage and the disruption to normal life. However, it provides rea
dily available funds, \up0 \expndtw-1\charscalex100 following loss, through the
insurance industry\u8217?s well-established delivery channels. Insurance, which
\up0 \expndtw0\charscalex102 is essentially risk transfer, allows the economy to
manage risk more effectively, reducing financial \up0 \expndtw0\charscalex100 u
ncertainty in the event of a disaster and allowing for a more efficient use of c
apital by individuals, \up0 \expndtw-2\charscalex100 business and government. In
surance assists individuals, business and the community more broadly to \up0 \ex
pndtw-3\charscalex100 recover financially from disasters. \par\pard\qj \li1418\r
i1209\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex100 1.8.\ul0\nosupersub\cf11
\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Insurance can also play a role in encou
raging mitigation to reduce losses from future weather \up0 \expndtw0\charscalex
100 events. The price, or premium, for insurance provides signals about the leve
l of risk from a range of \up0 \expndtw-2\charscalex100 hazards and gives some e
ncouragement for risk mitigation and reduced vulnerability to loss. \par\pard\qj
\li1418\ri1236\sb240\sl-260\slmult0 \up0 \expndtw-1\charscalex100 1.9.\ul0\nosu
persub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Home insurance policies in A
ustralia have traditionally provided cover for storms, earthquakes, \line \up0 \
expndtw0\charscalex100 bushfires and cyclones. This has resulted in the private
insurance industry playing the role expected \line \up0 \expndtw0\charscalex104
of it by the community in many recent natural disasters in Australia, including
the Hunter Valley \line \up0 \expndtw-1\charscalex100 storms in 2007, the Black
Saturday bushfires in Victoria in 2009, the Perth and Melbourne hailstorms \line
\up0 \expndtw-1\charscalex100 in 2010 and Cyclone Yasi in 2011. In these events
, insurance policies generally responded well to the \line \up0 \expndtw0\charsc
alex100 losses suffered. Properties that were damaged were repaired or rebuilt a
nd lost possessions were \line \up0 \expndtw0\charscalex104 replaced, enabling c
ommunities to recover from the events. However, not all insurance policies \line
\up0 \expndtw0\charscalex106 provide cover for flood and in the floods of
\up0 \expndtw0\charscalex106 2010 and 2011 many policyholders were not \par\pa
rd\ql \li1418\sb6\sl-253\slmult0 \up0 \expndtw-3\charscalex100 compensated for t
heir losses. \par\pard\ql \li1418\sb0\sl-264\slmult0 \par\pard\ql\li1418\sb254\s
l-264\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf9\f10\fs28 H\ul0\n

osupersub\cf10\f11\fs22 ISTORY OF \ul0\nosupersub\cf9\f10\fs28 F\ul0\nosupersub\

cf10\f11\fs22 LOOD \ul0\nosupersub\cf9\f10\fs28 I\ul0\nosupersub\cf10\f11\fs22 N
SURANCE \ul0\nosupersub\cf9\f10\fs28 I\ul0\nosupersub\cf10\f11\fs22 N \ul0\nosup
ersub\cf9\f10\fs28 A\ul0\nosupersub\cf10\f11\fs22 USTRALIA \par\pard\qj \li1418\
ri1235\sb260\sl-260\slmult0 \up0 \expndtw0\charscalex106 \ul0\nosupersub\cf4\f5\
fs22 1.10.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Historicall
y, flood has not typically been part of home and contents insurance policies in
\line \up0 \expndtw0\charscalex104 Australia. Following flooding in Brisbane
in January \up0 \expndtw0\charscalex103 1974 the then Queensland Insuranc
e \par\pard\ql \li1418\sb6\sl-253\slmult0 \up0 \expndtw-3\charscalex100 Commissi
oner noted that: \par\pard\qj \li1985\ri1228\sb242\sl-260\slmult0 \up0 \expndtw2\charscalex100 \ul0\nosupersub\cf19\f20\fs22 \u8216?It seems likely that the pr
operties of many of the victims of Queensland\u8217?s flood are not covered \up0
\expndtw0\charscalex100 by flood insurance. Unless building and contents polici
es carry a specific extension to include \up0 \expndtw-2\charscalex100 damage by
flood, no flood cover exists. If any policyholder is in any doubt about his pos
ition, he \up0 \expndtw-3\charscalex100 should contact his insurer immediately\u
8217?\ul0\super\cf26\f27\fs20 5 \par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1
418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb15\s
l-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\
fs18 4\tab \up0 \expndtw-1\charscalex100 Pearson, E \u8216?Key Performance Trend
s for the Australian Insurance Market \u8212? slide 15\u8217? from Finity Consul
ting\par\pard\li1418\sb52\sl-207\slmult0\fi566 \up0 \expndtw-1\charscalex100 Pre
sentation at Weathering the Future \u8212? The 18th Sunshine Seminar 20-21 July
2011.\par\pard\li1418\sb55\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex1
00 5\tab \up0 \expndtw-2\charscalex100 Rutherford, JG in The Courier Mail, 31 Ja
nuary 1974.
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g26}{\bkmkend Pg26}\par\pard\ql \li8675\sb0\sl-207\slmult0 \par\pard\ql\li8675\s
b0\sl-207\slmult0 \par\pard\ql\li8675\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 1: Introduction \par\pard\qj \li1418
\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1212\sb230\sl-260\slmult0 \up0 \expndt
w0\charscalex103 \ul0\nosupersub\cf4\f5\fs22 1.11.\ul0\nosupersub\cf11\f12\fs22
\ul0\nosupersub\cf4\f5\fs22 Governments, the insurance industry and indivi
dual insurers have reviewed the flood \up0 \expndtw0\charscalex105 insuranc
e situation after almost every major flooding event since 1974 and have made sev
eral \up0 \expndtw-2\charscalex100 attempts to find solutions which would be acc
eptable to the community and insurers. \par\pard\qj \li1418\ri1225\sb240\sl-260\
slmult0 \up0 \expndtw0\charscalex100 1.12.\ul0\nosupersub\cf11\f12\fs22 \ul0\no
supersub\cf4\f5\fs22 In October 1974, a Committee made up of members of the Aust
ralian Insurance Association, \up0 \expndtw0\charscalex105 overseas reinsurers,
brokers and loss adjusters presented a report to the Government entitled \up0 \e
xpndtw0\charscalex107 \ul0\nosupersub\cf19\f20\fs22 Feasibility Study into the I
ntroduction of a Natural Disaster Insurance Scheme for Australia\ul0\nosupersub\
cf4\f5\fs22 . It \up0 \expndtw0\charscalex102 suggested that a scheme be establi
shed for the provision of insurance cover against flooding and \up0 \expndtw-3\c
harscalex100 several other natural hazards. \par\pard\qj \li1418\ri1215\sb240\sl
-260\slmult0 \up0 \expndtw0\charscalex103 1.13.\ul0\nosupersub\cf11\f12\fs22 \u
l0\nosupersub\cf4\f5\fs22 In March 1976, the Commonwealth Government announced t

hat it agreed, in principle, to \up0 \expndtw0\charscalex106 introduce a natural

disaster insurance scheme and established a working party of officials and \up0
\expndtw0\charscalex100 insurance executives to formulate a scheme. The working
party recommended that insurers form a \up0 \expndtw-2\charscalex100 pool to of
fer natural disaster cover for households and small business. \par\pard\qj \li14
18\ri1228\sb240\sl-260\slmult0 \up0 \expndtw-1\charscalex100 1.14.\ul0\nosupersu
b\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The insurance industry had been str
ongly supportive of a scheme following the 1974 disasters. \up0 \expndtw0\charsc
alex102 However, in the period 1976 to 1979 this strong commitment waned and a g
reater divergence of \up0 \expndtw-3\charscalex100 views within the industry eme
rged. \par\pard\qj \li1418\ri1219\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex
105 1.15.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 In January 1
979, the then Treasurer announced that the Government had decided not to \up0 \e
xpndtw0\charscalex100 proceed with the implementation of a scheme of this kind.
He suggested that such a scheme would \up0 \expndtw-2\charscalex100 be inappropr
iate on budgetary, technical and insurance policy grounds.\ul0\super\cf26\f27\fs
20 6 \par\pard\qj \li1418\ri1227\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex1
04 \ul0\nosupersub\cf4\f5\fs22 1.16.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupers
ub\cf4\f5\fs22 Little changed with regard to the provision of flood cover once t
he proposal for a national \up0 \expndtw-1\charscalex100 disaster insurance sche
me was rejected. Industry concerns about the magnitude of exposures, a lack \up0
\expndtw0\charscalex102 of consistent and reliable flood maps, the absence of m
itigation and concerns about the ability of \up0 \expndtw-3\charscalex100 policy
holders to afford flood cover remained. \par\pard\qj \li1418\ri1210\sb240\sl-260
\slmult0 \up0 \expndtw0\charscalex100 1.17.\ul0\nosupersub\cf11\f12\fs22 \ul0\n
osupersub\cf4\f5\fs22 In the early 1980s, the Northern Territory state-owned ins
urer, the Territory Insurance Office, \up0 \expndtw-1\charscalex100 introduced c
over for flood and storm surge from the sea as standard in household insurance p
olicies \up0 \expndtw0\charscalex100 to ensure that insurance for these events w
as available to residents of the Northern Territory. This \up0 \expndtw0\charsca
lex105 cover has been a part of the Territory's own natural disaster strategy ev
er since. The premiums \up0 \expndtw-2\charscalex100 charged are designed to cov
er the costs of these risks (with some cross-subsidies). \par\pard\qj \li1418\ri
1217\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex108 1.18.\ul0\nosupersub\cf11
\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Commencing 1 January 1986, the \ul0\nosup
ersub\cf19\f20\fs22 Insurance Contracts Act 1984 \ul0\nosupersub\cf4\f5\fs22 in
troduced a statutory \up0 \expndtw0\charscalex100 codification of general (and l
ife) insurance contracts. Inter alia, the Act and the Insurance Contracts \up0 \
expndtw-3\charscalex100 Regulations \up0 \expndtw0\charscalex107 1985 introduced
standard terms and conditions for prescribed general insurance \up0 \expndtw0\c
harscalex104 contracts, including home and contents insurance policies. The stan
dard cover includes as perils \up0 \expndtw0\charscalex105 flood as well as fire
, storm, earthquake, cyclone and actions of the sea, and it also includes full \
up0 \expndtw0\charscalex100 replacement cover for lost or damaged items. However
, insurance companies are permitted to vary \up0 \expndtw0\charscalex103 or excl
ude any of these \u8216?standard cover\u8217? items provided they \u8216?clearly
inform\u8217? policyholders of the \up0 \expndtw-3\charscalex100 exclusions. In
surers have largely continued to exclude flood. \par\pard\qj \li1418\ri1211\sb24
0\sl-260\slmult0 \up0 \expndtw0\charscalex103 1.19.\ul0\nosupersub\cf11\f12\fs22
\ul0\nosupersub\cf4\f5\fs22 In 1989, the insurance industry established the Cl
aims Review Panel (today now part of the \line \up0 \expndtw0\charscalex105 Fina
ncial Ombudsman Service). The Claims Review Panel had the power to review decisi
ons on \line \up0 \expndtw0\charscalex100 individual insurer members, including
with respect to flood damage. Until the advent of the Claims \line \up0 \expndtw
0\charscalex102 Review Panel, very few insurer decisions on flood claims had bee
n tested through the courts. The \line \up0 \expndtw-2\charscalex100 Claims Revi
ew Panel made determinations on the 1993 Benalla floods and the 1998 Townsville
floods \line \up0 \expndtw0\charscalex103 which brought more losses within the s
cope of the definitions of storm but did not lead to broad \line \up0 \expndtw-3
\charscalex100 provision of flood cover. \par\pard\li1418\sb0\sl-207\slmult0\par

\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li14
18\sb94\sl-207\slmult0\fi0\tx1985 \up0 \expndtw0\charscalex100 \ul0\nosupersub\c
f27\f28\fs18 6\tab \up0 \expndtw0\charscalex100 Howard, The Hon John \u8216?Natu
ral Disaster Insurance: A Policy Information Paper issued by the Treasurer May 1
979\par\pard\li1418\sb55\sl-207\slmult0\fi566 \up0 \expndtw0\charscalex100 p iii
.
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g27}{\bkmkend Pg27}\par\pard\ql \li8675\sb0\sl-207\slmult0 \par\pard\ql\li8675\s
b0\sl-207\slmult0 \par\pard\ql\li8675\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 1: Introduction \par\pard\qj \li1418
\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1228\sb230\sl-260\slmult0 \up0 \expndt
w0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 1.20.\ul0\nosupersub\cf11\f12\fs22
\ul0\nosupersub\cf4\f5\fs22 After the Wollongong floods in 1998, where communit
y, government and media pressure led \up0 \expndtw-1\charscalex100 some insurers
to make ex gratia payments, several insurers moved to extend their policies to
include \up0 \expndtw0\charscalex100 \u8216?flash flooding\u8217? while others p
rovided partial flood cover with sub limits. Westpac introduced flood \up0 \expn
dtw-3\charscalex100 cover at this time.\ul0\super\cf26\f27\fs20 7 \par\pard\qj \
li1418\ri1206\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\
cf4\f5\fs22 1.21.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Chan
ges to the \ul0\nosupersub\cf19\f20\fs22 Corporations Act 2001\ul0\nosupersub\cf
4\f5\fs22 introduced greater obligations on insurers in respect of \up0 \expndt
w0\charscalex105 disclosure, including Product Disclosure Statements. While thes
e statements provide details of \up0 \expndtw-2\charscalex100 exclusions such as
flood, they have had little impact on consumer confusion about what is covered
by \up0 \expndtw-2\charscalex100 a policy and did not lead to flood cover being
made more widely available. \par\pard\qj \li1418\ri1226\sb240\sl-260\slmult0\tx1
985\tx2858 \up0 \expndtw-3\charscalex100 1.22. \tab \up0 \expndtw-3\charscalex10
0 1.22. \tab \up0 \expndtw-1\charscalex100 Other attempts by the insurance indus
try to find a solution to flood insurance issues \up0 \expndtw0\charscalex102 fo
llowed. Initiatives using different models were tried in 1989-90, 1998 to 2000 a
nd in 2004. Each \up0 \expndtw-1\charscalex100 industry attempt to resolve the p
roblem collectively was unsuccessful because of one or more of the \up0 \expndtw
0\charscalex100 factors of competition, lack of adequate flood maps, lack of gov
ernment support, affordability and \up0 \expndtw-3\charscalex100 trade practices
concerns.\ul0\super\cf26\f27\fs20 8 \par\pard\qj \li1418\ri1223\sb240\sl-260\sl
mult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 1.23.\ul0\nosuper
sub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The controversy resulting from th
e Newcastle and Hunter Valley floods in 2007 reportedly led \up0 \expndtw0\chars
calex102 the insurance industry to propose a common definition of flood.\ul0\sup
er\cf26\f27\fs20 9\ul0\nosupersub\cf4\f5\fs22 The Insurance Council drafted a \
up0 \expndtw0\charscalex104 flood definition and sought an exemption from
the Australian Competition and Consumer \up0 \expndtw0\charscalex100 Commis
sion (ACCC) for what may otherwise have been anti-competitive behaviour among in
surers. \up0 \expndtw-2\charscalex100 However, after complaints from consumer gr
oups that the proposed definition was broader than the \up0 \expndtw0\charscalex
100 definition commonly used by insurers (and therefore likely to lead to more e
xcluded flood losses), \up0 \expndtw-1\charscalex100 the ACCC ultimately reject
ed the proposed wording and the Insurance Council declined an invitation \up0 \e

xpndtw-2\charscalex100 to put forward a modified flood definition. \par\pard\qj

\li1418\ri1234\sb240\sl-260\slmult0 \up0 \expndtw-1\charscalex100 1.24.\ul0\nosu
persub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Since 2006, offerings by indiv
idual insurers have made flood cover more widely available.\ul0\super\cf26\f27\f
s20 10\ul0\nosupersub\cf4\f5\fs22 For \line \up0 \expndtw0\charscalex106 exampl
e, Suncorp introduced flood cover (on a no opt-out basis) on 1 July 2008 for hom
e and \line \up0 \expndtw0\charscalex100 contents policies issued by all its bra
nds except AAMI, Zurich introduced flood cover as standard in \line \up0 \expndt
w-1\charscalex100 September 2008 and IAG offered flood cover under its NRMA bran
d (allowing customers to opt-out) \line \up0 \expndtw0\charscalex102 from June 2
009 in NSW, Tasmania and the ACT.\ul0\super\cf26\f27\fs20 11\ul0\nosupersub\cf4\
f5\fs22 The Insurance Council also created the National \line \up0 \expndtw-1\c
harscalex100 Flood Information Database in 2007 and the information it contains
has assisted insurers to provide \line \up0 \expndtw-3\charscalex100 flood cove
r. \par\pard\qj \li1418\ri1208\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex100
1.25.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 As the industry
itself notes, however, the challenge is to ensure that the estimated 7 per cent
\up0 \expndtw-1\charscalex100 of properties exposed to flood risk are covered b
y policies which include flood cover.\ul0\super\cf26\f27\fs20 12\ul0\nosupersub\
cf4\f5\fs22 Clearly, there \up0 \expndtw-1\charscalex100 is no benefit in havin
g the 93 per cent of Australian properties at no or minimal risk of flood covere
d \up0 \expndtw-2\charscalex100 for flood and the 7 per cent of properties with
flood risk mostly without flood cover. \par\pard\li1418\sb0\sl-207\slmult0\par\p
ard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418
\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-20
7\slmult0\par\pard\li1418\sb193\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf27\f28\fs18 7\tab \up0 \expndtw-2\charscalex100 Mason,
AJ, \u8216?The History of Flood Insurance in Australia\u8217? p 9 found on\par\
pard\li1418\sb52\sl-207\slmult0\fi566 \up0 \expndtw-2\charscalex100 {\field{\*\f
ldinst {HYPERLINK "http://www.ndir.gov.au/content/Content.aspx?doc=home.htm%20"
}}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://www.ndir.gov.au/content/Conten
t.aspx?doc=home.htm}}}\par\pard\li1418\sb55\sl-207\slmult0\fi0\tx1985 \up0 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 8\tab \up0 \expndtw-2\charscal
ex100 Ibid p 8.\par\pard\li1418\sb53\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\c
harscalex100 9\tab \up0 \expndtw-1\charscalex100 AAP \u8216?Easy definition of \
u8216?flood\u8217? is yet to surface\u8217? in the Australian Financial Review,
26 January 2011\par\pard\li1418\sb52\sl-207\slmult0\fi566 \up0 \expndtw-1\charsc
alex100 {\field{\*\fldinst {HYPERLINK "http://afr.com/p/national/easy_definition
_of_flood_is_yet_H07VEJWagzfoGrE8WNc5dL" }}{\fldrslt {\ul0\nosupersub\cf27\f28\f
s18 http://afr.com/p/national/easy_definition_of_flood_is_yet_H07VEJWagzfoGrE8WN
c5dL}}}\par\pard\li1418\sb55\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscale
x100 \ul0\nosupersub\cf27\f28\fs18 10\tab \up0 \expndtw-1\charscalex100 In 2006,
3 per cent of polices purchased in Australia covered flood. In 2010, 54 per cen
t of policies purchased in\par\pard\li1418\sb52\sl-207\slmult0\fi566 \up0 \expnd
tw-1\charscalex100 Australia covered flood. The industry advises that by 2013, i
t is estimated that a further 30 percent of the market\par\pard\li1418\sb52\sl-2
07\slmult0\fi566 \up0 \expndtw-1\charscalex100 will potentially offer flood cove
r. Insurance Council of Australia submission p 8\par\pard\li1418\sb55\sl-207\slm
ult0\fi566 \up0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http://w
ww.ndir.gov.au/content/submissions/issues_paper_submissions/Insurance_Council_of
_Australia.pdf" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://www.ndir.gov.a
u/content/submissions/issues_paper_submissions/Insurance_Council_of_Australia.pd
f}}}\ul0\nosupersub\cf27\f28\fs18 .\par\pard\li1418\sb52\sl-207\slmult0\fi0\tx1
985 \up0 \expndtw-2\charscalex100 11\tab \up0 \expndtw-2\charscalex100 Mason op
cit pp 9-10.\par\pard\li1418\sb52\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\char
scalex100 12\tab \up0 \expndtw-2\charscalex100 Insurance Council of Australia su
bmission p 8\par\pard\ql \li1985\sb42\sl-207\slmult0 \up0 \expndtw-2\charscalex1
00 {\field{\*\fldinst {HYPERLINK "http://www.ndir.gov.au/content/Content.aspx?do
c=submissions.htm" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://www.ndir.go
v.au/content/Content.aspx?doc=submissions.htm}}}

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28a00fffd9}}}}}
\pard\sb0\sl-240{\bkmkstart Pg28}{\bkmkend Pg28}\par\pard\ql \li8675\sb0\sl-207\
slmult0 \par\pard\ql\li8675\sb0\sl-207\slmult0 \par\pard\ql\li8675\sb14\sl-207\s
lmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 1: Intr
oduction \par\pard\ql \li1418\sb0\sl-264\slmult0 \par\pard\ql\li1418\sb0\sl-264\
slmult0 \par\pard\ql\li1418\sb38\sl-264\slmult0 \up0 \expndtw-3\charscalex100 \u
l0\nosupersub\cf9\f10\fs28 T\ul0\nosupersub\cf10\f11\fs22 HE \ul0\nosupersub\cf9
\f10\fs28 F\ul0\nosupersub\cf10\f11\fs22 LOOD \ul0\nosupersub\cf9\f10\fs28 I\ul0
\nosupersub\cf10\f11\fs22 NSURANCE \ul0\nosupersub\cf9\f10\fs28 P\ul0\nosupersub
\cf10\f11\fs22 ROBLEM \par\pard\qj \li1418\ri1223\sb240\sl-260\slmult0 \up0 \exp
ndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 1.26.\ul0\nosupersub\cf11\f12\fs
22 \ul0\nosupersub\cf4\f5\fs22 The limited extent of flood cover in home, conte
nts and home unit insurance policies became \up0 \expndtw0\charscalex102 apparen
t following the series of natural disasters in Australia over the summer of 2010
-11, as has \up0 \expndtw-3\charscalex100 also been the case after previous floo
ds. \par\pard\qj \li1418\ri1221\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex10
2 1.27.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Most natural d
isasters are covered by these insurance policies. The most common events of \up0
\expndtw0\charscalex102 storm, cyclone and bushfire are included. Earthquake is
also included. Some less common events \up0 \expndtw0\charscalex103 such as lan
dslide, tsunami and storm surge are sometimes included when they are connected t
o \up0 \expndtw0\charscalex103 another insured event such as earthquake in the c
ase of tsunami, storm or cyclone in the case of \up0 \expndtw-3\charscalex100 st
orm surge, and heavy rainfall in the case of landslide. \par\pard\qj \li1418\ri1
227\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex100 1.28.\ul0\nosupersub\cf11\
f12\fs22 \ul0\nosupersub\cf4\f5\fs22 All natural disasters present a challenge
for insurers. Since each event typically affects a large \up0 \expndtw0\charscal
ex100 number of policyholders at once, a single natural disaster can have a very
large impact on insurers \up0 \expndtw-1\charscalex100 exposed to the risk. Thi
s challenge, however, does not prevent insurers from offering cover for most \up
0 \expndtw0\charscalex100 natural disasters in all home insurance policies. And,
in large part, insurers are able to cover these \up0 \expndtw-3\charscalex100 n
atural disasters at affordable premiums. \par\pard\qj \li1418\ri1234\sb240\sl-26
0\slmult0 \up0 \expndtw-1\charscalex100 1.29.\ul0\nosupersub\cf11\f12\fs22 \ul0
\nosupersub\cf4\f5\fs22 Flood, however, presents a unique challenge to insurers.
Flood typically affects homes located \line \up0 \expndtw-1\charscalex100 close
to a river or on a flood plain. As a result, the same homes are affected each t
ime a river floods. \line \up0 \expndtw0\charscalex104 Figure 1 demonstrates tha
t, while the vast majority of homes are exposed to minimal flood risk, \line \up
0 \expndtw0\charscalex100 there is a small proportion of homes exposed to a high
level of flood risk (shown at the far right in \line \up0 \expndtw-3\charscalex
100 Figure 1.) \par\pard\ql \li3593\sb246\sl-253\slmult0 \up0 \expndtw-3\charsca
lex100 \ul0\nosupersub\cf16\f17\fs22 Figure 1: What is the flood insurance probl
em? \par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\sb0\sl-260\slmul
t0 \par\pard\qj\li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\sb0\sl-260\slmult0
\par\pard\qj\li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\sb0\sl-260\slmult0 \
par\pard\qj\li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\sb0\sl-260\slmult0 \pa
r\pard\qj\li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\sb0\sl-260\slmult0 \par\
pard\qj\li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\sb0\sl-260\slmult0 \par\pa
rd\qj\li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\sb0\sl-260\slmult0 \par\pard
\qj\li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\sb0\sl-260\slmult0 \par\pard\q
j\li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1224\sb42\sl-260\slmult0 \up0
\expndtw0\charscalex105 \ul0\nosupersub\cf4\f5\fs22 1.30.\ul0\nosupersub\cf11\f1

2\fs22 \ul0\nosupersub\cf4\f5\fs22 As a result of the very high premiums associ

ated with high flood risk, insurers have often \up0 \expndtw-3\charscalex100 sim
ply chosen to exclude flood cover from insurance policies. \par\pard\qj \li1418\
ri1222\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex100 1.31.\ul0\nosupersub\cf
11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The absence of flood cover leads to a p
aradox for consumers: home, contents and home unit \up0 \expndtw0\charscalex104
insurance policies include protection for storm, cyclone, bushfire and
earthquake and the \up0 \expndtw0\charscalex106 policyholder cannot usually op
t-out; but flood cover is often excluded for flood and, if flood is \up0 \expndt
w-3\charscalex100 covered, the policyholder can usually opt-out. \par\pard\qj \l
i1418\ri1237\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex100 1.32.\ul0\nosuper
sub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Just as the same homes being affe
cted each time a river floods limits the appetite of insurers \line \up0 \expndt
w0\charscalex105 to offer flood cover, leading to an availability problem, so wi
ll these homes face high insurance \line \up0 \expndtw-1\charscalex100 premiums,
leading to an affordability problem. Some homeowners for whom flood cover is av
ailable \par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmks
tart Pg29}{\bkmkend Pg29}\par\pard\ql \li8675\sb0\sl-207\slmult0 \par\pard\ql\li
8675\sb0\sl-207\slmult0 \par\pard\ql\li8675\sb14\sl-207\slmult0 \up0 \expndtw-2\
charscalex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 1: Introduction \par\pard\qj \
li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1230\sb230\sl-260\slmult0 \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 may choose not to purchase i
t. The experience of NRMA insurance in NSW, which offers flood cover \up0 \expnd
tw0\charscalex103 on an opt out basis, shows that many policyholders exposed to
high flood risk opt not to take-up \up0 \expndtw-3\charscalex100 flood cover.\ul
0\super\cf26\f27\fs20 13 \par\pard\qj \li1418\ri1205\sb240\sl-260\slmult0 \up0 \
expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 1.33.\ul0\nosupersub\cf11\f12
\fs22 \ul0\nosupersub\cf4\f5\fs22 The implications of limited flood cover for c
onsumers, insurers and the community played out \line \up0 \expndtw-2\charscalex
100 in Brisbane, Ipswich and parts of Victoria over the summer of 2010-11. The i
nsurance policies held by \line \up0 \expndtw0\charscalex100 people affected by
the storms or by Cyclone Yasi responded to those events, enabling policyholders
\line \up0 \expndtw0\charscalex103 to repair or rebuild with minimal delay and d
isputes. But some people who were flooded did not \line \up0 \expndtw-2\charscal
ex100 have flood cover as part of their insurance. This led to financial stress,
delays and disputes. \par\pard\qj \li1418\ri1231\sb240\sl-260\slmult0 \up0 \exp
ndtw0\charscalex100 1.34.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\f
s22 Without flood cover, affected homeowners were left without the financial res
ources to repair \line \up0 \expndtw0\charscalex104 or rebuild their homes. Some
policies that included flood cover were subject to \u8216?sub-limits\u8217? tha
t \line \up0 \expndtw-1\charscalex100 restricted the claim payments to specified
amounts that were significantly less than the value of the \line \up0 \expndtw0
\charscalex100 homes. Some policyholders who suffered total losses found that th
e sums insured specified in their \line \up0 \expndtw-1\charscalex100 insurance
policies were insufficient to restore their homes or their contents, again leavi
ng them with \line \up0 \expndtw-2\charscalex100 a financial burden. \par\pard\q
j \li1418\ri1224\sb240\sl-260\slmult0 \up0 \expndtw-1\charscalex100 1.35.\ul0\no
supersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 While flood is not always co
vered in home insurance policies, storm damage is always covered. \line \up0 \ex
pndtw0\charscalex100 Where insurers were unsure as to the cause of the damage, i
nsurers invariably needed to conduct \line \up0 \expndtw0\charscalex100 hydrolog
ical assessments in order to determine whether the damage was caused by flood or
storm \line \up0 \expndtw0\charscalex100 before they could determine the claim.
These assessments led to lengthy delays in many cases. The \line \up0 \expndtw0
\charscalex102 average number of days taken to accept liability was 28 days with
respect to the Brisbane floods, \line \up0 \expndtw0\charscalex102 compared wit
h 7 days following Cyclone Yasi.\ul0\super\cf26\f27\fs20 14\ul0\nosupersub\cf4\f
5\fs22 The average also masks some very wide variations \line \up0 \expndtw0\ch
arscalex102 with some policyholders waiting 6 months or more to have their claim
s determined. These delays \line \up0 \expndtw0\charscalex103 have left those wi

th damaged homes in limbo and unable to undertake repairs or return to their \li
ne \up0 \expndtw0\charscalex105 homes. Delayed insurance claims also delayed pay
ments from the Queensland Premier\u8217?s Fund. \line \up0 \expndtw-2\charscalex
100 Accompanying the delays, there were many complaints about a lack of communic
ation from insurers \line \up0 \expndtw0\charscalex103 while policyholders await
ed answers. Some policyholders were also unsure about whether their \line \up0 \
expndtw-3\charscalex100 insurance provided cover for flood.\ul0\super\cf26\f27\f
s20 15 \par\pard\qj \li1418\ri1234\sb240\sl-260\slmult0 \up0 \expndtw0\charscale
x105 \ul0\nosupersub\cf4\f5\fs22 1.36.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupe
rsub\cf4\f5\fs22 The \u8216?flood versus storm\u8217? problem (see Appendix A fo
r further explanation of flood versus \line \up0 \expndtw0\charscalex103 storm)
also led to more disputes following the floods than have followed other natural
disasters. \line \up0 \expndtw0\charscalex102 Table 1 (below) shows that the num
ber of disputes as a proportion of insurance claims was much \line \up0 \expndtw
-2\charscalex100 higher in the Queensland and Victorian floods than in Cyclone Y
asi, the hail storms in Melbourne and \line \up0 \expndtw0\charscalex103 Perth a
nd the storms in Melbourne. Disputes lodged with the Financial Ombudsman Service
as a \line \up0 \expndtw-1\charscalex100 proportion of claims from the Queensla
nd and Victorian floods were nearly twenty times larger than \line \up0 \expndtw
0\charscalex100 disputes from the other events. Also many more policyholders sou
ght legal advice: of the disputes \line \up0 \expndtw0\charscalex105 taken to th
e Financial Ombudsman Service, 37 per cent of those with disputes arising from t
he \line \up0 \expndtw0\charscalex104 Queensland floods had legal representation
compared with 5 per cent of disputes from Cyclone \line \up0 \expndtw-3\charsca
lex100 Yasi.\ul0\super\cf26\f27\fs20 16 \par\pard\li1418\sb0\sl-207\slmult0\par\
pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li141
8\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-2
07\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0
\par\pard\li1418\sb19\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 \u
l0\nosupersub\cf27\f28\fs18 13\tab \up0 \expndtw-2\charscalex100 IAG submission,
p 3\par\pard\li1418\sb55\sl-207\slmult0\fi566 \up0 \expndtw-2\charscalex100 {\f
ield{\*\fldinst {HYPERLINK "http://www.ndir.gov.au/content/Content.aspx?doc=subm
issions.htm" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://www.ndir.gov.au/c
ontent/Content.aspx?doc=submissions.htm}}}\par\pard\li1418\sb52\sl-207\slmult0\f
i0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 14\tab \up
0 \expndtw-1\charscalex100 Unpublished data provided to the Review Panel by the
Insurance Council of Australia.\par\pard\li1418\sb52\sl-207\slmult0\fi0\tx1985 \
up0 \expndtw-2\charscalex100 15\tab \up0 \expndtw-1\charscalex100 The Legal Aid
Queensland submission highlights the experience of clients across a wide variety
of issues.\par\pard\ql \li1985\sb35\sl-216\slmult0 \up0 \expndtw-1\charscalex10
0 {\field{\*\fldinst {HYPERLINK "http://www.ndir.gov.au/content/submissions/issu
es_paper_submissions/Legal_Aid_Queensland.pdf" }}{\fldrslt {\ul0\nosupersub\cf27
\f28\fs18 http://www.ndir.gov.au/content/submissions/issues_paper_submissions/Le
gal_Aid_Queensland.pdf}}} \par\pard\ql \li1418\sb52\sl-207\slmult0\tx1985 \up0 \
expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 16 \tab \up0 \expndtw-1\ch
arscalex100 Financial Ombudsman Submission to the House of Representatives inqui
ry into the operation of the insurance \par\pard\ql \li1985\sb53\sl-207\slmult0
\up0 \expndtw-2\charscalex100 industry during disaster events, 2011, p21 \par\pa
rd\ql \li1985\sb53\sl-207\slmult0 \up0 \expndtw-2\charscalex100 {\field{\*\fldin
st {HYPERLINK "http://www.aph.gov.au/house/committee/spla/insurance/submissions.
htm" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://www.aph.gov.au/house/comm
ittee/spla/insurance/submissions.htm}}}
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g30}{\bkmkend Pg30}\par\pard\ql \li8675\sb0\sl-207\slmult0 \par\pard\ql\li8675\s
b0\sl-207\slmult0 \par\pard\ql\li8675\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 1: Introduction \par\pard\ql \li1418
\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\s
b9\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Ta
ble1: Disputes lodged with Financial Ombudsman Service\ul0\nosupersub\cf30\f31\f
s10 17 \par\pard\li1418\sb139\sl-184\slmult0\fi736\tx4373\tx6407\tx8800 \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf31\f32\fs16 Disaster Event\tab \up0 \exp
ndtw-1\charscalex100 Number of Insurance\tab \up0 \expndtw-1\charscalex100 Numbe
r of disputes lodged\tab \up0 \expndtw-1\charscalex100 Lodgements per 1000\par\p
ard\li1418\sb78\sl-184\slmult0\fi2923\tx6882\tx9374 \up0 \expndtw-1\charscalex10
0 claims as at 24/6/2011\tab \up0 \expndtw-1\charscalex100 as at 30/6/2011\tab \
up0 \expndtw-1\charscalex100 claims\par\pard\li1418\sb166\sl-184\slmult0\fi0\tx3
845\tx4973\tx7355\tx9510 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf32\f33\
fs16 SW/SE Queensland flooding\tab \up0 \expndtw-1\charscalex100 \u8212?\tab
\up0 \expndtw-1\charscalex100 7,056\tab \up0 \expndtw-1\charscalex100 21\tab \u
p0 \expndtw-1\charscalex100 3.0\par\pard\li1418\sb75\sl-184\slmult0\fi0 \up0 \ex
pndtw-1\charscalex100 Roma and Charleville\par\pard\li1418\sb164\sl-184\slmult0\
fi0\tx4885\tx7355\tx9510 \up0 \expndtw-1\charscalex100 Victorian Hail Storm \u82
12? Melbourne\tab \up0 \expndtw-1\charscalex100 135,000\tab \up0 \expndtw-1\char
scalex100 93\tab \up0 \expndtw-1\charscalex100 0.7\par\pard\li1418\sb167\sl-184\
slmult0\fi0\tx4885\tx7355\tx9510 \up0 \expndtw-1\charscalex100 WA Hail Storm \u8
212? Perth\tab \up0 \expndtw-1\charscalex100 165,000\tab \up0 \expndtw-1\charsca
lex100 43\tab \up0 \expndtw-1\charscalex100 0.3\par\pard\li1418\sb168\sl-184\slm
ult0\fi0\tx4930\tx7309\tx9510 \up0 \expndtw-1\charscalex100 Queensland Flooding
\u8212? Brisbane,\tab \up0 \expndtw-1\charscalex100 56,200\tab \up0 \expndtw-1\c
harscalex100 479\tab \up0 \expndtw-1\charscalex100 8.5\par\pard\li1418\sb76\sl-1
84\slmult0\fi0 \up0 \expndtw-1\charscalex100 rural
Queensland,
Toowoomba,\
par\pard\li1418\sb75\sl-184\slmult0\fi0 \up0 \expndtw-1\charscalex100 Lockyer Va
lley\par\pard\li1418\sb164\sl-184\slmult0\fi0\tx4973\tx7309\tx9467 \up0 \expndtw
-1\charscalex100 Victorian flooding \u8212? rural Victoria\tab \up0 \expndtw-1\c
harscalex100 7,500\tab \up0 \expndtw-1\charscalex100 111\tab \up0 \expndtw-1\cha
rscalex100 14.8\par\pard\li1418\sb169\sl-184\slmult0\fi0\tx4930\tx7355\tx9510 \u
p0 \expndtw-1\charscalex100 Cyclone Yasi \u8212? Cassowary Coast,\tab \up0 \expn
dtw-1\charscalex100 68,300\tab \up0 \expndtw-1\charscalex100 49\tab \up0 \expndt
w-1\charscalex100 0.7\par\pard\ql \li1418\sb59\sl-184\slmult0 \up0 \expndtw-2\ch
arscalex100 North Queensland \par\pard\li1418\sb183\sl-184\slmult0\fi0\tx4930\tx
7355\tx9510 \up0 \expndtw0\charscalex100 Victorian Storms \u8212? Melbourne and\
tab \up0 \expndtw0\charscalex100 48,000\tab \up0 \expndtw0\charscalex100 56\tab
\up0 \expndtw0\charscalex100 1.2\par\pard\ql \li1418\sb69\sl-184\slmult0 \up0 \e
xpndtw-2\charscalex100 suburbs \par\pard\li1418\sb172\sl-184\slmult0\fi0\tx2762\
tx5041\tx7398\tx9578 \up0 \expndtw0\charscalex101 WA
bushfires\tab \up0 \expn
dtw0\charscalex101 \u8212?
Perth
and\tab \up0 \expndtw0\charscalex101 410\
tab \up0 \expndtw0\charscalex101 0\tab \up0 \expndtw0\charscalex101 0\par\pard\q
l \li1418\sb60\sl-184\slmult0 \up0 \expndtw-2\charscalex100 surrounds \par\pard\
ql \li1418\sb76\sl-184\slmult0 \up0 \expndtw-2\charscalex100 Source: See footnot
e. \par\pard\qj \li1418\ri1213\sb254\sl-260\slmult0 \up0 \expndtw0\charscalex105
\ul0\nosupersub\cf4\f5\fs22 1.37.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub
\cf4\f5\fs22 The number of lodgements per 1,000 claims, as recorded in the right
-hand column of this \up0 \expndtw0\charscalex100 table, shows the clear differe
nce between the frequency of disputes in floods (8.5 and 14.8 for the \up0 \expn
dtw-2\charscalex100 Queensland and Victorian floods, with much lower frequencies
for the storms). \par\pard\qj \li1418\ri1210\sb240\sl-260\slmult0 \up0 \expndtw
0\charscalex104 1.38.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22
The delays and disputes also had an impact on insurers, who suffered considerabl
e public \line \up0 \expndtw0\charscalex100 backlash and some loss of the commun

ity\u8217?s confidence. At a time when insurers\u8217? claims staffs were \line

\up0 \expndtw-2\charscalex100 being asked to deal with large numbers of claims,
there were incidents of staff being abused. Insurers \line \up0 \expndtw-2\chars
calex100 have also borne the costs involved in determining the cause of the dama
ge and in resolving the many \line \up0 \expndtw-3\charscalex100 disputes. \par\
pard\qj \li1418\ri1228\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex104 1.39.\u
l0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The financial stress, d
elays and disputes felt by individuals also inhibited the community\u8217?s \up0
\expndtw0\charscalex100 recovery. The greater the take-up of full home insuranc
e cover for natural disasters, the greater the \up0 \expndtw0\charscalex100 resi
lience and recovery of the community when a natural disaster occurs and the lowe
r the reliance \up0 \expndtw-3\charscalex100 on community support. \par\pard\qj
\li1418\ri1227\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex106 1.40.\ul0\nosup
ersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 When an individual suffers fina
ncial loss from a natural disaster, the impact is felt by the \up0 \expndtw0\cha
rscalex102 broader community; for example, such individuals might be forced to l
eave the community either \up0 \expndtw0\charscalex100 temporarily or permanentl
y, affecting social infrastructure such as local businesses and community \up0 \
expndtw0\charscalex105 groups. As flooding occurs in concentrated areas, many me
mbers of the community can suffer \up0 \expndtw0\charscalex106 simultaneously. A
ny lack of flood insurance increases the burden on the community as it goes \up0
\expndtw-3\charscalex100 through the recovery phase. \par\pard\qj \li1418\ri123
7\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex110 1.41.\ul0\nosupersub\cf11\f1
2\fs22 \ul0\nosupersub\cf4\f5\fs22 The community also bears some of the financi
al impact through charitable funds and \line \up0 \expndtw0\charscalex105 govern
ment relief payments. In Queensland in 2011, the Premier\u8217?s Fund raised $27
3 million to \par\pard\ql \li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-20
7\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\
slmult0 \par\pard\ql\li1418\sb162\sl-207\slmult0\tx1985 \up0 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf27\f28\fs18 17 \tab \up0 \expndtw-1\charscalex100 Financ
ial Ombudsman Service Submission to the House of Representatives Standing Commit
tee on Social Policy and \par\pard\qj \li1985\ri2361\sb10\sl-260\slmult0 \up0 \e
xpndtw-1\charscalex100 Legal Affairs Inquiry into operation of insurance industr
y during disaster events, 29 August 2011, p 19 \line \up0 \expndtw-2\charscalex1
00 {\field{\*\fldinst {HYPERLINK "http://www.aph.gov.au/house/committee/spla/ins
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g31}{\bkmkend Pg31}\par\pard\ql \li8675\sb0\sl-207\slmult0 \par\pard\ql\li8675\s
b0\sl-207\slmult0 \par\pard\ql\li8675\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 1: Introduction \par\pard\qj \li1418
\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1207\sb230\sl-260\slmult0 \up0 \expndt
w0\charscalex105 \ul0\nosupersub\cf4\f5\fs22 distribute to those affected by
the floods and Cyclone Yasi.\ul0\super\cf26\f27\fs20 18\ul0\nosupersub\cf4
\f5\fs22 Spending by the State and \line \up0 \expndtw-2\charscalex100 Com
monwealth governments on individuals and businesses has totalled approximately $
1.1 billion.\ul0\super\cf26\f27\fs20 19 \par\pard\qj \li1418\ri1204\sb240\sl-260
\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 1.42.\ul0\nosu
persub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Limited flood cover caused dis
tress, delays and disputes for the individuals who were flooded. \line \up0 \exp
ndtw-2\charscalex100 It also affected adversely the community\u8217?s resilience
and its ability to recover from the floods. That is \line \up0 \expndtw-2\chars
calex100 why the key issue before the Review Panel is how to meet the community
need for flood cover. \par\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li141
8\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb40\sl-253\slmult0 \up0 \expndtw-3\cha
rscalex100 \ul0\nosupersub\cf9\f10\fs28 A\ul0\nosupersub\cf10\f11\fs22 N INTEGRA
TED SOLUTION \par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1215\
sb2\sl-260\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 1.43
.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Addressing the avail
ability of flood insurance on its own will not solve the coverage problem. \up0
\expndtw-2\charscalex100 There are a number of constraints that must be addresse
d to deliver improved flood cover. \par\pard\qj \li1418\ri1233\sb240\sl-260\slmu
lt0 \up0 \expndtw-1\charscalex100 1.44.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosup
ersub\cf4\f5\fs22 Firstly, for homes at high risk of flood, the premium required
by the insurer to offer them flood \line \up0 \expndtw0\charscalex105 cover wil
l be high. That could lead to an affordability problem for these policyholders w
ho may \line \up0 \expndtw0\charscalex103 respond by ceasing to use insuran
ce altogether. Addressing availability without addressing \line \up0 \expnd
tw-2\charscalex100 affordability will therefore not deliver more flood cover. Bo
th availability and affordability need to be \line \up0 \expndtw-3\charscalex100
dealt with together. \par\pard\qj \li1418\ri1219\sb240\sl-260\slmult0 \up0 \exp
ndtw0\charscalex100 1.45.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\f
s22 Secondly, to maintain a competitive insurance market, insurers need control
over their flood \up0 \expndtw-1\charscalex100 risk exposures and accumulations,
adequate information for pricing and underwriting and the ability \up0 \expndtw
0\charscalex104 to charge commercial premiums for the flood risks that they unde
rwrite. A commercially sound \up0 \expndtw-3\charscalex100 insurance market is e
ssential for delivering flood insurance. \par\pard\qj \li1418\ri1230\sb240\sl-26
0\slmult0 \up0 \expndtw0\charscalex100 1.46.\ul0\nosupersub\cf11\f12\fs22 \ul0\
nosupersub\cf4\f5\fs22 Thirdly, any measures to improve flood insurance coverage
should encourage improved flood \line \up0 \expndtw0\charscalex100 risk managem
ent (measurement and mitigation), either on their own or in conjunction with oth
er \line \up0 \expndtw0\charscalex105 measures. If under-priced flood insura
nce is available, it can encourage further property \line \up0 \expndtw0\
charscalex100 development in areas exposed to flood risk. Clearly, therefore, an
y attempt to improve affordability \line \up0 \expndtw-1\charscalex100 by offeri
ng insurance at discounted prices needs to be done in such a way that adverse in
centives of \line \up0 \expndtw-3\charscalex100 this kind do not arise. \par\par
d\qj \li1418\ri1205\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex103 1.47.\ul0\
nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 In order to meet these thr
ee constraints the Review Panel has identified five requirements \up0 \expndtw-2
\charscalex100 that are integral to a solution. Subsequent chapters of this Repo
rt discuss each of these requirements \up0 \expndtw0\charscalex100 in turn and m
ake associated recommendations before explaining the architecture that the Revie
w \up0 \expndtw-2\charscalex100 Panel is recommending to bring them all together
as an integrated solution. \par\pard\li1985\sb248\sl-253\slmult0\fi0\tx2551 \up

0 \expndtw-2\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expnd

tw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 Chapter 2 considers the \ul0\nosu
persub\cf22\f23\fs22 availability of flood cover\ul0\nosupersub\cf4\f5\fs22 for
homes (buildings only).\par\pard\li1985\sb247\sl-253\slmult0\fi0\tx2551 \up0 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf4\f5\fs22 Chapter 3 addresses the \ul0\nosupers
ub\cf22\f23\fs22 affordability of flood cover\ul0\nosupersub\cf4\f5\fs22 for ho
mes.\par\pard\li1985\sb246\sl-253\slmult0\fi0\tx2551 \up0 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf4\f5\fs22 Chapters 4 and 5 consider both the availability and the a
ffordability of flood cover for\par\pard\ql \li2551\sb6\sl-253\slmult0 \up0 \exp
ndtw-3\charscalex100 home units and home contents. \par\pard\ql \li1985\sb247\sl
-253\slmult0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22
\u8226? \tab \up0 \expndtw0\charscalex108 \ul0\nosupersub\cf4\f5\fs22 Chapter 7
explains how a \ul0\nosupersub\cf22\f23\fs22 system of flood premium discounts\u
l0\nosupersub\cf4\f5\fs22 might operate in \par\pard\qj \li2551\ri1230\sb2\sl-2
60\slmult0 \up0 \expndtw0\charscalex100 conjunction with a \ul0\nosupersub\cf22\
f23\fs22 government-sponsored reinsurance facility\ul0\nosupersub\cf4\f5\fs22 ,
or reinsurance pool, to \line \up0 \expndtw0\charscalex100 deliver discounted fl
ood premiums through insurers in a manner that would be simple \line \up0 \expnd
tw-1\charscalex100 for policyholders and would not compromise the commercial pos
itions of insurers while \line \up0 \expndtw-2\charscalex100 also providing them
with new flood insurance capacity. Chapter 7 also discusses \ul0\nosupersub\cf2
2\f23\fs22 funding \line \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs
22 of the discounts. \par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl207\slmult0\par\pard\li1418\sb43\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf27\f28\fs18 18\tab \up0 \expndtw-1\charscalex100 Quee
nsland Reconstruction Authority August Report, 2011, p36 {\field{\*\fldinst {HYP
ERLINK "http://www.qldreconstruction.org.au/u/lib/CEO-Report---August-2011-Repor
t---Public.pdf" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://www.qldreconst
ruction.org.au/u/lib/CEO-}}}\par\pard\li1418\sb52\sl-207\slmult0\fi566 \up0 \exp
ndtw-2\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.qldreconstruction
.org.au/u/lib/CEO-Report---August-2011-Report---Public.pdf" }}{\fldrslt {\ul0\no
supersub\cf27\f28\fs18 Report---August-2011-Report---Public.pdf}}}\par\pard\ql \
li1418\sb41\sl-207\slmult0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\
cf27\f28\fs18 19 \tab \up0 \expndtw-2\charscalex100 Queensland Reconstruction Au
thority, August Report pp34-35 \par\pard\ql \li1985\sb53\sl-207\slmult0 \up0 \ex
pndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.qldreconstructio
n.org.au/reports/august-2011-monthly-report" }}{\fldrslt {\ul0\nosupersub\cf27\f
28\fs18 http://www.qldreconstruction.org.au/reports/august-2011-monthly-report.}
}}
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g32}{\bkmkend Pg32}\par\pard\ql \li8675\sb0\sl-207\slmult0 \par\pard\ql\li8675\s
b0\sl-207\slmult0 \par\pard\ql\li8675\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 1: Introduction \par\pard\ql \li1985
\sb0\sl-253\slmult0 \par\pard\ql\li1985\sb242\sl-253\slmult0\tx2551 \up0 \expndt
w-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226? \tab \up0 \expndtw0\char
scalex100 \ul0\nosupersub\cf4\f5\fs22 The nature of flood risk measurement and h
ow it might be improved in the future is \par\pard\qj \li2551\ri1226\sb2\sl-260\

slmult0 \up0 \expndtw-3\charscalex100 explained in Chapter 8, which discusses th

e need for national co-ordination of flood risk \up0 \expndtw0\charscalex100 \ul
0\nosupersub\cf22\f23\fs22 measurement and mitigation\ul0\nosupersub\cf4\f5\fs22
that will, among other things, underpin the availability \up0 \expndtw-3\chars
calex100 and affordability of flood cover. \par\pard\qj \li1418\ri1235\sb240\sl260\slmult0 \up0 \expndtw0\charscalex104 1.48.\ul0\nosupersub\cf11\f12\fs22 \ul
0\nosupersub\cf4\f5\fs22 Chapter 9 then explains the \ul0\nosupersub\cf22\f23\fs
22 architecture\ul0\nosupersub\cf4\f5\fs22 that would be needed to bring togeth
er all these \line \up0 \expndtw0\charscalex102 considerations into an integrate
d framework, in the form of a national disaster risk and insurance \line \up0 \e
xpndtw-3\charscalex100 agency. \par\pard\qj \li1418\ri1236\sb240\sl-260\slmult0
\up0 \expndtw0\charscalex100 1.49.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub
\cf4\f5\fs22 While the main focus of the Review is flood insurance, the Terms of
Reference ask the Review \line \up0 \expndtw0\charscalex108 Panel to consider n
atural disaster insurance more broadly. Chapter 10 is concerned with the \line \
up0 \expndtw-1\charscalex100 availability and affordability of cyclone insurance
, an issue that was specifically raised in submissions \line \up0 \expndtw0\char
scalex100 from residents of north Queensland. It also makes recommendations conc
erning actions of the sea \line \up0 \expndtw-3\charscalex100 and landslides. \p
ar\pard\qj \li1418\ri1219\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex103 1.50
.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The Terms of Referen
ce also ask the Review Panel to consider a number of other insurance \up0 \expnd
tw-3\charscalex100 matters, some of which are not confined to natural disasters.
\par\pard\ql \li1985\sb246\sl-253\slmult0\tx2551 \up0 \expndtw-3\charscalex100
\ul0\nosupersub\cf20\f21\fs22 \u8226? \tab \up0 \expndtw0\charscalex100 \ul0\nos
upersub\cf4\f5\fs22 The factors contributing to non-insurance and under-in
surance are explained in \par\pard\ql \li2551\sb7\sl-253\slmult0 \up0 \expndt
w-2\charscalex100 Chapters 11 and 12 respectively, along with some associated re
commendations. \par\pard\ql \li1985\sb247\sl-253\slmult0\tx2551 \up0 \expndtw-3\
charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226? \tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf4\f5\fs22 Chapters 13 and 14 recommend changes to impro
ve consumer awareness of the scope \par\pard\qj \li2551\ri1218\sb2\sl-260\slmult
0 \up0 \expndtw0\charscalex104 and coverage of insurance and insurance products
to assist consumers and also to \up0 \expndtw-3\charscalex100 improve claims man
agement, dispute resolution and advocacy services. \par\pard\li1985\sb0\sl-253\s
lmult0\par\pard\li1985\sb5\sl-253\slmult0\fi0\tx2551 \up0 \expndtw0\charscalex10
0 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw0\charscalex100 \ul0\no
supersub\cf4\f5\fs22 Chapter 15 recommends a change to the way that the Commonwe
alth Government and\par\pard\li1985\sb8\sl-253\slmult0\fi566 \up0 \expndtw0\char
scalex100 State governments share the cost of reconstruction of State assets fol
lowing natural\par\pard\li1985\sb6\sl-253\slmult0\fi566 \up0 \expndtw0\charscale
x100 disasters.\par\pard\qj \li1418\ri1232\sb230\sl-260\slmult0 \up0 \expndtw-3\
charscalex100 1.51.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 No
ting that some of the recommendations in the Report will require further develop
ment and \up0 \expndtw0\charscalex100 legislation to be passed by the Parliament
before they can take effect, Chapter 16 proposes that \up0 \expndtw0\charscalex
105 some recommendations be pursued immediately to ensure that insurance can res
pond more \up0 \expndtw-3\charscalex100 effectively to the next flood. \par\pard
\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg33}{\bkmke
nd Pg33}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmks
tart Pg34}{\bkmkend Pg34}\par\pard\qj \li1418\sb0\sl-420\slmult0 \par\pard\qj\li
1418\sb0\sl-420\slmult0 \par\pard\qj\li1418\sb0\sl-420\slmult0 \par\pard\qj\li14
18\ri1890\sb253\sl-420\slmult0 \up0 \expndtw0\charscalex99 \ul0\nosupersub\cf23\
f24\fs36 Chapter 2.\ul0\nosupersub\cf24\f25\fs36 \ul0\nosupersub\cf23\f24\fs36
T\ul0\nosupersub\cf25\f26\fs29 HE AVAILABILITY OF FLOOD INSURANCE FOR \up0 \ex
pndtw0\charscalex97 HOMES \par\pard\ql \li1418\sb0\sl-264\slmult0 \par\pard\ql\l
i1418\sb0\sl-264\slmult0 \par\pard\ql\li1418\sb121\sl-264\slmult0 \up0 \expndtw3\charscalex100 \ul0\nosupersub\cf9\f10\fs28 T\ul0\nosupersub\cf10\f11\fs22 HE N
EED \par\pard\qj \li1418\ri1216\sb260\sl-260\slmult0 \up0 \expndtw0\charscalex10
0 \ul0\nosupersub\cf4\f5\fs22 2.1.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub

\cf4\f5\fs22 The absence of flood cover for many policyholders was the primary
stimulus to the Review. As \up0 \expndtw0\charscalex100 noted in Chapter 1, all
home insurance policies include cover for bushfire, earthquake, cyclone and \up
0 \expndtw0\charscalex100 storm, but not flood. While home insurance cover for t
hese other natural disasters has been widely \up0 \expndtw0\charscalex108 availa
ble in Australia for many years, flood cover has traditionally been excluded fro
m home \up0 \expndtw0\charscalex100 insurance policies, and only over the last d
ecade has flood cover been made available by a limited \up0 \expndtw0\charscalex
102 number of insurers. Where it is available, consumers are often able to opt-o
ut of flood cover and \up0 \expndtw-2\charscalex100 evidence indicates that, whe
n able to opt-out, many policyholders do so. \par\pard\qj \li1418\ri1220\sb240\s
l-260\slmult0 \up0 \expndtw0\charscalex103 2.2.\ul0\nosupersub\cf11\f12\fs22 \u
l0\nosupersub\cf4\f5\fs22 In summary, there is a serious community need around
the availability and affordability of \up0 \expndtw0\charscalex102 flood insu
rance in high risk areas. It is essentially a coverage issue. When floods occur,
individuals \up0 \expndtw-1\charscalex100 and the community often suffer severe
economic and social losses ; these losses are exacerbated by \up0 \expndtw-1\c
harscalex100 the fact that many policyholders do not have flood cover, leading t
o financial hardship that impedes \up0 \expndtw-2\charscalex100 personal and c
ommunity recovery. Addressing the limited availability and affordability of floo
d cover \up0 \expndtw-3\charscalex100 is the primary task before the Review Pane
l. \par\pard\qj \li1418\ri1235\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex107
2.3.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 For some of th
ose who lost their homes in the floods of 2010-11, or whose homes were \line \up
0 \expndtw0\charscalex100 significantly damaged, the lack of financial protectio
n afforded by their insurance was a significant \line \up0 \expndtw0\charscalex
100 blow. The Review Panel\u8217?s consideration of the issues therefore begins
with flood insurance for the \line \up0 \expndtw-3\charscalex100 home . \par\par
d\ql \li1418\sb0\sl-264\slmult0 \par\pard\ql\li1418\sb253\sl-264\slmult0 \up0 \e
xpndtw-3\charscalex100 \ul0\nosupersub\cf9\f10\fs28 T\ul0\nosupersub\cf10\f11\fs
22 HE OPTIONS \par\pard\qj \li1418\ri1210\sb260\sl-260\slmult0 \up0 \expndtw0\ch
arscalex108 \ul0\nosupersub\cf4\f5\fs22 2.4.\ul0\nosupersub\cf11\f12\fs22 \ul0\
nosupersub\cf4\f5\fs22 In its Issues Paper, the Review Panel identified three
models that would each deal with \line \up0 \expndtw0\charscalex100 availability
to different degrees. The first model, termed \u8216?Automatic Flood Cover\u821
7?, would oblige all \line \up0 \expndtw0\charscalex105 insurers to offer flood
cover in their home insurance policies and require all homeowners who \line \up0
\expndtw0\charscalex100 purchase home insurance to purchase flood cover. The se
cond model, \u8216?Automatic Flood Cover with \line \up0 \expndtw0\charscalex109
Opt-out\u8217?, would oblige all insurers to offer flood cover in their home in
surance policies, but \line \up0 \expndtw0\charscalex102 homeowners would be abl
e to opt-out of flood cover. Under the third model, the \u8216?Status Quo\u8217?
, or \line \up0 \expndtw0\charscalex100 \u8216?Opt In / Opt-out\u8217?, insurers
would continue to be able to offer full, partial or nil flood cover in home \li
ne \up0 \expndtw-2\charscalex100 insurance policies and homeowners would continu
e to be able to purchase insurance with or without \line \up0 \expndtw0\charscal
ex100 flood cover. The Review Panel noted that, in all three cases, affordabilit
y could only be catered for \line \up0 \expndtw-2\charscalex100 through a system
of premium discounts offered for homes with high flood risk. \par\pard\ql \li14
18\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418
\sb40\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf9\f10\fs28
T\ul0\nosupersub\cf10\f11\fs22 HE CONCLUSION \par\pard\qj \li1418\ri1206\sb242\s
l-260\slmult0 \up0 \expndtw0\charscalex104 \ul0\nosupersub\cf4\f5\fs22 2.5.\ul0\
nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 After considering thes
e three models and the wide range of input received through \up0 \expn
dtw0\charscalex102 submissions and consultations, the Review Panel has concluded
that there is only one model that \up0 \expndtw0\charscalex100 would meet the n
eeds of homeowners and the community, and that is \u8216?Automatic Flood Cover\u
8217?, on \up0 \expndtw-2\charscalex100 the proviso that it can be offered in a
way that meets three important constraints: \par\pard\li1985\sb0\sl-253\slmult0\

par\pard\li1985\sb11\sl-253\slmult0\fi0\tx2551 \up0 \expndtw0\charscalex102 \ul0

\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw0\charscalex103 \ul0\nosupers
ub\cf4\f5\fs22 Flood cover for those homes with a high risk of flood can resul
t in high insurance\par\pard\li1985\sb9\sl-253\slmult0\fi566 \up0 \expndtw0\char
scalex102 premiums leading to problems of affordability.\par\pard\ql \li5855\sb
0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\
sl-207\slmult0 \par\pard\ql\li5855\sb104\sl-207\slmult0 \up0 \expndtw-3\charscal
ex100 \ul0\nosupersub\cf6\f7\fs18 29 \par\pard\sect\sectd\fs24\paperw11900\paper
h16820\pard\sb0\sl-240{\bkmkstart Pg35}{\bkmkend Pg35}\par\pard\ql \li7604\sb0\s
l-207\slmult0 \par\pard\ql\li7604\sb0\sl-207\slmult0 \par\pard\ql\li7604\sb14\sl
-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 2
: Flood insurance for homes \par\pard\ql \li1985\sb0\sl-253\slmult0 \par\pard\ql
\li1985\sb242\sl-253\slmult0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersu
b\cf20\f21\fs22 \u8226? \tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f
5\fs22 To maintain a commercially sound insurance market , insurers need control
over their \par\pard\qj \li2551\ri1210\sb2\sl-260\slmult0 \up0 \expndtw-3\chars
calex100 flood exposures and accumulations, adequate information for pricing an
d underwriting \up0 \expndtw-3\charscalex100 , and the ability to seek commercia
l prices for any flood risks that they underwrite. \par\pard\ql \li1985\sb246\s
l-253\slmult0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22
\u8226? \tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 There ha
s been sub-optimal risk management of flood-prone land and buildings in the \p
ar\pard\qj \li2551\ri1235\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex102 past.
Accordingly, any new arrangements to facilitate improved insurance coverage \lin
e \up0 \expndtw-2\charscalex100 should also encourage, either of themselves or i
n conjunction with separate initiatives, \line \up0 \expndtw0\charscalex100 impr
oved flood risk management \up0 \expndtw0\charscalex104 (that is, improved flood
risk measurement and \par\pard\ql \li2551\sb6\sl-253\slmult0 \up0 \expndtw-3\c
harscalex100 mitigation). \par\pard\qj \li1418\ri1236\sb242\sl-260\slmult0 \up0
\expndtw0\charscalex107 2.6.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f
5\fs22 The reasons for having flood cover included in all home insurance polic
ies, and thereby \line \up0 \expndtw0\charscalex105 eliminating the \u8216?flood
versus storm\u8217? problem, are clear from the needs already explained in the
\line \up0 \expndtw0\charscalex105 previous Chapter. Because of the importance,
however, of dealing meaningfully with the three \line \up0 \expndtw0\charscalex1
03 constraints of affordability \up0 \expndtw0\charscalex109 , the commercial so
undness of insurers and effective flood risk \par\pard\qj \li1418\ri1239\sb0\s
l-260\slmult0 \up0 \expndtw0\charscalex107 management , the Review Panel has exp
lored extensively all options for responding to these \up0 \expndtw-3\charscalex
100 constraints. \par\pard\qj \li1418\ri1219\sb240\sl-260\slmult0 \up0 \expndtw0
\charscalex103 2.7.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22
Noting also that ideas that would respond to these constraints imply some major
initiatives \up0 \expndtw0\charscalex100 and changes, the Review Panel has consi
dered carefully the implications of maintaining the current \up0 \expndtw-2\char
scalex100 arrangements (opt in/opt-out) and flood cover with opt-out, in order t
o be fully satisfied that making \up0 \expndtw-2\charscalex100 a transition to f
lood cover in all home policies is justified. \par\pard\qj \li1418\ri1229\sb240\
sl-260\slmult0 \up0 \expndtw0\charscalex100 2.8.\ul0\nosupersub\cf11\f12\fs22 \
ul0\nosupersub\cf4\f5\fs22 The remainder of this Chapter explains the implicat
ions of all these models in order to clarify \up0 \expndtw0\charscalex100 the pr
oblems and weaknesses of the two rejected models and to document the benefits of
having \up0 \expndtw-3\charscalex100 flood cover in all home insurance policie
s. \par\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult
0 \par\pard\ql\li1418\sb40\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nos
upersub\cf9\f10\fs28 C\ul0\nosupersub\cf10\f11\fs22 ONSIDERING THE THREE OPTIONS
\par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1213\sb2\sl-260\s
lmult0 \up0 \expndtw0\charscalex105 \ul0\nosupersub\cf4\f5\fs22 2.9.\ul0\nosuper
sub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 There is an expectation that th
e availability of flood insurance will improve in the period \up0 \expndtw-2\ch
arscalex100 ahead. Some insurers already offer flood insurance , either national

ly or in some parts of the country, \up0 \expndtw-3\charscalex100 and some other

s are making arrangements to do so in the near future.\ul0\super\cf26\f27\fs20 2
0 \par\pard\qj \li1418\ri1215\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex100
\ul0\nosupersub\cf4\f5\fs22 2.10.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\
cf4\f5\fs22 The Insurance Council claims that in 18 months time flood insurance
will be offered in more \up0 \expndtw0\charscalex103 than 84 per cent of home i
nsurance policies.\ul0\super\cf26\f27\fs20 21\ul0\nosupersub\cf4\f5\fs22 Howeve
r, this figure provides no indication of the \up0 \expndtw-2\charscalex100 exten
t of take-up of these offerings, particularly by the approximately 7 per cent o
f homes which are \up0 \expndtw0\charscalex100 exposed to a risk of flood. For e
xample, IAG notes that it currently provides NRMA policyholders an \up0 \expndt
w0\charscalex107 ability to opt-out of flood cover in New South Wales and that o
nly a minority of customers in \up0 \expndtw0\charscalex100 flood-prone areas c
hoose to take-up flood cover.\ul0\super\cf26\f27\fs20 22\ul0\nosupersub\cf4\f5\f
s22 An expansion in the offering of flood cover will \up0 \expndtw-3\charscalex
100 not solve the coverage problem unless policyholders take it up. \par\pard\ql
\li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb49\sl-299\slmult0 \up0 \expndt
w-3\charscalex100 \ul0\nosupersub\cf18\f19\fs26 The \u8216?Status Quo\u8217? or
\u8216?Opt in/Opt-out\u8217? \par\pard\qj \li1418\ri1239\sb254\sl-260\slmult0 \u
p0 \expndtw0\charscalex105 \ul0\nosupersub\cf4\f5\fs22 2.11.\ul0\nosupersub\cf11
\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 If insurers continue to be able to choose
whether to exclude flood cover from their home \line \up0 \expndtw0\charscalex1
04 insurance policies, either by not offering or allowing policyholders not to b
uy flood cover, it will \line \up0 \expndtw0\charscalex100 continue to be possib
le for a homeowner to purchase a home insurance policy without flood cover, \lin
e \up0 \expndtw0\charscalex105 and therefore to be exposed to an uninsured flood
risk. Some homeowners may choose not to \line \up0 \expndtw0\charscalex102 purc
hase flood cover and others may purchase a home insurance policy unaware that it
does not \line \up0 \expndtw0\charscalex102 cover them for flood. Some choosing
not to purchase flood cover may subsequently suffer water \par\pard\li1418\sb0\
sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb102\sl-207\s
lmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 20
\tab \up0 \expndtw-2\charscalex100 Suncorp submission, p 7; IAG submission, p 3.
\par\pard\li1418\sb52\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 21
\tab \up0 \expndtw-2\charscalex100 Insurance Council of Australia submission, p
2.\par\pard\li1418\sb55\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100
22\tab \up0 \expndtw-2\charscalex100 Op cit, p 3.
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g36}{\bkmkend Pg36}\par\pard\ql \li7604\sb0\sl-207\slmult0 \par\pard\ql\li7604\s
b0\sl-207\slmult0 \par\pard\ql\li7604\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 2: Flood insurance for homes \par\pa
rd\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1233\sb230\sl-260\slmult0
\up0 \expndtw0\charscalex112 \ul0\nosupersub\cf4\f5\fs22 damage that they expec
t to be covered by their insurance policy but which is not, due to \line \up0 \e
xpndtw0\charscalex103 technicalities associated with the definition of flood. As
in the past, this will lead to disputes and \line \up0 \expndtw0\charscalex100
delays in having liability for their claim determined. The initiatives of insure
rs alone, therefore, will \line \up0 \expndtw-3\charscalex100 not be adequate. \
par\pard\qj \li1418\ri1205\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex104 2.1

2.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 In summary, notwith

standing the extension of flood cover availability, the combination of \line \up
0 \expndtw-2\charscalex100 affordability problems and lack of incentive to takeup flood cover will lead to a repeat, after the next \line \up0 \expndtw-2\chars
calex100 flood, of the same problems that have caused so much distress and dissa
tisfaction as in past floods. \par\pard\ql \li1418\sb0\sl-299\slmult0 \par\pard\
ql\li1418\sb69\sl-299\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf18
\f19\fs26 \u8216?Automatic Flood Cover with Opt-out\u8217? \par\pard\qj \li1418\
ri1215\sb234\sl-260\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\
fs22 2.13.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 It is the v
iew of the Review Panel that requiring insurers to include flood cover in their
home \up0 \expndtw0\charscalex102 insurance policies, but allowing policyhol
ders to opt-out, would not represent an adequate \up0 \expndtw0\charscale
x100 improvement over the existing arrangements. Such an approach might lead to
some increase in the \up0 \expndtw0\charscalex104 take-up of flood insurance, si
nce homeowners would need to explicitly decide not to accept the \up0 \expndtw0\
charscalex103 insurer\u8217?s offer of flood cover. Some may make a conscious ch
oice to do so whilst others may not \up0 \expndtw-3\charscalex100 exercise a con
scious choice and have cover by default. \par\pard\qj \li1418\ri1215\sb240\sl-26
0\slmult0 \up0 \expndtw-1\charscalex100 2.14.\ul0\nosupersub\cf11\f12\fs22 \ul0
\nosupersub\cf4\f5\fs22 However an opt-out provision is typically only effective
, however, in driving take-up where the \line \up0 \expndtw-2\charscalex100 defa
ult option involves minimal perceived cost to the decision maker. For example, w
here the choice \line \up0 \expndtw0\charscalex100 to become an organ donor has
been changed from an opt-in to an opt-out decision, the number of \line \up0 \ex
pndtw-2\charscalex100 registered organ donors has substantially increased. \ul0\
super\cf26\f27\fs20 23\ul0\nosupersub\cf4\f5\fs22 Given then that the take-up o
f flood cover will \line \up0 \expndtw0\charscalex104 come with a cost for some
policyholders, and particularly for homes with material flood risk, an \line \up
0 \expndtw-2\charscalex100 opt-out provision is unlikely to drive a significant
take-up of flood insurance. The NRMA experience in \line \up0 \expndtw-2\charsca
lex100 New South Wales illustrates that it does not work effectively when there
is a material cost involved. \par\pard\ql \li1418\sb82\sl-161\slmult0 \up0 \expn
dtw-2\charscalex100 \ul0\super\cf26\f27\fs20 24 \par\pard\qj \li1418\ri1217\sb25
8\sl-260\slmult0 \up0 \expndtw0\charscalex104 \ul0\nosupersub\cf4\f5\fs22 2.15.\
ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The opt-out approach,
therefore, would not provide the solution to the coverage problem \line \up0 \ex
pndtw0\charscalex103 needed by homeowners and the community. Allowing policyhold
ers to opt-out would mean that \line \up0 \expndtw0\charscalex106 there would co
ntinue to be financial and social costs imposed on the community as a result of
\line \up0 \expndtw0\charscalex110 homeowners facing financial stress following
a flood. There would continue to be delays in \line \up0 \expndtw0\charscalex105
determining the cause of damage, deferring the ability of homeowners to recover
and resume \line \up0 \expndtw0\charscalex106 normal lives. There would continu
e to be more disputes with insurers than after other natural \line \up0 \expndtw
-1\charscalex100 disasters, creating costs and stress for homeowners and insurer
s. Insurers may also continue to face \line \up0 \expndtw-2\charscalex100 a back
lash and brand damage from homeowners who believed that their insurance had not
delivered \line \up0 \expndtw-3\charscalex100 to their expectations. \par\pard\q
j \li1418\ri1210\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex104 2.16.\ul0\nos
upersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Accordingly, whilst the \u821
6?opt-out\u8217? option may lead to some increase in the take-up of flood \up0 \
expndtw0\charscalex105 insurance, Australians will still see a continuation of t
he problems that have plagued past flood \up0 \expndtw-2\charscalex100 events an
d it is therefore in the Review Panel\u8217?s opinion, an inadequate solution. \
par\pard\ql \li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb69\sl-299\slmult0 \
up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf18\f19\fs26 \u8216?Automatic Floo
d Cover\u8216? \par\pard\qj \li1418\ri1228\sb254\sl-260\slmult0 \up0 \expndtw0\c
harscalex107 \ul0\nosupersub\cf4\f5\fs22 2.17.\ul0\nosupersub\cf11\f12\fs22 \ul
0\nosupersub\cf4\f5\fs22 There are numerous consequences of the inclusion of flo

od cover in all home insurance \up0 \expndtw0\charscalex103 policies, most of th

em beneficial. The more important ones as assessed by the Review Panel are \up0
\expndtw-3\charscalex100 described in the following paragraphs. \par\pard\ql \li
1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li14
18\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418
\sb56\sl-207\slmult0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f
28\fs18 23 \tab \up0 \expndtw-1\charscalex100 Johnson and Goldstein, \u8216?Do D
efaults Save Lives?\u8217?, 2003, Science, Vol. 203. \par\pard\ql \li1985\sb53\s
l-207\slmult0 \up0 \expndtw-2\charscalex100 {\field{\*\fldinst {HYPERLINK "http:
//webs.wofford.edu/pechwj/Do%20Defaults%20Save%20Lives.pdf" }}{\fldrslt {\ul0\no
supersub\cf27\f28\fs18 http://webs.wofford.edu/pechwj/Do%20Defaults%20Save%20Liv
es.pdf}}} \par\pard\li1418\sb64\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf27\f28\fs18 24\tab \up0 \expndtw-2\charscalex100 IAG s
ubmission, p 3\par\pard\ql \li1985\sb35\sl-216\slmult0 \up0 \expndtw-1\charscale
x100 {\field{\*\fldinst {HYPERLINK "http://www.ndir.gov.au/content/submissions/i
ssues_paper_submissions/Insurance_Australia_Group_(IAG).pdf" }}{\fldrslt {\ul0\n
osupersub\cf27\f28\fs18 http://www.ndir.gov.au/content/submissions/issues_paper_
submissions/Insurance_Australia_Group_(IAG).pdf}}}
{\shp {\*\shpinst\shpleft1418\shptop14246\shpright4299\shpbottom14266\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz587\shplid0
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 2881}}{\sp{\sn geoBottom}{\sv 20}}
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{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g37}{\bkmkend Pg37}\par\pard\ql \li7604\sb0\sl-207\slmult0 \par\pard\ql\li7604\s
b0\sl-207\slmult0 \par\pard\ql\li7604\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 2: Flood insurance for homes \par\pa
rd\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1211\sb230\sl-260\slmult0
\up0 \expndtw0\charscalex107 \ul0\nosupersub\cf4\f5\fs22 2.18.\ul0\nosupersub\c
f11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Flood cover in all home policies would
provide all policyholders with the same financial \line \up0 \expndtw0\charscal
ex103 protection for flood that they currently receive in the event of other nat
ural disasters and would \line \up0 \expndtw0\charscalex100 provide policyholder
s certainty of insurance coverage. The delays and uncertainty for policyholders
\line \up0 \expndtw0\charscalex103 that have resulted in assessing flood c
laims, where insurers have had to conduct detailed \line \up0 \expndtw0\c
harscalex100 hydrological assessments to determine the source of water damage, w
ould be eliminated in future, \line \up0 \expndtw0\charscalex107 relieving many
policyholders of considerable disruption and distress. Eliminating the need to \
line \up0 \expndtw-2\charscalex100 distinguish between flood and storm would sig
nificantly reduce disputations following a flood. \par\pard\qj \li1418\ri1232\sb
240\sl-260\slmult0 \up0 \expndtw0\charscalex100 2.19.\ul0\nosupersub\cf11\f12\fs
22 \ul0\nosupersub\cf4\f5\fs22 The assessment that homeowners currently have to
make in determining whether they need \line \up0 \expndtw0\charscalex100 or sho
uld buy flood cover, and whether a particular insurance policy provides flood co
ver, would be \line \up0 \expndtw0\charscalex108 eliminated. This assessment is
often difficult. Insurance is a complex product; the disclosure \line \up0 \expn
dtw-1\charscalex100 statement that describes the product is a long and complicat
ed legal document. The issues faced by \line \up0 \expndtw0\charscalex104 consum
ers in dealing with complex decisions are well understood in the behavioural eco
nomics \line \up0 \expndtw0\charscalex100 literature. Consumers have been observ
ed to systematically make choices that are not in their own \line \up0 \expndtw0
\charscalex104 interests when payoffs are uncertain and infrequent.\ul0\super\cf
26\f27\fs20 25\ul0\nosupersub\cf4\f5\fs22 Where insurers are able to exclude fl

ood \line \up0 \expndtw0\charscalex100 cover from their home insurance policies,
a product already difficult to navigate is made even more \line \up0 \expndtw-1
\charscalex100 difficult. It is no surprise, given this complexity, that many ho
meowners have found themselves with \line \up0 \expndtw0\charscalex103 a home in
surance policy that does not cover damage to their home caused by flood. The Rev
iew \line \up0 \expndtw0\charscalex100 Panel\u8217?s recommendation for flood to
be included in all home insurance policies would overcome all \line \up0 \expnd
tw-3\charscalex100 of these issues. \par\pard\qj \li1418\ri1226\sb240\sl-260\slm
ult0 \up0 \expndtw0\charscalex100 2.20.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosup
ersub\cf4\f5\fs22 The community would also benefit. The lower the financial impa
ct of a natural disaster on the \up0 \expndtw0\charscalex100 members of a commun
ity, the lower the impact on the community generally. The more quickly and \up0
\expndtw-1\charscalex100 ably members of the community can get back on their fee
t after a natural disaster, the more quickly \up0 \expndtw-3\charscalex100 commu
nity life can resume. \par\pard\qj \li1418\ri1210\sb240\sl-260\slmult0 \up0 \exp
ndtw-1\charscalex100 2.21.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\
fs22 The inclusion of flood cover in all home insurance policies would reduce th
e reliance on charity \up0 \expndtw0\charscalex104 and the financial burden on g
overnments following a flood would be reduced, through reduced \up0 \expndtw-2\c
harscalex100 government support payments, making these funds available for other
purposes. \par\pard\qj \li1418\ri1221\sb240\sl-260\slmult0 \up0 \expndtw0\chars
calex100 2.22.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 This ap
proach would also provide benefits to insurers. If all home insurance policies i
ncluded \up0 \expndtw-1\charscalex100 cover for flood, the reputational damage t
hat the insurance industry has suffered after floods would \up0 \expndtw-2\chars
calex100 be all but eliminated. The confidence of the public in insurance genera
lly would not be prejudiced, as \up0 \expndtw-2\charscalex100 policyholders coul
d have confidence that their primary financial safety net will provide support w
hen \up0 \expndtw0\charscalex102 required. The costs incurred by insurers and th
e pressure on their staff due to the high number of \up0 \expndtw-3\charscalex10
0 disputes when floods occur would be eliminated. \par\pard\qj \li1418\ri1231\sb
240\sl-260\slmult0 \up0 \expndtw0\charscalex103 2.23.\ul0\nosupersub\cf11\f12\fs
22 \ul0\nosupersub\cf4\f5\fs22 Some submissions to the Review oppose the inclus
ion of flood cover in all home insurance \line \up0 \expndtw0\charscalex100 poli
cies as they claim it would reduce consumer choice.\ul0\super\cf26\f27\fs20 26\u
l0\nosupersub\cf4\f5\fs22 It is true that homeowners would not be \line \up0 \e
xpndtw0\charscalex100 able to choose to have home insurance without cover for fl
ood. It is worth noting, however, that a \line \up0 \expndtw0\charscalex102 home
owner usually cannot choose to purchase home insurance without cover for storm,
cyclone, \line \up0 \expndtw0\charscalex100 bushfire or earthquake. General insu
rance necessarily involves the bundling of risks, many of which \line \up0 \expn
dtw-2\charscalex100 cannot be unbundled. The ability to choose not to be covered
for certain forms of water damage and \line \up0 \expndtw0\charscalex102 yet no
t having other coverage choices is, in the opinion of the Review Panel, of negli
gible value to \line \up0 \expndtw-3\charscalex100 homeowners. \par\pard\qj \li1
418\ri1236\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex100 2.24.\ul0\nosupersu
b\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 As discussed in paragraph 2.5, in o
rder for all home insurance policies to include flood cover, \line \up0 \expndtw
0\charscalex100 however, a number of constraints need to be met: affordability f
or homeowners with a high flood \par\pard\ql \li1418\sb0\sl-207\slmult0 \par\par
d\ql\li1418\sb197\sl-207\slmult0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf27\f28\fs18 25 \tab \up0 \expndtw-1\charscalex100 For example, Kunrenthe
r, Meyer & Michel-Kerjan, \u8216?Overcoming Decision Biases to Reduce Losses fro
m Natural \par\pard\ql \li1985\sb53\sl-207\slmult0 \up0 \expndtw-2\charscalex100
Catastrophes\u8217?, Wharton School of the University of Pennsylvania, \par\par
d\ql \li1985\sb53\sl-207\slmult0 \up0 \expndtw-2\charscalex100 {\field{\*\fldins
t {HYPERLINK "http://opim.wharton.upern.edu/risk/library/C2009" }}{\fldrslt {\ul
0\nosupersub\cf27\f28\fs18 http://opim.wharton.upern.edu/risk/library/C2009-}}}\
ul0\nosupersub\cf27\f28\fs18 HK,RIM,EMK.pdf \par\pard\li1418\sb64\sl-207\slmult0
\fi0\tx1985 \up0 \expndtw-2\charscalex100 26\tab \up0 \expndtw-1\charscalex100 I

nsurance Council of Australia submission, p 2; Suncorp submission, p 7; Allianz

submission, p 2; Wesfarmers\par\pard\li1418\sb55\sl-207\slmult0\fi566 \up0 \expn
dtw-2\charscalex100 Insurance submission, p 10.
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g38}{\bkmkend Pg38}\par\pard\ql \li7604\sb0\sl-207\slmult0 \par\pard\ql\li7604\s
b0\sl-207\slmult0 \par\pard\ql\li7604\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 2: Flood insurance for homes \par\pa
rd\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1231\sb230\sl-260\slmult0
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 risk; the maintenance
of a commercially sound insurance industry; and an improvement in flood risk \u
p0 \expndtw0\charscalex103 management. The Review Panel believes that each of th
e constraints can be accommodated in a \up0 \expndtw0\charscalex108 manner that
justifies and supports the provision of flood cover in future in all home buildi
ng \up0 \expndtw-3\charscalex100 insurance policies. \par\pard\ql \li1526\sb0\sl
-253\slmult0 \par\pard\ql\li1526\sb113\sl-253\slmult0 \up0 \expndtw-3\charscalex
100 \ul0\nosupersub\cf16\f17\fs22 Recommendation 1: \par\pard\ql \li1526\sb127\s
l-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That all
home building insurance policies include flood cover. \par\pard\qj \li1418\sb0\
sl-262\slmult0 \par\pard\qj\li1418\ri1223\sb238\sl-262\slmult0 \up0 \expndtw0\ch
arscalex100 2.25.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The
Review Panel has considered whether home insurance should be made compulsory for
all \up0 \expndtw0\charscalex103 homeowners, for all perils including flood. It
is currently a matter for homeowners as to whether \up0 \expndtw0\charscalex100
they choose to purchase insurance cover for their homes and it is a matter for
insurance companies \up0 \expndtw-2\charscalex100 to decide whether to offer hom
e insurance and, if so, to whom. In the opinion of the Review Panel, it \up0 \ex
pndtw0\charscalex100 would not be appropriate to change this situation and to co
mpel homeowners to buy insurance for \up0 \expndtw0\charscalex100 their homes. T
he Review Panel recommends, therefore, that insurance for neither home buildings
\up0 \expndtw0\charscalex102 nor home contents be made compulsory. This positio
n is explained further in Chapter 11 and is of \up0 \expndtw-1\charscalex100 cou
rse distinct from the previous recommendation that, if a homeowner purchases hom
e insurance, \up0 \expndtw-2\charscalex100 flood cover be part of the insurance
policy. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb93\sl-253\
slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recommendati
on 2: \par\pard\ql \li1526\sb127\sl-253\slmult0 \up0 \expndtw-2\charscalex100 \u
l0\nosupersub\cf4\f5\fs22 That home building and home contents insurance should
not be made compulsory. \par\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1
418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\li141
8\sb68\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf9\f10\fs28
I\ul0\nosupersub\cf10\f11\fs22 TEMS INCLUDED IN FLOOD COVER \par\pard\qj \li141
8\ri1214\sb242\sl-260\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f
5\fs22 2.26.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 There are
a number of items associated with the home, such as fences, sheds, pergolas, po
ols \up0 \expndtw-2\charscalex100 and jetties, that insurers sometimes exclude f
rom their home insurance policies. If an insurer decides \up0 \expndtw0\charscal
ex100 to exclude an item from cover under a home insurance policy, then that dec
ision should be able to \up0 \expndtw0\charscalex103 apply equally to flood cove
r provided by the insurer. If an insurer covers an item under its home \up0 \exp

ndtw-3\charscalex100 insurance policy, however, then it should cover that item f

or flood. \par\pard\qj \li1418\ri1233\sb240\sl-260\slmult0 \up0 \expndtw0\charsc
alex107 2.27.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Similarl
y, insurers typically exclude from cover under their home insurance policies any
\line \up0 \expndtw0\charscalex103 structures that are not approved by the loca
l council. For example, in some parts of Queensland \line \up0 \expndtw-1\charsc
alex100 where it is common for the habitable floor level to be elevated, homeown
ers have built unapproved \line \up0 \expndtw0\charscalex102 structures below th
e habitable floor level. Such structures can be particularly susceptible to floo
d \line \up0 \expndtw0\charscalex104 damage where the home is in an area of floo
d risk. Where an insurer excludes such unapproved \line \up0 \expndtw-1\charscal
ex100 structures from its home insurance policies, then consequently, no flood c
over would apply to those \line \up0 \expndtw-3\charscalex100 structures. \par\p
ard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pa
rd\ql\li1418\sb40\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\c
f9\f10\fs28 E\ul0\nosupersub\cf10\f11\fs22 XCESSES AND SUB\ul0\nosupersub\cf9\f1
0\fs28 -\ul0\nosupersub\cf10\f11\fs22 LIMITS FOR FLOOD COVER \par\pard\qj \li141
8\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1230\sb2\sl-260\slmult0 \up0 \expndtw
0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 2.28.\ul0\nosupersub\cf11\f12\fs22
\ul0\nosupersub\cf4\f5\fs22 Only where homeowners have full cover for flood dama
ge, as distinct from partial cover, are \line \up0 \expndtw0\charscalex100 they
fully protected from the financial impacts and delays arising from flood. If ins
urers restrict the \line \up0 \expndtw-1\charscalex100 insurance cover they prov
ide for flood, as some have done in the past, compared with that for other \line
\up0 \expndtw-2\charscalex100 natural disasters, then there will continue to be
issues of limited coverage, delays and disputes in the \line \up0 \expndtw-3\ch
arscalex100 event of a flood. \par\pard\qj \li1418\ri1232\sb240\sl-260\slmult0 \
up0 \expndtw0\charscalex100 2.29.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\
cf4\f5\fs22 One way that some insurers have sought to limit their flood coverage
is via a sub-limit. Some \line \up0 \expndtw-1\charscalex100 insurance policies
have included a sub-limit for flood damage which restricts the maximum payout i
n \line \up0 \expndtw-1\charscalex100 the event of flood damage to a level subst
antially below the replacement value or sum insured of the
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{

\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 510}}
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g39}{\bkmkend Pg39}\par\pard\ql \li7604\sb0\sl-207\slmult0 \par\pard\ql\li7604\s
b0\sl-207\slmult0 \par\pard\ql\li7604\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 2: Flood insurance for homes \par\pa
rd\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1215\sb230\sl-260\slmult0
\up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 home. While the provis
ion of flood cover with a sub-limit may be better than no flood cover at all, \u
p0 \expndtw-1\charscalex100 the Review Panel considers that flood cover when inc
luded should be on the same basis as cover for \up0 \expndtw-2\charscalex100 oth
er perils. The community expects insurance to provide the same protection for th
e policyholder in \up0 \expndtw-2\charscalex100 the event of a natural disaster,
whether it be storm, bushfire, earthquake or flood. \par\pard\qj \li1418\ri1226
\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex103 2.30.\ul0\nosupersub\cf11\f12
\fs22 \ul0\nosupersub\cf4\f5\fs22 Another way that some insurers limit their fl
ood coverage is via an excess in the event of a \up0 \expndtw0\charscalex104 flo
od claim. Whereas a sub-limit restricts an insurer\u8217?s exposure to large cla
ims and leaves them \up0 \expndtw0\charscalex107 exposed only to smaller claims,
a large excess has the opposite effect: it restricts an insurer\u8217?s \up0 \e
xpndtw0\charscalex100 exposure to small losses and leaves them exposed only to l
arger losses. Just as with a low sub-limit, \up0 \expndtw-1\charscalex100 where
a large excess is applied to flood claims, the policyholder remains exposed to a
large financial \up0 \expndtw-3\charscalex100 shock in the event of flood. \par
\pard\qj \li1418\ri1210\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex100 2.31.\
ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Furthermore, where flo
od sub-limits or high flood excesses apply, when floods occur insurers \up0 \exp
ndtw0\charscalex104 need to conduct assessments to determine whether the damage
was caused by flood or storm, \up0 \expndtw-2\charscalex100 potentially leading
to the same kinds of delays as for policies with no flood cover. \par\pard\qj \l
i1418\ri1227\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex108 2.32.\ul0\nosuper
sub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Hence the use of flood sub-limits
and high flood excesses generates many of the same \up0 \expndtw-3\charscalex10
0 difficulties as flood exclusions. \par\pard\qj \li1418\ri1236\sb240\sl-260\slm
ult0 \up0 \expndtw0\charscalex103 2.33.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosup
ersub\cf4\f5\fs22 The Review Panel therefore recommends that insurers not be abl
e to apply a flood specific \line \up0 \expndtw0\charscalex105 sub-limit to floo
d cover, and any excess that applies to flood cover be commensurate with that \l
ine \up0 \expndtw0\charscalex103 applicable to other perils covered under the po
licy. This would ensure that the provision of flood \line \up0 \expndtw0\charsca
lex100 cover by insurers would provide genuine, complete protection in the event
of a flood. Policyholders \line \up0 \expndtw-1\charscalex100 would be fully pr
otected from the financial shock, delays and disputes that would otherwise follo
w a \line \up0 \expndtw-2\charscalex100 flood. \par\pard\ql \li1526\sb0\sl-253\s
lmult0 \par\pard\ql\li1526\sb113\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \u
l0\nosupersub\cf16\f17\fs22 Recommendation 3: \par\pard\ql \li1526\sb127\sl-253\
slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That whenever
flood cover is included in home building insurance policies: \par\pard\ql \li152
6\sb247\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf21\f22\fs
20 \u8226?\ul0\nosupersub\cf13\f14\fs20 \ul0\nosupersub\cf4\f5\fs22 flood-spe
cific sub-limits not apply; and \par\pard\qj \li1526\sb0\sl-260\slmult0 \par\par
d\qj\li1526\ri1340\sb2\sl-260\slmult0\tx1810 \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf21\f22\fs20 \u8226?\ul0\nosupersub\cf13\f14\fs20 \ul0\nosupersub\c
f4\f5\fs22 any excess that applies to flood cover be commensurate with that ap

plicable to other insured \line\tab \up0 \expndtw-3\charscalex100 perils.

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{\shp {\*\shpinst\shpleft1526\shptop9827\shpright10385\shpbottom10337\shpfhdr0\s
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89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g40}{\bkmkend Pg40}\par\pard\qj \li1418\sb0\sl-420\slmult0 \par\pard\qj\li1418\s
b0\sl-420\slmult0 \par\pard\qj\li1418\sb0\sl-420\slmult0 \par\pard\qj\li1418\ri1
576\sb253\sl-420\slmult0 \up0 \expndtw0\charscalex99 \ul0\nosupersub\cf23\f24\fs
36 Chapter 3.\ul0\nosupersub\cf24\f25\fs36 \ul0\nosupersub\cf23\f24\fs36 T\ul
0\nosupersub\cf25\f26\fs29 HE AFFORDABILITY OF FLOOD INSURANCE FOR \up0 \expndtw
0\charscalex97 HOMES \par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418
\ri1230\sb93\sl-260\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5
\fs22 3.1.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 As noted
in Chapter 2, the Review Panel considers that the inclusion of flood cover in al
l home \line \up0 \expndtw-2\charscalex100 insurance policies would meet the nee
ds of homeowners and the community, provided that it can be \line \up0 \expndtw0
\charscalex100 offered in a way that meets the three important constraints of af
fordability, commercial soundness \line \up0 \expndtw0\charscalex100 of insurers
and risk considerations and effective flood risk management. This chapter consi
ders the \line \up0 \expndtw-3\charscalex100 affordability question. \par\pard\q
l \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql
\li1418\sb40\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf9\f1
0\fs28 T\ul0\nosupersub\cf10\f11\fs22 HE AFFORDABILITY PROBLEM \par\pard\qj \li1
418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1218\sb2\sl-260\slmult0 \up0 \expnd
tw0\charscalex105 \ul0\nosupersub\cf4\f5\fs22 3.2.\ul0\nosupersub\cf11\f12\fs22
\ul0\nosupersub\cf4\f5\fs22 Table 2 provides some estimates submitted by the
Insurance Council of the level of flood \up0 \expndtw0\charscalex103 insurance p
remiums for homes exposed to differing levels of flood risk. They are not precis
e and \up0 \expndtw-1\charscalex100 have a number of caveats.\ul0\super\cf26\f27
\fs20 27\ul0\nosupersub\cf4\f5\fs22 Nevertheless, they provide an indication of
the distribution of homes by \up0 \expndtw0\charscalex100 level of flood risk a
nd of the extent of premium increases that might be required if all homeowners \
up0 \expndtw-3\charscalex100 were obliged to meet the full costs of flood insura
nce. \par\pard\qj \li1418\sb0\sl-240\slmult0 \par\pard\qj\li1418\ri1517\sb17\sl240\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Table 2:
Insurance Council of Australia estimates of flood insurance premiums by flood \
line \up0 \expndtw-3\charscalex100 risk \par\pard\li1418\sb152\sl-184\slmult0\fi
0\tx3929\tx6301\tx8733 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf31\f32\fs
16 Risk Band\tab \up0 \expndtw-2\charscalex100 Frequency of Flooding\tab \up0 \e
xpndtw-2\charscalex100 Number of properties\tab \up0 \expndtw-2\charscalex100 An

nual Flood Risk\par\pard\li1418\sb78\sl-184\slmult0\fi2462\tx9025 \up0 \expndtw2\charscalex100 (Annual Return Interval)\tab \up0 \expndtw-2\charscalex100 Premi
um $\par\pard\li1418\sb164\sl-184\slmult0\fi0\tx5658\tx7455\tx10401 \up0 \expndt
w-2\charscalex100 \ul0\nosupersub\cf32\f33\fs16 No flood risk\tab \up0 \expndtw2\charscalex100 Nil\tab \up0 \expndtw-2\charscalex100 6,174,912\tab \up0 \expndt
w-2\charscalex100 0\par\pard\li1418\sb166\sl-184\slmult0\fi0\tx4635\tx7590\tx103
12 \up0 \expndtw-2\charscalex100 Low\tab \up0 \expndtw-2\charscalex100 Greater t
han 111\tab \up0 \expndtw-2\charscalex100 276,277\tab \up0 \expndtw-2\charscalex
100 77\par\pard\li1418\sb167\sl-184\slmult0\fi0\tx5177\tx7678\tx9707 \up0 \expnd
tw-2\charscalex100 Medium\tab \up0 \expndtw-2\charscalex100 111 to 50\tab \up0 \
expndtw-2\charscalex100 50,366\tab \up0 \expndtw-2\charscalex100 378 \u8212? 572
\par\pard\li1418\sb166\sl-184\slmult0\fi0\tx5266\tx7678\tx9484 \up0 \expndtw-2\c
harscalex100 High\tab \up0 \expndtw-2\charscalex100 50 to 20\tab \up0 \expndtw-2
\charscalex100 57,867\tab \up0 \expndtw-2\charscalex100 952 \u8212? 2,1773\par\p
ard\li1418\sb167\sl-184\slmult0\fi0\tx4582\tx7678\tx9441 \up0 \expndtw-2\charsca
lex100 Extreme\tab \up0 \expndtw-2\charscalex100 20 to less than 15\tab \up0 \ex
pndtw-2\charscalex100 57,578\tab \up0 \expndtw-2\charscalex100 2,439 \u8212? 6,7
77\par\pard\qj \li1418\ri1284\sb63\sl-180\slmult0 \up0 \expndtw0\charscalex100 N
ote: These are estimates of the risk rated price only and do not include other c
osts that would be added to a retail premium \up0 \expndtw-2\charscalex100 such
as taxes or brokerage fees. \par\pard\ql \li1418\sb1\sl-179\slmult0 \up0 \expndt
w-2\charscalex100 Source: Insurance Council of Australia submission, p 14. \par\
pard\qj \li1418\sb0\sl-255\slmult0 \par\pard\qj\li1418\ri1203\sb24\sl-255\slmult
0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 3.3.\ul0\nosupersub\c
f11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 On the basis of this table, the incl
usion of flood cover in home insurance policies ought not to \line \up0 \expndtw
0\charscalex100 have any effect on the home insurance premiums for the 6.2 milli
on homes without flood risk. For \line \up0 \expndtw0\charscalex106 the 276,000
homes at a low risk of flood, the price impact would be low, at less than $100 p
er \line \up0 \expndtw-2\charscalex100 annum. For the remaining 166,000 homes, t
he impact would be larger, ranging from the hundreds to \line \up0 \expndtw-2\ch
arscalex100 thousands of dollars per annum. Note that the total number of homes
according to this table is about \par\pard\ql \li1418\sb7\sl-253\slmult0 \up0 \e
xpndtw-3\charscalex100 6.6 million. \par\pard\qj \li1418\sb0\sl-260\slmult0 \par
\pard\qj\li1418\ri1218\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex100 3.4.\ul0\
nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 It is clear from this ta
ble that, without additional measures, the inclusion of flood cover in all \up0
\expndtw0\charscalex102 home insurance policies would result in high insurance p
remiums for homes with a medium, high \up0 \expndtw0\charscalex100 and extreme r
isk of flood (to use the Insurance Council\u8217?s classifications), leading to
an affordability \up0 \expndtw-3\charscalex100 problem. Affordability may be tho
ught of in this context in two parts: \par\pard\ql \li1985\sb246\sl-253\slmult0\
tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226? \tab
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 Sharp price increases:
irrespective of the value offered, purchasers of most products or \par\pard\qj
\li2551\ri1235\sb0\sl-280\slmult0 \up0 \expndtw-1\charscalex100 services react a
gainst large or sharp increases in price and may decide not to purchase \up0 \ex
pndtw-2\charscalex100 the product or service. \par\pard\ql \li1418\sb0\sl-207\sl
mult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb52\sl-207\slm
ult0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 27 \tab
\up0 \expndtw-2\charscalex100 Insurance Council of Australia submission, p 14. \
par\pard\ql \li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \p
ar\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb132\sl-207\slmult0 \u
p0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs18 35
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g41}{\bkmkend Pg41}\par\pard\ql \li6128\sb0\sl-207\slmult0 \par\pard\ql\li6128\s
b0\sl-207\slmult0 \par\pard\ql\li6128\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 3: The affordability of flood insura
nce for homes \par\pard\qj \li1985\sb0\sl-260\slmult0 \par\pard\qj\li1985\ri1227
\sb230\sl-260\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 T
he perception of value and affordability in these cases is conditioned by the pr
ices that have \up0 \expndtw0\charscalex100 been paid in the past. Sharply highe
r prices are perceived as unfair or not worthwhile and so \up0 \expndtw-3\charsc
alex100 can be treated as unaffordable. \par\pard\ql \li1985\sb246\sl-253\slmult
0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226? \ta
b \up0 \expndtw0\charscalex103 \ul0\nosupersub\cf4\f5\fs22 High cost: high price
s for products or services, as distinct from high price increases, \par\pard\qj
\li2551\ri1224\sb2\sl-260\slmult0 \up0 \expndtw-3\charscalex100 naturally limit
demand as potential purchasers weigh up their choices on what to spend \up0 \exp
ndtw-4\charscalex100 their money on and what not to spend it on. \par\pard\qj \l
i1985\ri1207\sb240\sl-260\slmult0 \up0 \expndtw-3\charscalex100 It is instructiv
e here to compare typical home insurance premiums in cyclone-affected areas in \
line \up0 \expndtw-2\charscalex100 north Queensland with premiums in other areas
. In the north, homeowners pay premiums of \line \up0 \expndtw-3\charscalex100 $
1,500 to $2,000 to insure homes that are worth $300,000, whereas the same homes
in other \line \up0 \expndtw-2\charscalex100 parts of the county might require p
remiums of just $500 to $600. The levels of non-insurance \line \up0 \expndtw-3\
charscalex100 for homes in north Queensland are understood to be small, as they
are in the rest of Australia \line \up0 \expndtw-3\charscalex100 but, in the nor
th, homeowners have become accustomed to the higher prices, which of course \lin
e \up0 \expndtw-3\charscalex100 reflect the higher risk of wind and storm damage
in an area that is exposed to cyclones. \par\pard\qj \li1418\ri1229\sb240\sl-26
0\slmult0 \up0 \expndtw0\charscalex100 3.5.\ul0\nosupersub\cf11\f12\fs22 \ul0\n
osupersub\cf4\f5\fs22 In current circumstances, it is the topic of potential s
harp price increases for flood insurance \up0 \expndtw0\charscalex100 which is o
f more interest, because it is price increases that will be relevant if a transi
tion is to be \up0 \expndtw-4\charscalex100 made for many homeowners from no flo
od cover and no flood premium to full flood cover and some \up0 \expndtw-4\chars
calex100 additional premium for that cover. \par\pard\qj \li1418\ri1206\sb240\sl
-260\slmult0 \up0 \expndtw-3\charscalex100 3.6.\ul0\nosupersub\cf11\f12\fs22 \u
l0\nosupersub\cf4\f5\fs22 It is evident that, without measures to limit or all
eviate premium increases on the introduction \line \up0 \expndtw-3\charscalex100
of flood cover in all home policies, a high flood premium could lead some homeo
wners to opt-out of \line \up0 \expndtw-3\charscalex100 insurance altogether. Th
is would leave them exposed not only to the risk of flood but also to a range \l
ine \up0 \expndtw-3\charscalex100 of other risks. This is the affordability cons
traint referred to above: the goals of this Review would be \line \up0 \expndtw1\charscalex100 compromised if the introduction of flood cover in all home insur
ance policies had the effect, as the \line \up0 \expndtw-2\charscalex100 result
of additional premiums for flood cover, of increasing the levels of non-insuranc
e of homes. In \line \up0 \expndtw-3\charscalex100 other words, it is imperative
that premium increases on the introduction of flood cover be limited in \line \
up0 \expndtw-3\charscalex100 some way so that there is no material increase in l
evels of non-insurance during the transition. \par\pard\qj \li1418\ri1224\sb240\
sl-260\slmult0 \up0 \expndtw0\charscalex100 3.7.\ul0\nosupersub\cf11\f12\fs22 \
ul0\nosupersub\cf4\f5\fs22 The extent of any likely increase in non-insurance
as a result of price increases is difficult to \line \up0 \expndtw-2\charscalex1
00 determine. Existing research indicates that policyholders are generally toler
ant of some increases in \line \up0 \expndtw0\charscalex100 their home insurance

premiums and will absorb them rather than let their insurance lapse.\ul0\super\
cf26\f27\fs20 28\ul0\nosupersub\cf4\f5\fs22 The \line \up0 \expndtw-2\charscale
x100 home is the primary financial asset for many homeowners, who therefore valu
e highly the financial \line \up0 \expndtw-1\charscalex100 protection afforded b
y home insurance. Also, for those who have mortgages, the lenders typically \lin
e \up0 \expndtw-1\charscalex100 require the owners to maintain their insurance.
Letting home insurance lapse altogether would be \line \up0 \expndtw-2\charscale
x100 seen as undesirable by the typical homeowner. Nevertheless, there is a risk
that, if faced with large \line \up0 \expndtw-2\charscalex100 increases in home
insurance premiums, some homeowners would have little choice but to react by \l
ine \up0 \expndtw-1\charscalex100 not renewing their insurance policies. Hence t
he need for a system of premium discounts of some \line \up0 \expndtw-3\charscal
ex100 kind for homes exposed to flood risk. \par\pard\ql \li1418\sb0\sl-253\slmu
lt0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb40\sl-253\slmul
t0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf9\f10\fs28 P\ul0\nosupersub\c
f10\f11\fs22 REMIUM DISCOUNTS \par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\
qj\li1418\ri1228\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub
\cf4\f5\fs22 3.8.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Fo
r those 6.2 million homes without flood risk and for whom, therefore, there woul
d be no \line \up0 \expndtw-4\charscalex100 increase in insurance premiums for f
lood cover, the introduction of flood cover will have no effect on \line \up0 \e
xpndtw-1\charscalex100 levels of non insurance. For homes with a modest increase
in insurance premiums, the inclusion of \line \up0 \expndtw0\charscalex102 floo
d cover in their insurance policies would not be expected to lead to any materia
l increase in \line \up0 \expndtw0\charscalex102 non-insurance. It is for the ho
mes with larger increases in insurance premiums where premium \line \up0 \expndt
w0\charscalex100 discounts against the full cost of flood cover need to be cons
idered. While the demand for home \line \up0 \expndtw-2\charscalex100 insurance
is not particularly price sensitive, the size of the premium for those with a hi
gh risk of flood \par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb168\sl-20
7\slmult0\fi0\tx1985 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf27\f28\fs18
28\tab \up0 \expndtw0\charscalex100 Dr Richard Tooth and Dr George Barker, \u82
16?The Non-Insured: Who, Why and Trends\u8217?, Centre of Law and Economics,\par
\pard\li1418\sb55\sl-207\slmult0\fi566 \up0 \expndtw-1\charscalex100 for the Ins
urance Council of Australia, May 2007, p 12.
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g42}{\bkmkend Pg42}\par\pard\ql \li6128\sb0\sl-207\slmult0 \par\pard\ql\li6128\s
b0\sl-207\slmult0 \par\pard\ql\li6128\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 3: The affordability of flood insura
nce for homes \par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1238
\sb230\sl-260\slmult0 \up0 \expndtw0\charscalex104 \ul0\nosupersub\cf4\f5\fs22 c
ould be so large as to influence their decision about whether or not to continue
renewing their \up0 \expndtw-3\charscalex100 insurance. \par\pard\qj \li1418\ri
1224\sb240\sl-260\slmult0 \up0 \expndtw-1\charscalex100 3.9.\ul0\nosupersub\cf11
\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The Review Panel recommends premium dis
counts for high-risk homes, subject to a number of \up0 \expndtw0\charscalex108
eligibility criteria, in order to limit price increases and thereby prevent a ma
terial increase in \up0 \expndtw-2\charscalex100 non-insurance on the introducti
on of flood cover as an inclusion in all home insurance policies. These \up0 \ex

pndtw-3\charscalex100 eligibility criteria are discussed below. \par\pard\ql \li

1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb113\sl-253\slmult0 \up0 \expndtw-3
\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recommendation 4: \par\pard\ql \li1
526\sb127\sl-253\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs
22 That the following five principles underpin the design of a system of premium
discounts: \par\pard\ql \li1526\sb247\sl-253\slmult0 \up0 \expndtw-4\charscalex
100 \ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0\nosupersub\cf13\f14\fs20 \ul0\nos
upersub\cf4\f5\fs22 premiums should rise with the level of flood risk; \par\pa
rd\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb14\sl-253\slmult0 \up0 \e
xpndtw-3\charscalex100 \ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0\nosupersub\cf13
\f14\fs20 \ul0\nosupersub\cf4\f5\fs22 those whose homes do not face a flood r
isk should not pay a flood premium; \par\pard\ql \li1526\sb247\sl-253\slmult0 \u
p0 \expndtw-3\charscalex100 \ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0\nosupersub
\cf13\f14\fs20 \ul0\nosupersub\cf4\f5\fs22 there should be no cross subsidisa
tion of premiums between policyholders; \par\pard\ql \li1526\sb0\sl-253\slmult0
\par\pard\ql\li1526\sb14\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosup
ersub\cf21\f22\fs20 \u8226?\ul0\nosupersub\cf13\f14\fs20 \ul0\nosupersub\cf4\f5
\fs22 there should be some limitations on discounts to high-value homes; and \
par\pard\ql \li1526\sb247\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosu
persub\cf21\f22\fs20 \u8226?\ul0\nosupersub\cf13\f14\fs20 \ul0\nosupersub\cf4\f
5\fs22 the discount mechanism should be simple for policyholders and automated
for insurers. \par\pard\ql \li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb0\s
l-299\slmult0 \par\pard\ql\li1418\sb51\sl-299\slmult0 \up0 \expndtw-3\charscalex
100 \ul0\nosupersub\cf18\f19\fs26 \u8216?Affordability Threshold\u8217? \par\par
d\qj \li1418\ri1210\sb234\sl-260\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf4\f5\fs22 3.10.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs
22 To determine the premium discounts required to prevent a material increase in
non insurance, \up0 \expndtw-1\charscalex100 it is necessary to know what the f
ull flood premium would be and the premium beyond which there \up0 \expndtw0\cha
rscalex109 is a risk of an increase in non insurance. A critical issue is theref
ore what might be called an \up0 \expndtw-2\charscalex100 \u8216?affordability t
hreshold\u8217?: what is a reasonable maximum price to charge policyholders expo
sed to low \up0 \expndtw-2\charscalex100 and medium flood risk while ensuring th
ere is no material increase in non insurance? \par\pard\qj \li1418\ri1227\sb240\
sl-260\slmult0 \up0 \expndtw0\charscalex100 3.11.\ul0\nosupersub\cf11\f12\fs22
\ul0\nosupersub\cf4\f5\fs22 The premium discount would then be the difference be
tween the full flood premium and the \up0 \expndtw0\charscalex106 affordability
threshold. The size of the premium discounts would therefore be small for those
\up0 \expndtw0\charscalex100 policyholders who have a full flood premium below t
he affordability threshold and would be higher \up0 \expndtw-3\charscalex100 for
the homes with higher flood risk. \par\pard\qj \li1418\ri1231\sb240\sl-260\slmu
lt0 \up0 \expndtw-1\charscalex100 3.12.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosup
ersub\cf4\f5\fs22 The Review Panel\u8217?s consideration of what the affordabili
ty threshold should be is based on the \up0 \expndtw-3\charscalex100 weighing up
of a number of criteria: \par\pard\ql \li1985\sb246\sl-253\slmult0\tx2551 \up0
\expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226? \tab \up0 \expndt
w-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 the affordability threshold needs
to be such that, as far as possible, all policyholders pay \par\pard\qj \li2551\
ri1215\sb2\sl-260\slmult0 \up0 \expndtw-3\charscalex100 flood premiums that make
a meaningful contribution to the cost of flood cover for their \up0 \expndtw-3\
charscalex100 homes, in order that they accept some responsibility for their flo
od risk exposure; \par\pard\ql \li1985\sb246\sl-253\slmult0\tx2551 \up0 \expndtw
-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226? \tab \up0 \expndtw0\chars
calex100 \ul0\nosupersub\cf4\f5\fs22 it should interfere as little as possible w
ith the principle that the higher the flood risk, \par\pard\ql \li2551\sb7\sl-25
3\slmult0 \up0 \expndtw-3\charscalex100 the higher should be the discounted floo
d insurance premium; \par\pard\li1985\sb0\sl-253\slmult0\par\pard\li1985\sb3\sl253\slmult0\fi0\tx2551 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf20\f21\fs
22 \u8226?\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 it shoul
d restrict as little as possible the role that insurers play in providing both h

ome\par\pard\li1985\sb6\sl-253\slmult0\fi566 \up0 \expndtw-1\charscalex100 insur

ance generally and flood cover; and\par\pard\ql \li1985\sb239\sl-253\slmult0\tx2
551 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226? \tab \up
0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 it needs to be compatible
with the means by which the discounts are to be provided \par\pard\ql \li2551\sb
7\sl-253\slmult0 \up0 \expndtw-3\charscalex100 (which is the reinsurance facilit
y explained in Chapter 7). \par\pard\qj \li1418\ri1236\sb242\sl-260\slmult0 \up0
\expndtw-2\charscalex100 3.13.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf
4\f5\fs22 The judgement of the Review Panel is that an affordability threshold t
hat would balance these \line \up0 \expndtw-2\charscalex100 criteria, for a home
at the average value of $300,000 to $400,000 that generally attracts a premium
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
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b0\sl-207\slmult0 \par\pard\ql\li6128\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc

alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 3: The affordability of flood insura
nce for homes \par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1217
\sb230\sl-260\slmult0 \up0 \expndtw0\charscalex106 \ul0\nosupersub\cf4\f5\fs22 w
ithout flood cover in the region of $500 to $600 per annum, is around $200 per a
nnum. The \up0 \expndtw0\charscalex100 corresponding amount for contents (where
the average sum insured is in the region of $60,000 for \up0 \expndtw-2\charscal
ex100 which a typical premium is $250 to $300 per annum) would be around $100 pe
r annum. \par\pard\qj \li1418\ri1228\sb240\sl-260\slmult0 \up0 \expndtw0\charsca
lex102 3.14.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The impli
cations of an affordability threshold of $200 of flood risk premium for homes wi
th \up0 \expndtw-3\charscalex100 low to medium flood risk would be as follows: \
par\pard\ql \li1985\sb246\sl-253\slmult0\tx2551 \up0 \expndtw-3\charscalex100 \u
l0\nosupersub\cf20\f21\fs22 \u8226? \tab \up0 \expndtw-3\charscalex100 \ul0\nosu
persub\cf4\f5\fs22 of the 6.6 million homes in Australia, nearly 6.2 million or
all but 450,000 are not subject \par\pard\qj \li2551\ri1235\sb2\sl-260\slmult0 \
up0 \expndtw-2\charscalex100 to flood risk and therefore their owners should exp
ect to pay no additional premium to \up0 \expndtw-3\charscalex100 obtain flood c
over; \par\pard\li1985\sb0\sl-253\slmult0\par\pard\li1985\sb6\sl-253\slmult0\fi0
\tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab
\up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 of the 450,000 homes s
ubject to flood risk;\par\pard\qj \li2551\ri1227\sb229\sl-260\slmult0\tx2837 \up
0 \expndtw0\charscalex105 \ul0\nosupersub\cf20\f21\fs22 -\ul0\nosupersub\cf11\f1
2\fs22 \ul0\nosupersub\cf4\f5\fs22 about 100,000 should have a full flood pre
mium that is below the affordability \line\tab \up0 \expndtw-3\charscalex100 thr
eshold and so need no premium discounts; \par\pard\qj \li2551\ri1241\sb240\sl-26
0\slmult0\tx2837 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 -\u
l0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 about 200,000 should
be asked to pay no more than about $200 per annum for flood \line\tab \up0 \expn
dtw-4\charscalex100 cover; and \par\pard\ql \li2551\sb246\sl-253\slmult0 \up0 \e
xpndtw-4\charscalex100 \ul0\nosupersub\cf20\f21\fs22 -\ul0\nosupersub\cf11\f12\f
s22 \ul0\nosupersub\cf4\f5\fs22 the remaining 150,000 may need to be consider
ed differently. \par\pard\qj \li1418\ri1208\sb242\sl-260\slmult0 \up0 \expndtw-2
\charscalex100 3.15.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 F
or these remaining 150,000 homes, there are likely to be some 100,000 where the
flood risk \line \up0 \expndtw-2\charscalex100 is high but not extreme. If insur
ers were to underwrite them on the basis of a first loss of 3 per cent \line \up
0 \expndtw-2\charscalex100 (see explanation in Chapter 7), flood premiums would
probably range from around $250 to perhaps \line \up0 \expndtw-1\charscalex100 $
1,000 per annum. The recommended approach for these homes is to include them ini
tially in the \line \up0 \expndtw-3\charscalex100 system such that their home in
surance would include flood cover and eligible homes would receive a \line \up0
\expndtw-1\charscalex100 premium discount. Including them in the system is impor
tant to allow them to be identified and to \line \up0 \expndtw0\charscalex105 pr
ovide information on what their full flood premium would be. Once identified, th
ey can be \line \up0 \expndtw-2\charscalex100 assessed for flood risk mitigation
already in place and flood risk mitigation steps that might be taken. \par\pard
\qj \li1418\ri1210\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex106 3.16.\ul0\n
osupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The remaining estimated 50,
000 homes are likely to have extreme flood risk that flood \line \up0 \expndtw-2
\charscalex100 insurance premiums would be some thousands of dollars, even with
a premium discount. For many \line \up0 \expndtw0\charscalex100 of these homes t
he assessment may be that initiating risk mitigation measures is a more effectiv
e \line \up0 \expndtw-2\charscalex100 way to manage their flood risk than to con
tinue to make premium discounts available for them. It is \line \up0 \expndtw-2\
charscalex100 important that this assessment be undertaken as soon as possible t
o ensure that these homes can be \line \up0 \expndtw0\charscalex107 made more re
silient to flood, that any relevant State or local government initiatives can be
\line \up0 \expndtw-2\charscalex100 identified, and to avoid unnecessarily expo
sing the reinsurance facility, given the size of the premium \line \up0 \expndtw

-2\charscalex100 discounts that would be required to deliver an affordable premi

um for these homes. \par\pard\ql \li1418\sb246\sl-253\slmult0 \up0 \expndtw-3\ch
arscalex100 \ul0\nosupersub\cf16\f17\fs22 No cross-subsidies \par\pard\qj \li141
8\ri1214\sb242\sl-260\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\
f5\fs22 3.17.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 It is al
so important to note that the Review Panel believes that any discounts provided
to those \up0 \expndtw-2\charscalex100 at risk of flood should not result in cro
ss subsidies; that is, policyholders without a flood risk should \up0 \expndtw-2
\charscalex100 not be obliged to pay higher insurance premiums to subsidise thos
e at risk of flood. \par\pard\ql \li1418\sb246\sl-253\slmult0 \up0 \expndtw-3\ch
arscalex100 \ul0\nosupersub\cf16\f17\fs22 Incentives to reduce flood risk \par\p
ard\qj \li1418\ri1236\sb242\sl-260\slmult0 \up0 \expndtw0\charscalex100 \ul0\nos
upersub\cf4\f5\fs22 3.18.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\f
s22 A key consideration in designing a system of premium discounts for homes exp
osed to high \line \up0 \expndtw-2\charscalex100 flood risk is to ensure that pr
emium discounts do not provide a perverse incentive for more people \line \up0 \
expndtw-1\charscalex100 to live in flood prone areas. A risk-based flood premium
is a source of information on the extent of \line \up0 \expndtw-3\charscalex100
flood risk faced by a home. It can also provide an incentive for homeowners to
seek to mitigate their \line \up0 \expndtw0\charscalex106 flood risk. A high flo
od premium therefore provides an important signal to homeowners and \line \up0 \
expndtw-2\charscalex100 potential homeowners about the flood risks that they fac
e. The Review Panel considers it important \par\pard\sect\sectd\fs24\paperw11900
\paperh16820\pard\sb0\sl-240{\bkmkstart Pg44}{\bkmkend Pg44}\par\pard\ql \li6128
\sb0\sl-207\slmult0 \par\pard\ql\li6128\sb0\sl-207\slmult0 \par\pard\ql\li6128\s
b14\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs18 Cha
pter 3: The affordability of flood insurance for homes \par\pard\qj \li1418\sb0\
sl-260\slmult0 \par\pard\qj\li1418\ri1239\sb230\sl-260\slmult0 \up0 \expndtw0\ch
arscalex100 \ul0\nosupersub\cf4\f5\fs22 that, under a premium discount system, f
lood premiums still reflect, to some extent, relative flood \up0 \expndtw-3\char
scalex100 risk exposure. \par\pard\ql \li1418\sb246\sl-253\slmult0 \up0 \expndtw
-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Eligibility for discounts \u8212?
existing homes only \par\pard\qj \li1418\ri1204\sb242\sl-260\slmult0 \up0 \expn
dtw0\charscalex104 \ul0\nosupersub\cf4\f5\fs22 3.19.\ul0\nosupersub\cf11\f12\fs2
2 \ul0\nosupersub\cf4\f5\fs22 Ensuring that high flood risk results in high flo
od premiums can have a deterrent effect on \line \up0 \expndtw-2\charscalex100 h
omeowners moving into areas of high flood risk. Providing premium discounts for
homes in high risk \line \up0 \expndtw0\charscalex104 areas could, as a result,
have the unintended consequence of weakening the deterrent. Limiting \line \up0
\expndtw0\charscalex102 premium discounts to existing homes should, however, ens
ure that high flood premiums act as a \line \up0 \expndtw-2\charscalex100 disinc
entive for the building of new homes in areas of high flood risk. Further, if de
mand for homes in \line \up0 \expndtw0\charscalex100 flood-prone areas falls, so
may the demand from developers for further residential development in \line \up
0 \expndtw-3\charscalex100 these areas. \par\pard\qj \li1418\ri1230\sb240\sl-260
\slmult0 \up0 \expndtw-1\charscalex100 3.20.\ul0\nosupersub\cf11\f12\fs22 \ul0\
nosupersub\cf4\f5\fs22 The Review Panel therefore recommends that flood premium
discounts be provided in respect \up0 \expndtw-3\charscalex100 of existing homes
but not new homes. \par\pard\qj \li1418\ri1217\sb240\sl-260\slmult0 \up0 \expnd
tw0\charscalex100 3.21.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs2
2 There is also a \u8216?legacy\u8217? issue of people who live in high flood ri
sk areas but who moved there \up0 \expndtw0\charscalex100 before information on
the level of the flood risk was readily available. Information on flood risk has
\up0 \expndtw0\charscalex100 been available from the Brisbane City Council sinc
e 2005.\ul0\super\cf26\f27\fs20 29\ul0\nosupersub\cf4\f5\fs22 While flood insur
ance has also become \up0 \expndtw-2\charscalex100 more available since the mid
2000s, policyholders who have remained with insurers who do not offer \up0 \expn
dtw-2\charscalex100 flood cover may not have been made aware through higher insu
rance premiums that they had a high \up0 \expndtw-2\charscalex100 flood risk. Th
ere has also been extensive migration to south east Queensland in the past two d

ecades \up0 \expndtw0\charscalex100 and some people who moved there would have h
ad little or no local knowledge of past floods. It is \up0 \expndtw0\charscalex1
03 therefore not clear that those who live in high flood risk areas made an info
rmed and deliberate \up0 \expndtw-3\charscalex100 decision to accept a high prob
ability that they would be flooded. \par\pard\qj \li1418\ri1233\sb240\sl-260\slm
ult0 \up0 \expndtw-1\charscalex100 3.22.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosu
persub\cf4\f5\fs22 As a result, a legacy remains of people who purchased propert
ies in high flood risk areas when \up0 \expndtw0\charscalex100 information on fl
ood risk and insurance for flood risk was not available. It is fair that this le
gacy be \up0 \expndtw0\charscalex100 acknowledged and that members of this group
not be required to bear the full cost of ensuring that \up0 \expndtw-3\charscal
ex100 they can access flood insurance. \par\pard\qj \li1418\ri1238\sb240\sl-260\
slmult0 \up0 \expndtw-1\charscalex100 3.23.\ul0\nosupersub\cf11\f12\fs22 \ul0\n
osupersub\cf4\f5\fs22 Limiting premium discounts to existing properties, as reco
mmended above, would achieve this \up0 \expndtw-3\charscalex100 outcome. \par\pa
rd\ql \li1418\sb0\sl-230\slmult0 \par\pard\ql\li1418\sb15\sl-230\slmult0 \up0 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf33\f34\fs20 Duration of flood premium d
iscounts \par\pard\qj \li1418\ri1232\sb126\sl-260\slmult0 \up0 \expndtw0\charsca
lex103 \ul0\nosupersub\cf4\f5\fs22 3.24.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosu
persub\cf4\f5\fs22 An important question is whether flood premium discounts shou
ld persist indefinitely. The \line \up0 \expndtw0\charscalex100 Review Panel see
s the offering of premium discounts as being a necessary step in introducing flo
od \line \up0 \expndtw-1\charscalex100 cover in all home insurance policies. Onc
e introduced, however, it becomes possible to contemplate \line \up0 \expndtw0\c
harscalex100 an eventual move towards full \u8216?user pays\u8217? for flood ins
urance, whereby the discounts are ultimately \line \up0 \expndtw-3\charscalex100
phased out. \par\pard\qj \li1418\ri1236\sb240\sl-260\slmult0 \up0 \expndtw0\cha
rscalex100 3.25.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Provi
ding the maximum premium discount initially would dampen the financial impact of
the \line \up0 \expndtw-1\charscalex100 introduction of flood premiums. Phasing
out the premium discount gradually over time would allow \line \up0 \expndtw-1\
charscalex100 homeowners time to adjust to meeting the full cost of their flood
risk. While the Review Panel is not \line \up0 \expndtw-1\charscalex100 proposin
g a formula or scale for phasing out of premium discounts, it is likely that a p
eriod of up to \par\pard\ql \li1418\sb6\sl-253\slmult0 \up0 \expndtw-3\charscale
x100 20 years may be needed for some of the larger premium discounts. \par\pard\
qj \li1418\ri1236\sb242\sl-260\slmult0 \up0 \expndtw0\charscalex100 3.26.\ul0\no
supersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The Review Panel therefore r
ecommends that premium discounts phase out gradually so that \line \up0 \expndtw
-1\charscalex100 at the end of a period the full flood premium is payable. Some
homeowners would be able to reduce \line \up0 \expndtw0\charscalex100 their floo
d risk by making changes to their property or seeking to relocate to an area of
lower flood \line \up0 \expndtw-1\charscalex100 risk; others would have time to
make the necessary financial adjustments. This is consistent with the \par\pard\
li1418\sb0\sl-207\slmult0\par\pard\li1418\sb168\sl-207\slmult0\fi0\tx1985 \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf27\f28\fs18 29\tab \up0 \expndtw-1\cha
rscalex100 Lord Mayor\u8217?s Taskforce on Suburban Flooding, \u8216?Strategies
to reduce the effect of significant rain events on areas of\par\pard\li1418\sb55
\sl-207\slmult0\fi566 \up0 \expndtw-1\charscalex100 Brisbane prone to flooding\u
8217?, August 2005.
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g45}{\bkmkend Pg45}\par\pard\ql \li6128\sb0\sl-207\slmult0 \par\pard\ql\li6128\s
b0\sl-207\slmult0 \par\pard\ql\li6128\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 3: The affordability of flood insura
nce for homes \par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1221
\sb230\sl-260\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22
principle enshrined by COAG in its National Disaster Resilience Statement, which
states that \u8216?Disaster \up0 \expndtw0\charscalex102 resilience is based on
individuals taking their share of responsibility for preventing, preparing for,
\up0 \expndtw-3\charscalex100 responding to and recovering from disasters\u8217
?.\ul0\super\cf26\f27\fs20 30 \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\
ql\li1526\sb113\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf1
6\f17\fs22 Recommendation 5: \par\pard\ql \li1526\sb127\sl-253\slmult0 \up0 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That flood premium discounts be
provided for home building insurance for eligible homes: \par\pard\ql \li1526\s
b247\sl-253\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf21\f22\fs20
\u8226?\ul0\nosupersub\cf13\f14\fs20 \ul0\nosupersub\cf4\f5\fs22 the discount
s be assessed by reference to an \u8216?affordability threshold\u8217? for flood
premiums; \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb14\sl-2
53\slmult0 \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf21\f22\fs20 \u8226?\u
l0\nosupersub\cf13\f14\fs20 \ul0\nosupersub\cf4\f5\fs22 only existing homes w
ould be eligible for discounts; and \par\pard\ql \li1526\sb247\sl-253\slmult0 \u
p0 \expndtw-4\charscalex100 \ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0\nosupersub
\cf13\f14\fs20 \ul0\nosupersub\cf4\f5\fs22 discounts would be phased out grad
ually over time. \par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\sb0
\sl-260\slmult0 \par\pard\qj\li1418\ri1228\sb2\sl-260\slmult0 \up0 \expndtw0\cha
rscalex105 3.27.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The d
esign of the phasing out of the flood premium discounts needs, however, to avoid
\up0 \expndtw-3\charscalex100 undermining the affordability objective of the pr
emium discounts that there be no material increase \up0 \expndtw0\charscalex100
in levels of non-insurance. The phasing out therefore needs to have regard to th
e absolute size of \up0 \expndtw-3\charscalex100 premiums as well as the rates a
t which the premiums would increase from one year to the next. It is \up0 \expnd
tw0\charscalex100 also important to ensure that the phasing out arrangements do
not undermine incentives to take \up0 \expndtw-3\charscalex100 action to mitigat
e flood risk. \par\pard\qj \li1418\ri1209\sb240\sl-260\slmult0 \up0 \expndtw-2\c
harscalex100 3.28.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The
factors that affect the affordability of flood cover and the incentive and abil
ity to mitigate \line \up0 \expndtw0\charscalex108 flood risk will also change d
uring the phasing out period. For example, improved flood risk \line \up0 \expnd
tw0\charscalex100 measurement and making more information public as recommended
in Chapters 8 and 9 should \line \up0 \expndtw-3\charscalex100 improve flood ris
k awareness and influence mitigation. The insurance industry should also be able
to \line \up0 \expndtw-3\charscalex100 improve its understanding of flood risk
and its ability to offer more affordable flood cover. \par\pard\qj \li1418\ri122
9\sb240\sl-260\slmult0 \up0 \expndtw-2\charscalex100 3.29.\ul0\nosupersub\cf11\f
12\fs22 \ul0\nosupersub\cf4\f5\fs22 The Review Panel therefore is of the opinio
n that it is not appropriate to propose any formula \up0 \expndtw-2\charscalex10
0 for the phasing out of discounts at this time. Instead, the Review Panel recom
mends that the size of \up0 \expndtw0\charscalex106 the discounts and the length
of the transition period be reviewed periodically by the Agency \up0 \expndtw-2
\charscalex100 (recommended in Chapter 9). The review should assess the progress
of the discount system overall, \up0 \expndtw0\charscalex100 any discernible tr
ends in non-insurance and progress in the awareness and management of flood \up0
\expndtw0\charscalex106 risk. The review should make recommendations on whether
the size of the discount and the \up0 \expndtw-3\charscalex100 transition perio
d need to be reset. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\
sb113\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22
Recommendation 6: \par\pard\ql \li1526\sb127\sl-253\slmult0 \up0 \expndtw-2\cha

rscalex100 \ul0\nosupersub\cf4\f5\fs22 The levels of the discounts and the phasi

ng out periods be reviewed from time to time. \par\pard\ql \li1418\sb0\sl-253\sl
mult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb1\sl-253\slmu
lt0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Equity \par\pard
\qj \li1418\ri1235\sb242\sl-260\slmult0 \up0 \expndtw0\charscalex104 \ul0\nosupe
rsub\cf4\f5\fs22 3.30.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22
The Review Panel\u8217?s view is that the provision of premium discounts needs
to be limited in \line \up0 \expndtw0\charscalex100 some way. In modern Australi
a, some older homes have relatively low replacement values of, say, \line \up0 \
expndtw0\charscalex100 $100,000 and there are some that would cost $5 million to
replace. The average sum insured of all \line \up0 \expndtw0\charscalex110 insu
red homes in Australia is about $300,000 and the vast majority of homes would ha
ve a \line \up0 \expndtw0\charscalex104 replacement cost of less than $500,000.
To ensure fairness and also to recognise that owners of \line \up0 \expndtw0\cha
rscalex103 higher-value properties generally have a higher capacity to pay insur
ance premiums, the Review \line \up0 \expndtw0\charscalex100 Panel considers tha
t there should be some limitations on premium discounts for eligible high-value
\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\
li1418\sb0\sl-207\slmult0\par\pard\li1418\sb134\sl-207\slmult0\fi0\tx1985 \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf27\f28\fs18 30\tab \up0 \expndtw0\char
scalex100 COAG, National Disaster Resilience Statement, p. iii., {\field{\*\fldi
nst {HYPERLINK "http://www.coag.gov.au/coag_meeting_outcomes/2011-02-/" }}{\fldr
slt {\ul0\nosupersub\cf27\f28\fs18 http://www.coag.gov.au/coag_meeting_outcomes/
2011-02-}}}\par\pard\li1418\sb55\sl-207\slmult0\fi566 \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf27\f28\fs18 13/docs/national_strategy_disaster_resilience.
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89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
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{\shp {\*\shpinst\shpleft1418\shptop14765\shpright4299\shpbottom14785\shpfhdr0\s
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 2881}}{\sp{\sn geoBottom}{\sv 20}}
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g46}{\bkmkend Pg46}\par\pard\ql \li6128\sb0\sl-207\slmult0 \par\pard\ql\li6128\s
b0\sl-207\slmult0 \par\pard\ql\li6128\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 3: The affordability of flood insura
nce for homes \par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1231
\sb230\sl-260\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22
homes. The delivery of this outcome is considered in more detail as part of the
design of the system \up0 \expndtw-3\charscalex100 of discounts in Chapter 7. \p
ar\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb113\sl-253\slmult0 \
up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recommendation 7: \pa
r\pard\ql \li1526\sb127\sl-253\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupe

rsub\cf4\f5\fs22 That there be limitations on the size of the discount available

to high value homes. \par\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li141
8\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb21\sl-253\slmult0 \up0 \expndtw-3\cha
rscalex100 \ul0\nosupersub\cf16\f17\fs22 Simplicity \par\pard\qj \li1418\ri1220\
sb222\sl-260\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 3.
31. It is important for a scheme providing discounts to operate as simply as p
ossible and to take \up0 \expndtw0\charscalex102 into account that purchasing or
renewing insurance over the telephone or the internet is now the \up0 \expndtw1\charscalex100 method preferred by many policyholders. This requires that the i
nformation necessary to determine \up0 \expndtw0\charscalex104 the premium disco
unt be available to the insurer as part of the process of initiating or renewing
\up0 \expndtw0\charscalex103 insurance cover. Similarly, policyholders would ne
ed to receive their premium discounts directly \up0 \expndtw0\charscalex105 thro
ugh the premiums they pay to their insurers. There should be no requirement to e
ngage in \up0 \expndtw-3\charscalex100 separate processes or to involve other ag
encies. \par\pard\qj \li1418\ri1235\sb240\sl-260\slmult0 \up0 \expndtw0\charscal
ex109 3.32. The premium discount system recommended in Chapter 7 is designed t
o meet these \up0 \expndtw-3\charscalex100 simplicity criteria. \par\pard\ql \li
1418\sb0\sl-264\slmult0 \par\pard\ql\li1418\sb0\sl-264\slmult0 \par\pard\ql\li14
18\sb9\sl-264\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf9\f10\fs28
L\ul0\nosupersub\cf10\f11\fs22 OW\ul0\nosupersub\cf9\f10\fs28 -\ul0\nosupersub\
cf10\f11\fs22 INCOME EARNERS \par\pard\qj \li1418\ri1229\sb260\sl-260\slmult0 \u
p0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 3.31.\ul0\nosupersub\cf11
\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The Review Panel recognises that some hou
seholds on low and fixed incomes may face cash \up0 \expndtw0\charscalex100 flow
and affordability difficulties in paying additional premiums for flood insuranc
e and funding any \up0 \expndtw-3\charscalex100 flood mitigation measures. \par\
pard\qj \li1418\ri1211\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex102 The Rev
iew Panel considers in Chapter 11 some specific measures to address difficulties
faced by \up0 \expndtw0\charscalex100 policyholders in managing their cash flow
to maintain insurance generally, not only flood insurance. \up0 \expndtw0\chars
calex108 The Review Panel has not otherwise considered the capacity to pay direc
tly for those on low \up0 \expndtw0\charscalex100 incomes. Any such affordabilit
y questions for those on low incomes could be considered, however, \up0 \expndtw
0\charscalex108 directly by the Government if it saw fit to do so outside the pr
emium discount system being \up0 \expndtw-1\charscalex100 proposed by the Review
Panel. Any additional support for those with low incomes would necessarily \up0
\expndtw0\charscalex104 require information on income to be part of the
eligibility criteria. To impose this on the \up0 \expndtw-2\charscalex100
recommended system of premium discounts would undermine its simplicity.
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843

89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
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{\shp {\*\shpinst\shpleft1526\shptop2152\shpright10385\shpbottom2641\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz48\shplid2
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
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{\shp {\*\shpinst\shpleft1526\shptop2641\shpright10385\shpbottom3150\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz80\shplid3
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 509}}
{\sp{\sn pVerticies}{\sv 8;5;(1,509);(8859,509);(8859,0);(1,0);(1,509)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g47}{\bkmkend Pg47}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl
-240{\bkmkstart Pg48}{\bkmkend Pg48}\par\pard\ql \li1418\sb0\sl-356\slmult0 \par
\pard\ql\li1418\sb0\sl-356\slmult0 \par\pard\ql\li1418\sb0\sl-356\slmult0 \par\p
ard\ql\li1418\sb0\sl-356\slmult0 \par\pard\ql\li1418\sb141\sl-356\slmult0 \up0 \
expndtw0\charscalex99 \ul0\nosupersub\cf23\f24\fs36 Chapter 4.\ul0\nosupersub\cf
24\f25\fs36 \ul0\nosupersub\cf23\f24\fs36 F\ul0\nosupersub\cf25\f26\fs29 LOOD
INSURANCE FOR OTHER DWELLINGS \par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard
\qj\li1418\ri1232\sb104\sl-260\slmult0 \up0 \expndtw0\charscalex106 \ul0\nosuper
sub\cf4\f5\fs22 4.1.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22
There are numerous types of dwellings that function as homes beyond the convent
ional \line \up0 \expndtw-1\charscalex100 detached homes considered in Chapters
2 and 3. They include home units and other dwellings under \line \up0 \expndtw0\
charscalex100 a body corporate, company title or other similar arrangement. They
also include manufactured and \line \up0 \expndtw-3\charscalex100 mobile homes.
\par\pard\ql \li1418\sb246\sl-253\slmult0 \up0 \expndtw-3\charscalex100 Home un
its and other multiple-dwelling complexes \par\pard\qj \li1418\ri1210\sb242\sl-2
60\slmult0 \up0 \expndtw0\charscalex100 4.2.\ul0\nosupersub\cf11\f12\fs22 \ul0\
nosupersub\cf4\f5\fs22 Home units and other dwellings under a body corporate o
r similar arrangement are buildings \up0 \expndtw0\charscalex106 or collections
of buildings where individuals each own a portion (a lot) but where there is als
o \up0 \expndtw-1\charscalex100 common property (for example, external walls, wi
ndows, roofs, driveways, etc.) of which ownership \up0 \expndtw0\charscalex100 i
s shared. They can take a number of forms, from duplexes to gated communities to
small and large \up0 \expndtw0\charscalex105 apartment buildings. They can incl
ude mixed-use properties that contain both commercial and \up0 \expndtw-2\charsc
alex100 residential units. They can also include aged care facilities and retire
ment villages. \par\pard\qj \li1418\ri1233\sb240\sl-260\slmult0 \up0 \expndtw0\c
harscalex102 4.3.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Th
e National Community Titles Association has indicated to the Review Panel that,
based on \line \up0 \expndtw-1\charscalex100 Census figures, 22.5 per cent of ho
useholds live in properties managed by bodies corporate, owners\u8217? \line \up
0 \expndtw0\charscalex104 corporations, etc. and the proportion is growing. \ul0

\super\cf26\f27\fs20 31\ul0\nosupersub\cf4\f5\fs22 These properties are governe

d by State and \line \up0 \expndtw-1\charscalex100 Territory legislation which r
equires bodies corporate to take out insurance for their properties. None \line
\up0 \expndtw-1\charscalex100 of this legislation, however, explicitly requires
bodies corporate to take out insurance to cover flood \line \up0 \expndtw-3\char
scalex100 damage. \par\pard\qj \li1418\ri1230\sb240\sl-260\slmult0 \up0 \expndtw
0\charscalex103 4.4.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22
A company title residential property is a building and land owned by a company
registered \line \up0 \expndtw-1\charscalex100 under the \ul0\nosupersub\cf19\f2
0\fs22 Corporations Act 2001\ul0\nosupersub\cf4\f5\fs22 . Most of these properti
es are in the nature of apartment buildings. \line \up0 \expndtw0\charscalex100
Through owning a set number of shares in the company, shareholders obtain the ri
ght to occupy a \line \up0 \expndtw-2\charscalex100 defined area in the company\
u8217?s building and to use common areas. The need for insurance follows the \li
ne \up0 \expndtw0\charscalex106 legislative obligation and is either mandated in
the company\u8217?s articles of association or occurs \line \up0 \expndtw-1\cha
rscalex100 through governance processes where the onus is on the company directo
rs to uphold their fiduciary \line \up0 \expndtw-3\charscalex100 duties to share
holders. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx4630 \up0 \expndtw0\charsca
lex107 4.5.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 All of t
hese arrangements \tab \up0 \expndtw0\charscalex106 \u8212? bodies corporate, ow
ner\u8217?s corporations and other similar \par\pard\qj \li1418\ri1219\sb2\sl-26
0\slmult0 \up0 \expndtw0\charscalex102 arrangements \u8212? fulfil a similar pur
pose; that is, to assign property rights for residential purposes \up0 \expndtw0
\charscalex102 over what are essentially shared assets. Each of the individuals
represented under the residential \up0 \expndtw0\charscalex103 portions of these
arrangements is the owner of a form of home and thus has a similar interest in
\up0 \expndtw0\charscalex105 protecting the property as the owners of traditiona
l detached homes. These arrangements are \up0 \expndtw-3\charscalex100 therefore
considered together for the purposes of the Review. \par\pard\ql \li1418\sb0\sl
-299\slmult0 \par\pard\ql\li1418\sb69\sl-299\slmult0 \up0 \expndtw-3\charscalex1
00 \ul0\nosupersub\cf18\f19\fs26 The body corporate insurance market \par\pard\q
j \li1418\ri1238\sb234\sl-260\slmult0 \up0 \expndtw0\charscalex109 \ul0\nosupers
ub\cf4\f5\fs22 4.6.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22
The insurance market for strata title properties is different from the market fo
r home \line \up0 \expndtw0\charscalex100 insurance. It is a specialist market b
ecause, while the owners of strata units have similar insurance \line \up0 \expn
dtw0\charscalex100 needs to homeowners, the insurance characteristics of strata
properties are different. For example, \line \up0 \expndtw-1\charscalex100 apart
ment buildings and particularly the larger multi-storey ones have many of the ch
aracteristics of \line \up0 \expndtw0\charscalex107 office blocks, with a range
of construction features and requirements \up0 \expndtw0\charscalex104 (stairs,
lifts, plumbing, \par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\
slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb75\sl-207\slmult0\f
i0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 31\tab \up
0 \expndtw-2\charscalex100 National Community Titles Institute submission,\par\p
ard\qj \li1985\ri1324\sb0\sl-260\slmult0 \up0 \expndtw-1\charscalex100 {\field{\
*\fldinst {HYPERLINK "http://www.ndir.gov.au/content/submissions/issues_paper_su
bmissions/National_Communities_Titles_Institute_sub.pdf" }}{\fldrslt {\ul0\nosup
ersub\cf27\f28\fs18 http://www.ndir.gov.au/content/submissions/issues_paper_subm
issions/National_Communities_Titles_Institute_s}}} \line \up0 \expndtw-2\charsca
lex100 {\field{\*\fldinst {HYPERLINK "http://www.ndir.gov.au/content/submissions
/issues_paper_submissions/National_Communities_Titles_Institute_sub.pdf" }}{\fld
rslt {\ul0\nosupersub\cf27\f28\fs18 ub.pdf}}} \par\pard\ql \li5855\sb0\sl-207\sl
mult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmu
lt0 \par\pard\ql\li5855\sb121\sl-207\slmult0 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf6\f7\fs18 43
{\shp {\*\shpinst\shpleft1418\shptop14265\shpright4299\shpbottom14285\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz463\shplid0

{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{

\sn geoRight}{\sv 2881}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(2881,20);(2881,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g49}{\bkmkend Pg49}\par\pard\ql \li6913\sb0\sl-207\slmult0 \par\pard\ql\li6913\s
b0\sl-207\slmult0 \par\pard\ql\li6913\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 4: Flood insurance for other dwellin
gs \par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1213\sb230\sl-2
60\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 electrical,
basements, etc.) that do not exist in most homes. There are also specialist requ
irements \up0 \expndtw-2\charscalex100 on fire safety and other matters arising
from the legislative requirements. \par\pard\qj \li1418\ri1227\sb240\sl-260\slmu
lt0 \up0 \expndtw0\charscalex103 4.7.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosuper
sub\cf4\f5\fs22 The physical characteristics of some strata title properties a
re different to homes and small \up0 \expndtw0\charscalex103 businesses, with th
e nature of flood damage likely to be different due to the risk exposure being \
up0 \expndtw0\charscalex106 located below ground (for example damage to electric
al rooms and lifts). This risk needs to be \up0 \expndtw-3\charscalex100 factore
d into insurance premiums. \par\pard\qj \li1418\ri1234\sb240\sl-260\slmult0 \up0
\expndtw0\charscalex103 4.8.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\
f5\fs22 For these reasons, strata title insurance is something of a hybrid bet
ween commercial lines \line \up0 \expndtw0\charscalex103 and personal lines insu
rance. The ultimate users of the insurance are the individual unit owners. \line
\up0 \expndtw0\charscalex100 However, the nature of the cover needed is essenti
ally commercial insurance and, except for many \line \up0 \expndtw0\charscalex10
3 duplexes and smaller apartment blocks, it is usually recommended and arranged
by professional \line \up0 \expndtw0\charscalex100 strata property managers who
are being serviced by commercial insurers, either directly or through \line \up0
\expndtw-3\charscalex100 brokers. \par\pard\qj \li1418\ri1226\sb240\sl-260\slmu
lt0 \up0 \expndtw0\charscalex102 4.9.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosuper
sub\cf4\f5\fs22 There are fewer insurers who provide insurance for home units
than for homes. Each of the \up0 \expndtw0\charscalex100 two largest insurers in
the field operates through an underwriting agency and both have developed \up0
\expndtw0\charscalex104 considerable expertise in this field. This small field o
f just two strong players can lead to limited \up0 \expndtw0\charscalex100 compe
tition in some areas, for example in north Queensland, where cyclone risk limits
the number \up0 \expndtw0\charscalex104 of market participants. Further, the si
gnificant sums insured for some home unit properties can \up0 \expndtw0\charscal
ex107 represent large accumulations and concentrations of risk for insurers, lea
ding to questions of \up0 \expndtw-3\charscalex100 insurance and reinsurance cap
acity. \par\pard\ql \li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb69\sl-299\s
lmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf18\f19\fs26 The availabil
ity of flood insurance \par\pard\qj \li1418\ri1231\sb234\sl-260\slmult0 \up0 \ex
pndtw0\charscalex102 \ul0\nosupersub\cf4\f5\fs22 4.10.\ul0\nosupersub\cf11\f12\f
s22 \ul0\nosupersub\cf4\f5\fs22 As with home insurance policies, policies cover
ing home units typically do not include flood \up0 \expndtw0\charscalex100 cover
. No insurers currently offer flood insurance as standard for home units. Should
an individual \up0 \expndtw0\charscalex109 body corporate request flood insuran
ce, the insurer assesses this case by case. As for home \up0 \expndtw-1\charscal
ex100 insurance, however, home unit insurers provide insurance for all other nat
ural disasters as standard, \up0 \expndtw-2\charscalex100 except actions of the
sea. \par\pard\qj \li1418\ri1215\sb240\sl-260\slmult0 \up0 \expndtw-1\charscalex
100 4.11.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The lack of
flood cover for home units had a significant impact during the floods of 2010-11
, as \up0 \expndtw0\charscalex108 explained in submissions to the Review by seve

ral affected residents of home units. Industry \up0 \expndtw0\charscalex100 esti

mates indicate that around 400 properties managed by bodies corporate were direc
tly affected \up0 \expndtw-3\charscalex100 by the floods and very few of these,
if any, had flood insurance.\ul0\super\cf26\f27\fs20 32 \par\pard\qj \li1418\ri1
223\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs2
2 4.12.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The implicatio
ns of a lack of flood insurance for the owners of home units are the same as for
\up0 \expndtw0\charscalex100 the owners of detached homes. The owners of home u
nits are financially exposed in the event of a \up0 \expndtw0\charscalex103 floo
d. The determination of a claim can also be delayed where the cause of damage is
uncertain, \up0 \expndtw-2\charscalex100 which leaves the owners of these home
units in limbo, just as for homes. Since home units form such \up0 \expndtw0\cha
rscalex104 a large part of the housing stock, the lack of flood cover for home u
nits affected the community \up0 \expndtw-3\charscalex100 substantially, as it d
id for detached homes. \par\pard\qj \li1418\ri1236\sb238\sl-263\slmult0 \up0 \ex
pndtw0\charscalex105 4.13.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\
fs22 Given that home units are peoples\u8217? homes, the arguments applicable to
detached homes \line \up0 \expndtw0\charscalex106 presented in Chapter 2 apply
equally to home units, whether strata title or company title, and \line \up0 \ex
pndtw0\charscalex100 notwithstanding that the insurance industry treats body cor
porate insurance as commercial rather \line \up0 \expndtw-1\charscalex100 than p
ersonal insurance. The Review Panel considers, therefore, that insurance for the
se properties, \line \up0 \expndtw0\charscalex100 where they are residents\u8217
? homes and where the resident is responsible for any repairs or rebuilding \lin
e \up0 \expndtw0\charscalex103 following damage, should be treated equivalently
to insurance for other homes. Unless they are \line \up0 \expndtw-1\charscalex10
0 treated equivalently, a significant part of the community will remain subject
to the issues that arose \par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0
\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb176\sl-207\
slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 3
2\tab \up0 \expndtw-2\charscalex100 Ibid.
{\shp {\*\shpinst\shpleft1418\shptop15026\shpright4299\shpbottom15046\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz422\shplid0
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn pVerticies}{\sv 8;5;(0,20);(2881,20);(2881,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g50}{\bkmkend Pg50}\par\pard\ql \li6913\sb0\sl-207\slmult0 \par\pard\ql\li6913\s
b0\sl-207\slmult0 \par\pard\ql\li6913\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 4: Flood insurance for other dwellin
gs \par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1231\sb230\sl-2
60\slmult0 \up0 \expndtw0\charscalex105 \ul0\nosupersub\cf4\f5\fs22 in the flood
s of 2010-11. In order to address these issues, all body corporate insurance pol
icies \up0 \expndtw-3\charscalex100 should include flood cover. \par\pard\qj \li
1418\ri1229\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex100 4.14.\ul0\nosupers
ub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Mixed-use properties in major citi
es are predominantly residential by floor area.\ul0\super\cf26\f27\fs20 33\ul0\n
osupersub\cf4\f5\fs22 Therefore, \up0 \expndtw-2\charscalex100 mixed-use proper
ties should be treated equivalently to home units and other dwellings under a bo
dy \up0 \expndtw-3\charscalex100 corporate arrangement. \par\pard\qj \li1418\ri1
235\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex104 4.15.\ul0\nosupersub\cf11\
f12\fs22 \ul0\nosupersub\cf4\f5\fs22 As with homes, flood cover need only apply
to those items covered by the body corporate \up0 \expndtw-3\charscalex100 insu
rance policy. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb113\

sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recom

mendation 8: \par\pard\ql \li1526\sb127\sl-253\slmult0 \up0 \expndtw-2\charscale
x100 \ul0\nosupersub\cf4\f5\fs22 That all home unit insurance policies include f
lood cover, in the same manner as for homes. \par\pard\ql \li1418\sb0\sl-299\slm
ult0 \par\pard\ql\li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb31\sl-299\slmu
lt0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf18\f19\fs26 The affordabilit
y of flood insurance \par\pard\qj \li1418\ri1232\sb254\sl-260\slmult0 \up0 \expn
dtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 4.16.\ul0\nosupersub\cf11\f12\fs2
2 \ul0\nosupersub\cf4\f5\fs22 As with homes, the inclusion of flood cover in al
l home unit insurance policies would result in \line \up0 \expndtw0\charscalex10
5 an increase in insurance premiums for those at risk of flood. For those at hig
h risk of flood, the \line \up0 \expndtw0\charscalex100 impact could be substant
ial. In many apartment buildings, services essential to the whole building, \lin
e \up0 \expndtw-2\charscalex100 such as electrical facilities and lift motors, a
re located at or below ground level, exposing them to the \line \up0 \expndtw0\c
harscalex100 risk of damage due to flood. The risk of damage to these items due
to flood would flow through to \line \up0 \expndtw-1\charscalex100 the insurance
premium for the whole property, even though none of the residences themselves m
ay \line \up0 \expndtw-2\charscalex100 be at risk of flooding. \par\pard\qj \li1
418\ri1228\sb240\sl-260\slmult0 \up0 \expndtw-1\charscalex100 4.17.\ul0\nosupers
ub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Despite these potentially high pre
miums, the impact on non-insurance of the inclusion of flood \up0 \expndtw0\char
scalex107 insurance in all home unit insurance policies is likely to be offset b
y the compulsory nature of \up0 \expndtw-1\charscalex100 insurance for home unit
s. Indeed, given that bodies corporate are required under State laws to have \up
0 \expndtw0\charscalex109 building insurance, there would appear to be little ri
sk of non-insurance in the face of even \up0 \expndtw-3\charscalex100 significan
t rises in premiums. \par\pard\qj \li1418\ri1213\sb240\sl-260\slmult0 \up0 \expn
dtw0\charscalex107 4.18.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs
22 Nevertheless, Strata Community Australia Ltd has advised that \u8216?Non-comp
liance is also, \up0 \expndtw0\charscalex102 anecdotally, a significant issue
across Australia for smaller self-managed buildings\u8217? and that \up
0 \expndtw0\charscalex100 \u8216?Enforcement is at best spasmodic and reactive\u
8217?.\ul0\super\cf26\f27\fs20 34\ul0\nosupersub\cf4\f5\fs22 This suggests that
non-insurance could still be an \up0 \expndtw0\charscalex100 issue for many sma
ller bodies corporate if its owners were exposed to large premium increases to \
up0 \expndtw0\charscalex108 cover flood risk. It would also seem inequitable for
owners of homes to receive affordability \up0 \expndtw-2\charscalex100 discount
s but for owners of home units not to receive any such discounts. \par\pard\qj \
li1418\ri1219\sb240\sl-260\slmult0 \up0 \expndtw-1\charscalex100 4.19.\ul0\nosup
ersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The Review Panel considers, the
refore, that discounts should be provided, in the same manner \up0 \expndtw-3\ch
arscalex100 as for homes, to the bodies corporate of eligible home units. \par\p
ard\qj \li1418\ri1211\sb240\sl-260\slmult0 \up0 \expndtw-1\charscalex100 4.20.\u
l0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Insurance policies for
home units apply to, and are paid by, the body corporate as a whole. The \line \
up0 \expndtw0\charscalex105 discounts would therefore need to apply to the body
corporate as a whole. In order to provide \line \up0 \expndtw-1\charscalex100 di
scounts on an equivalent basis to homes, discounts should be provided to the bod
y corporate such \line \up0 \expndtw-2\charscalex100 that the discount per home
unit is equal to the discount that would apply to an equivalent home. The \line
\up0 \expndtw0\charscalex103 same principles that apply to the Review Panel\u821
7?s recommendations for homes apply to those for \line \up0 \expndtw-3\charscale
x100 home units. \par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\
slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\pa
r\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb80\sl-207\slmult0\fi0\tx1985
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 33\tab \up0 \expndtw
-2\charscalex100 Unpublished Finity Consulting report to the ARPC.\par\pard\li14
18\sb55\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 34\tab \up0 \exp
ndtw-2\charscalex100 Strata Community Australia submission, p 5.

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{\shp {\*\shpinst\shpleft1526\shptop4421\shpright10385\shpbottom4931\shpfhdr0\sh
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{\shp {\*\shpinst\shpleft1418\shptop14525\shpright4299\shpbottom14545\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz556\shplid4
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P

g51}{\bkmkend Pg51}\par\pard\ql \li6913\sb0\sl-207\slmult0 \par\pard\ql\li6913\s

b0\sl-207\slmult0 \par\pard\ql\li6913\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 4: Flood insurance for other dwellin
gs \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult
0 \par\pard\ql\li1526\sb129\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf16\f17\fs22 Recommendation 9: \par\pard\qj \li1526\ri1320\sb122\sl-26
0\slmult0 \up0 \expndtw0\charscalex106 \ul0\nosupersub\cf4\f5\fs22 That flood pr
emium discounts be provided, in the same manner as for homes, to the bodies \up0
\expndtw-2\charscalex100 corporate of eligible properties, and on the same basi
s as for detached homes. \par\pard\ql \li1418\sb0\sl-322\slmult0 \par\pard\ql\li
1418\sb0\sl-322\slmult0 \par\pard\ql\li1418\sb105\sl-322\slmult0 \up0 \expndtw-4
\charscalex100 \ul0\nosupersub\cf9\f10\fs28 MANUFACTURED\ul0\nosupersub\cf10\f11
\fs22 \ul0\nosupersub\cf9\f10\fs28 HOMES,\ul0\nosupersub\cf10\f11\fs22 \ul0\no
supersub\cf9\f10\fs28 MOBILE\ul0\nosupersub\cf10\f11\fs22 \ul0\nosupersub\cf9\f
10\fs28 HOMES\ul0\nosupersub\cf10\f11\fs22 \ul0\nosupersub\cf9\f10\fs28 AND\ul0
\nosupersub\cf10\f11\fs22 \ul0\nosupersub\cf9\f10\fs28 CARAVANS \par\pard\qj \l
i1418\ri1233\sb250\sl-260\slmult0 \up0 \expndtw0\charscalex103 \ul0\nosupersub\c
f4\f5\fs22 4.21.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 For
some people, a manufactured home, mobile home or caravan is their res
idence. \line \up0 \expndtw0\charscalex100 Manufactured and mobile homes are bui
lt off-site and transported to the property, often within a \line \up0 \expndtw0
\charscalex102 caravan park or similar. The home is of course the property of th
e owner but the owner rents the \line \up0 \expndtw0\charscalex103 site. The sit
e owner provides various communal facilities for the use of the homeowners. Simi
lar \line \up0 \expndtw0\charscalex100 arrangements apply for caravans, though t
hey are typically genuinely mobile whereas some mobile \line \up0 \expndtw0\char
scalex102 homes are commonly and more accurately described as \u8216?stationary
mobile homes\u8217?. Homeowners \line \up0 \expndtw0\charscalex100 can, in some
cases, take out home and contents insurance and in many instances they are requi
red \line \up0 \expndtw0\charscalex106 by the property owner to take out home bu
ilding or contents insurance to have public liability \line \up0 \expndtw0\chars
calex100 insurance cover. The property owners usually take out insurance for the
communal facilities. These \line \up0 \expndtw0\charscalex100 properties are of
ten located near rivers or low-lying areas, making them particularly susceptible
to \line \up0 \expndtw-3\charscalex100 flood. \par\pard\qj \li1418\ri1226\sb240
\sl-260\slmult0 \up0 \expndtw0\charscalex103 4.22.\ul0\nosupersub\cf11\f12\fs22
\ul0\nosupersub\cf4\f5\fs22 Notwithstanding ambiguities with regard to the defi
nition of manufactured homes, mobile \line \up0 \expndtw0\charscalex104 homes an
d caravans, as well as their susceptibility in many cases to flood risk, the Rev
iew Panel \line \up0 \expndtw0\charscalex100 considers that, since they are a fo
rm of home, they should be treated equivalently to other homes. \line \up0 \expn
dtw0\charscalex106 To apply the recommended arrangements, including flood cove
r and premium discounts, to \line \up0 \expndtw0\charscalex100 detached homes
and home units, but not to these other forms of homes would be inequitable. The
\line \up0 \expndtw-2\charscalex100 issues that arose during the floods of 201011 for detached homes and home units applied equally to \line \up0 \expndtw-3\ch
arscalex100 these other forms of homes. \par\pard\qj \li1418\ri1210\sb240\sl-260
\slmult0 \up0 \expndtw0\charscalex105 4.23.\ul0\nosupersub\cf11\f12\fs22 \ul0\n
osupersub\cf4\f5\fs22 The arguments in favour of both the inclusion of flood cov
er in insurance policies and the \up0 \expndtw-2\charscalex100 provision of disc
ounts for more traditional detached homes therefore apply equally to manufacture
d \up0 \expndtw0\charscalex103 and mobile homes. Given, however, the diverse nat
ure of many of these \u8216?non-standard\u8217? types of \up0 \expndtw0\charscal
ex100 home and a need to minimise definitional problems, there is a simple pract
ical solution: to define a \up0 \expndtw-2\charscalex100 home as a dwelling for
which the owner can purchase a home insurance policy. \par\pard\qj \li1418\ri120
3\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex105 4.24.\ul0\nosupersub\cf11\f1
2\fs22 \ul0\nosupersub\cf4\f5\fs22 On this basis, the Review Panel\u8217?s reco
mmendations for homes give practical effect to this \line \up0 \expndtw0\charsca
lex103 definition by being applicable to all dwellings for which an insurer will

provide a home insurance \line \up0 \expndtw0\charscalex100 policy. This approa

ch ensures that these types of homes, if insured under a home insurance policy,
\line \up0 \expndtw0\charscalex100 will have flood cover and access to flood pre
mium discounts. As such, provided that the owner of a \line \up0 \expndtw-1\char
scalex100 manufactured home, mobile home, caravan, or any other form of home for
that matter, purchases a \line \up0 \expndtw-1\charscalex100 home insurance pol
icy, then the Review Panel\u8217?s recommendations for homes would apply to them
. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb113\sl-253\slmul
t0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recommendation 10
: \par\pard\qj \li1526\ri1325\sb122\sl-260\slmult0 \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf4\f5\fs22 That the definition of a home for the purposes of f
lood cover and flood premium discounts be any \up0 \expndtw-3\charscalex100 buil
ding for which a homeowner purchases a home insurance policy. \par\pard\ql \li15
26\ri1337\sb252\sl-270\slmult0\tx1810\tx1810 \up0 \expndtw0\charscalex105 \ul0\n
osupersub\cf21\f22\fs20 \u8226?\ul0\nosupersub\cf13\f14\fs20 \ul0\nosupersub\cf
4\f5\fs22 This definition ensures that the Review Panel\u8217?s recomme
ndations would apply to all \line\tab \up0 \expndtw-1\charscalex100 \u8216?n
on-standard\u8217? types of homes such as manufactured homes and mobile homes in
sured under \line\tab \up0 \expndtw-3\charscalex100 a home buildings insurance p
olicy.
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g52}{\bkmkend Pg52}\par\pard\ql \li1418\sb0\sl-356\slmult0 \par\pard\ql\li1418\s
b0\sl-356\slmult0 \par\pard\ql\li1418\sb0\sl-356\slmult0 \par\pard\ql\li1418\sb0
\sl-356\slmult0 \par\pard\ql\li1418\sb141\sl-356\slmult0 \up0 \expndtw0\charscal
ex99 \ul0\nosupersub\cf23\f24\fs36 Chapter 5.\ul0\nosupersub\cf24\f25\fs36 \ul0

\nosupersub\cf23\f24\fs36 F\ul0\nosupersub\cf25\f26\fs29 LOOD INSURANCE FOR HO

ME CONTENTS \par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1233\s
b104\sl-260\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 5.
1.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Given the Review
Panel\u8217?s recommendations that flood cover be included in all home insurance
\line \up0 \expndtw0\charscalex104 policies and that discounts be provided for
eligible homes, there is a question of whether these \line \up0 \expndtw-1\chars
calex100 arrangements should be extended to cover home contents insurance polici
es. This question requires \line \up0 \expndtw-1\charscalex100 consideration of
the community need for contents insurance cover for flood as well as its availab
ility \line \up0 \expndtw-3\charscalex100 and affordability. \par\pard\ql \li141
8\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\
sb40\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf9\f10\fs28 A
\ul0\nosupersub\cf10\f11\fs22 VAILABILITY \par\pard\qj \li1418\ri1216\sb242\sl-2
60\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 5.2.\ul0\no
supersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 It was recommended in Chap
ter 2 that all home insurance policies include flood cover in order \up0 \expndt
w0\charscalex102 to address the community need for flood insurance. The experien
ce of the floods of 2010-11 was \up0 \expndtw0\charscalex104 that limited flood
cover for homes had resulted in financial stress, delays and disputes that had \
up0 \expndtw-3\charscalex100 undermined the ability of individuals and the commu
nity to recover. \par\pard\qj \li1418\ri1228\sb240\sl-261\slmult0 \up0 \expndtw0
\charscalex100 5.3.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22
The logic that drew the Review Panel to conclude that flood cover needs to be in
cluded in all \line \up0 \expndtw0\charscalex108 home insurance policies also ho
lds for contents insurance, albeit to a lesser extent for many \line \up0 \expnd
tw0\charscalex104 policyholders. The loss of contents does not, for all policyho
lders, entail the significant financial \line \up0 \expndtw0\charscalex100 conse
quences that can arise from the loss of a home. While some low-value personal it
ems such as \line \up0 \expndtw-1\charscalex100 basic clothing and food are vita
l to the immediate recovery from flood, these items are fairly readily \line \up
0 \expndtw0\charscalex103 replaceable and their loss is unlikely to have an impa
ct on the individual\u8217?s longer-term recovery. \line \up0 \expndtw0\charscal
ex100 Higher-value personal items, which can include, furniture, white goods and
electronics and a wide \line \up0 \expndtw-1\charscalex100 range of other perso
nal and household items, may be less important to the immediate recovery but \li
ne \up0 \expndtw0\charscalex104 also less easily replaced without financial
assistance. Nevertheless, the loss of even these \line \up0 \expndtw0\ch
arscalex100 higher-value items is unlikely to have the impact on the individual\
u8217?s longer-term recovery that the \line \up0 \expndtw0\charscalex100 loss of
the home would. By contrast, however, for those on low incomes, and tenants in
particular, \line \up0 \expndtw0\charscalex100 the contents can be their primary
assets: without the financial resources to replace these assets in \line \up0 \
expndtw0\charscalex102 the event of a flood, they could face serious financial h
ardship akin to that faced by homeowners \line \up0 \expndtw-3\charscalex100 who
have lost their homes. \par\pard\qj \li1418\ri1208\sb220\sl-260\slmult0 \up0 \e
xpndtw0\charscalex107 5.4.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\
fs22 Contents are also easier to protect in the event of a flood. Many items s
uch as clothing, \up0 \expndtw-2\charscalex100 electronics and other small perso
nal items are readily movable in the event of a flood. During a flood, \up0 \exp
ndtw0\charscalex100 those affected are often given sufficient notice to move the
se items out of harm\u8217?s way. During the \up0 \expndtw0\charscalex107 Queens
land floods earlier this year, for example, it was common for people to move ite
ms of \up0 \expndtw-1\charscalex100 contents upstairs or out of the house to pre
vent them from being damaged. For larger items such as \up0 \expndtw0\charscalex
103 refrigerators the opportunities for this kind of mitigation are more limited
. The financial costs of \up0 \expndtw-2\charscalex100 flood damage are likely,
therefore, to be mostly concentrated on these less movable items. It is these \u
p0 \expndtw-3\charscalex100 items for which contents insurance is most important
. \par\pard\qj \li1418\ri1226\sb260\sl-260\slmult0 \up0 \expndtw-1\charscalex100

5.5.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Both of these

factors \u8212? the \u8216?replaceability\u8217? and \u8216?protectability\u8217
? of contents \u8212? indicate that the \up0 \expndtw0\charscalex103 need for in
surance to protect these items from flood is less acute than for homes. The argu
ment \up0 \expndtw0\charscalex100 stands, however, that some level of financial
protection is important to the immediate resilience of \up0 \expndtw-3\charscale
x100 all individuals in the event of a flood. \par\pard\qj \li1418\ri1237\sb240\
sl-260\slmult0 \up0 \expndtw0\charscalex103 5.6.\ul0\nosupersub\cf11\f12\fs22 \
ul0\nosupersub\cf4\f5\fs22 There is another argument in favour of treating the
home and contents consistently. Many \line \up0 \expndtw-1\charscalex100 homeow
ners who have home insurance also have contents insurance, either bundled into t
he same \line \up0 \expndtw-1\charscalex100 product or as a separate product. Ar
ound 60 per cent of residential insurance policies issued include \par\pard\ql \
li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li
5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li58
55\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855
\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb15\sl-207\slmult0 \up0 \expndtw-3\char
scalex100 \ul0\nosupersub\cf6\f7\fs18 47 \par\pard\sect\sectd\fs24\paperw11900\p
aperh16820\pard\sb0\sl-240{\bkmkstart Pg53}{\bkmkend Pg53}\par\pard\ql \li6978\s
b0\sl-207\slmult0 \par\pard\ql\li6978\sb0\sl-207\slmult0 \par\pard\ql\li6978\sb1
4\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs18 Chapt
er 5: Flood insurance for home contents \par\pard\qj \li1418\sb0\sl-260\slmult0
\par\pard\qj\li1418\ri1227\sb230\sl-260\slmult0 \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf4\f5\fs22 cover for both home and contents, while 20 per cent in
clude cover for contents only and 20 per cent \up0 \expndtw-3\charscalex100 for
the home only.\ul0\super\cf26\f27\fs20 35 \par\pard\qj \li1418\ri1227\sb240\sl-2
60\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 5.7.\ul0\nos
upersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Given that so many homeowne
rs are insured for both home and contents in the one policy, to \up0 \expndtw0\c
harscalex104 require all home insurance policies to include flood cover but not
to extend this requirement to \up0 \expndtw0\charscalex102 bundled home and cont
ents policies would be impractical. Also, in the event of a flood, while the \up
0 \expndtw0\charscalex100 claim for damage to a building could be determined rea
dily, the claim for contents would require a \up0 \expndtw-1\charscalex100 deter
mination of whether the event was a storm or a flood. The delays, disputes and f
inancial stress \up0 \expndtw-3\charscalex100 in the event of a flood would cont
inue. \par\pard\qj \li1418\ri1215\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex
104 5.8.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 A consiste
nt approach to both the home and contents is endorsed by the Financi
al \up0 \expndtw-2\charscalex100 Ombudsman Service, which noted the following pr
oblems that could arise if flood cover is included in \up0 \expndtw-3\charscalex
100 all home building policies but not extended to contents.\ul0\super\cf26\f27\
fs20 36 \par\pard\ql \li1985\sb246\sl-253\slmult0\tx2551 \up0 \expndtw-3\charsca
lex100 \ul0\nosupersub\cf20\f21\fs22 \u8226? \tab \up0 \expndtw0\charscalex104 \
ul0\nosupersub\cf4\f5\fs22 \u8216?Failure to include contents insurance as part
of automatic flood cover will lead to \par\pard\ql \li2551\sb7\sl-253\slmult0 \u
p0 \expndtw-2\charscalex100 confusion as to the extent of cover in bundled house
hold building-contents policies. \par\pard\li1985\sb0\sl-253\slmult0\par\pard\li
1985\sb6\sl-253\slmult0\fi0\tx2551 \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf20\f21\fs22 \u8226?\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\f
s22 The level of disputation will remain high as most buildings affected by floo
d will suffer\par\pard\li1985\sb8\sl-253\slmult0\fi566 \up0 \expndtw-1\charscale
x100 contents damage.\par\pard\ql \li1985\sb234\sl-253\slmult0\tx2551 \up0 \expn
dtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226? \tab \up0 \expndtw0\ch
arscalex104 \ul0\nosupersub\cf4\f5\fs22 Contents damage can be a significant los
s to an individual and in particular for low \par\pard\qj \li2551\ri1219\sb2\sl260\slmult0 \up0 \expndtw0\charscalex103 income earners who are more likely to b
e tenants. The lack of flood cover covering \up0 \expndtw-3\charscalex100 conten
ts could therefore disadvantage tenants and low income earners. \par\pard\ql \li
1985\sb246\sl-253\slmult0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\c

f20\f21\fs22 \u8226? \tab \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf4\f5\fs

22 Tenants are less likely to have knowledge of flood risks in a particular area
. Without \par\pard\ql \li2551\sb7\sl-253\slmult0 \up0 \expndtw-2\charscalex100
adequate knowledge, the risk of not having adequate insurance is increased.\u821
7? \par\pard\qj \li1418\ri1202\sb242\sl-260\slmult0 \up0 \expndtw0\charscalex100
5.9.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 These observat
ions indicate the importance of taking a consistent approach to both the home \l
ine \up0 \expndtw0\charscalex100 and contents. While the recommendations for hom
es would eliminate all of the issues that arose in \line \up0 \expndtw0\charscal
ex102 the floods of 2010-11, many would recur if the arrangements were not exten
ded to contents. The \line \up0 \expndtw-2\charscalex100 only way to resolve the
se issues fully is to take a consistent approach with both homes and contents. \
par\pard\qj \li1418\ri1219\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex102 5.1
0.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Taking such a consi
stent approach for both homes and contents would have much the same \up0 \expndt
w0\charscalex106 benefits as for home buildings insurance. It would simplify the
transaction of buying contents \up0 \expndtw0\charscalex100 insurance, with one
less decision for the consumer to make. It would make claims processing easier
\up0 \expndtw0\charscalex100 for insurers, who would have no need to differentia
te between storm and flood. It would improve \up0 \expndtw-1\charscalex100 the o
verall efficiency of the product for both policyholders and insurers. It would a
lso provide peace \up0 \expndtw0\charscalex106 of mind for both tenants and home
owners, since they would know that their homes would be \up0 \expndtw-3\charscal
ex100 covered for flood for both building and contents. \par\pard\qj \li1418\ri1
217\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex102 5.11.\ul0\nosupersub\cf11\
f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The Review Panel recommends, therefore, th
at all contents insurance policies include flood \up0 \expndtw-1\charscalex100 c
over. Treating home and contents policies consistently would ensure that the pro
blems of financial \up0 \expndtw0\charscalex103 damage, disputes and delays that
occurred during the floods of 2010-11 would be eliminated for \up0 \expndtw-3\c
harscalex100 those with insurance cover for their home and their contents. \par\
pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li141
8\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-2
07\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0
\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb121\sl-207\slmult0\fi0\tx1
985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 35\tab \up0 \exp
ndtw-2\charscalex100 Insurance Statistics Australia data provided to the Review.
\par\pard\li1418\sb52\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 36
\tab \up0 \expndtw-1\charscalex100 Financial Ombudsman submission to the Natural
Disaster Insurance Review, p 6\par\pard\qj \li1985\ri1382\sb0\sl-260\slmult0 \u
p0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.ndir.gov.a
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ed.pdf" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://www.ndir.gov.au/conten
t/submissions/issues_paper_submissions/Financial_Ombudsman_Service_Limited.}}} \
line \up0 \expndtw-2\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.ndi
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e_Limited.pdf" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 pdf}}}
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alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 5: Flood insurance for home contents
\par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0
\par\pard\ql\li1526\sb129\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosu
persub\cf16\f17\fs22 Recommendation 11: \par\pard\ql \li1526\sb127\sl-253\slmult
0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That all home conten
ts insurance policies include flood cover. \par\pard\ql \li1418\sb0\sl-253\slmul
t0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0
\par\pard\ql\li1418\sb48\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosu
persub\cf9\f10\fs28 A\ul0\nosupersub\cf10\f11\fs22 FFORDABILITY \par\pard\qj \li
1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1206\sb2\sl-260\slmult0 \up0 \expn
dtw0\charscalex108 \ul0\nosupersub\cf4\f5\fs22 5.12.\ul0\nosupersub\cf11\f12\fs2
2 \ul0\nosupersub\cf4\f5\fs22 As for homes, there is a need to ensure that the
inclusion of flood cover in all contents \line \up0 \expndtw-1\charscalex100 ins
urance policies will not create an affordability problem for policyholders. For
homes at a high risk \line \up0 \expndtw0\charscalex103 of flood, the full cost
of flood cover for the contents insurance policy could be substantial, in the \l
ine \up0 \expndtw0\charscalex103 same way as for the building. There is a risk t
hat, as a result, some policyholders could choose to \line \up0 \expndtw-2\chars
calex100 opt-out of contents insurance altogether unless they have access to flo
od premium discounts. \par\pard\qj \li1418\ri1214\sb240\sl-260\slmult0 \up0 \exp
ndtw0\charscalex100 5.13.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\f
s22 Indeed, the level of non-insurance likely to result from a given increase in
premiums is higher \up0 \expndtw0\charscalex106 for contents than for homes. St
udies indicate that policyholders have a lower tolerance for an \up0 \expndtw0\c
harscalex100 increase in their contents insurance premiums than for their home i
nsurance premiums. \ul0\super\cf26\f27\fs20 37\ul0\nosupersub\cf4\f5\fs22 There
is \up0 \expndtw0\charscalex103 also a significant existing level of non-insura
nce for contents, particularly for renters. It has been \up0 \expndtw0\charscale
x102 estimated that 67 per cent of tenants do not insure their contents, compare
d with 12 per cent of \up0 \expndtw-1\charscalex100 homeowners. \ul0\super\cf26\
f27\fs20 38\ul0\nosupersub\cf4\f5\fs22 This compares to only 4 per cent of home
s without home insurance. This might lead \up0 \expndtw-3\charscalex100 to a gre
ater concern over affordability for contents than for homes. \par\pard\qj \li141
8\ri1223\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex100 5.14.\ul0\nosupersub\
cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The likely larger increases in non-in
surance, as well as the existing relatively high levels of non \up0 \expndtw-2\c
harscalex100 insurance point, however, to a second important consideration. The
lower tolerance by policyholders \up0 \expndtw0\charscalex102 of a premium incre
ase for the contents insurance policies indicates that contents insurance is les
s \up0 \expndtw0\charscalex102 important for policyholders than home insurance.
In effect, policyholders are making a judgment \up0 \expndtw0\charscalex100 that
financial protection of their contents is less important than financial protect
ion of their home. \up0 \expndtw0\charscalex103 This lower tolerance indicates t
hat the consequences for policyholders of opting out of contents \up0 \expndtw0\
charscalex100 insurance are lower than for home insurance. The higher levels of
non-insurance reflect, at least in \up0 \expndtw-1\charscalex100 part, the two f
actors discussed earlier, namely the relative high \u8216?replaceability\u8217?
and \u8216?protectability\u8217? of \up0 \expndtw-2\charscalex100 contents, at l
east compared to the home. \par\pard\qj \li1418\ri1232\sb240\sl-260\slmult0 \up0
\expndtw0\charscalex105 5.15.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4
\f5\fs22 The impact of the inclusion of flood cover in contents insurance polici
es can therefore be \up0 \expndtw-3\charscalex100 thought of in two parts: \par\
pard\ql \li1985\sb246\sl-253\slmult0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\n
osupersub\cf20\f21\fs22 \u8226? \tab \up0 \expndtw0\charscalex100 \ul0\nosupersu
b\cf4\f5\fs22 the impact of a price increase on the non-insurance of contents is
likely to be higher \par\pard\qj \li2551\ri1233\sb2\sl-260\slmult0 \up0 \expndt
w-3\charscalex100 than for homes, since the demand for contents insurance is mor
e price responsive than \up0 \expndtw-3\charscalex100 for home insurance; but \p
ar\pard\ql \li1985\sb246\sl-253\slmult0\tx2551 \up0 \expndtw-3\charscalex100 \ul

0\nosupersub\cf20\f21\fs22 \u8226? \tab \up0 \expndtw0\charscalex105 \ul0\nosupe

rsub\cf4\f5\fs22 the consequences of non-insurance of contents are likely to be
lower than that of \par\pard\qj \li2551\ri1213\sb2\sl-260\slmult0 \up0 \expndtw0
\charscalex102 homes, since the higher level of price responsiveness reflects bo
th the more readily \line \up0 \expndtw-2\charscalex100 replaceable and more rea
dily protectable nature of contents, compared with the home. \par\pard\qj \li141
8\ri1238\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex105 5.16.\ul0\nosupersub\
cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The impact of higher flood premiums f
or contents on tenants, particularly those on low \line \up0 \expndtw0\charscale
x100 incomes, also needs to be considered. As discussed above, the ability of th
ose on low incomes to \line \up0 \expndtw-2\charscalex100 recover their assets f
ollowing a loss is constrained, making insurance for contents a more important \
par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\l
i1418\sb0\sl-207\slmult0\par\pard\li1418\sb54\sl-207\slmult0\fi0\tx1985 \up0 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 37\tab \up0 \expndtw-1\chars
calex100 A 2007 survey estimated that the demand for contents insurance is betwe
en 4 and 18 times more responsive to an\par\pard\li1418\sb55\sl-207\slmult0\fi56
6 \up0 \expndtw-1\charscalex100 increase in price than the demand for home insur
ance. Tooth and Barker, \u8216?Insurance Law and Economics: An\par\pard\li1418\s
b52\sl-207\slmult0\fi566 \up0 \expndtw-1\charscalex100 Analysis of the Demand fo
r House and Contents Insurance in Australia\u8217?, p 7\par\pard\li1418\sb52\sl207\slmult0\fi566 \up0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "h
ttp://law.anu.edu.au/cle/Papers/Insurance_Demand_Home&Contents_Fina.pdf" }}{\fld
rslt {\ul0\nosupersub\cf27\f28\fs18 http://law.anu.edu.au/cle/Papers/Insurance_D
emand_Home&Contents_Fina.pdf}}}\par\pard\li1418\sb55\sl-207\slmult0\fi0\tx1985 \
up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 38\tab \up0 \expndtw2\charscalex100 Op cit p 38.
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alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 5: Flood insurance for home contents
\par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1220\sb230\sl-260
\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 consideration
in their recovery from a flood. An increase in the already high rates of non ins
urance \up0 \expndtw-2\charscalex100 for renters could further compromise the ab
ility of this group to recover. \par\pard\qj \li1418\ri1208\sb240\sl-260\slmult0
\up0 \expndtw0\charscalex107 5.17.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersu
b\cf4\f5\fs22 The Review Panel weighed the various considerations in determining
its recommended \up0 \expndtw0\charscalex105 approach. It considers that, while
the consequences of an increase in non-insurance are not as \up0 \expndtw0\char
scalex102 significant as for homes, there is a need at least to preserve current
rates of take-up of insurance \up0 \expndtw-2\charscalex100 and, in particular,
not to exacerbate the non-insurance problem for those on low incomes. \par\pard
\qj \li1418\ri1212\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex100 5.18.\ul0\n
osupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 As a result, the Review Pan
el recommends that discounts be provided to contents insurance \up0 \expndtw0\ch
arscalex102 policyholders, in a similar manner to homes and also that the princi
ples underpinning the Review \up0 \expndtw-1\charscalex100 Panel\u8217?s recomme
ndation for discounts for home building insurance policies apply equally to that
for \up0 \expndtw-1\charscalex100 home contents insurance policies. That is, hi
gher discounted flood premiums should apply to homes \up0 \expndtw-2\charscalex1
00 with higher levels of flood risk, higher flood premiums should apply to highe
r sums insured and there \up0 \expndtw-2\charscalex100 should be some limitation
s on discounts for contents with high sums insured. \par\pard\qj \li1418\ri1225\
sb240\sl-260\slmult0 \up0 \expndtw0\charscalex100 5.19.\ul0\nosupersub\cf11\f12\
fs22 \ul0\nosupersub\cf4\f5\fs22 Discounts should also apply to contents insura
nce policies for existing homes only and not be \up0 \expndtw-3\charscalex100 ex
tended to the contents of future new homes. \par\pard\ql \li1526\sb0\sl-253\slmu
lt0 \par\pard\ql\li1526\sb113\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf16\f17\fs22 Recommendation 12: \par\pard\qj \li1526\ri1337\sb122\sl
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unts be provided, in the same manner as for homes, to home contents insurance \u
p0 \expndtw-3\charscalex100 policies for eligible properties.
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b0\sl-356\slmult0 \par\pard\ql\li1418\sb0\sl-356\slmult0 \par\pard\ql\li1418\sb0
\sl-356\slmult0 \par\pard\ql\li1418\sb141\sl-356\slmult0 \up0 \expndtw0\charscal
ex99 \ul0\nosupersub\cf23\f24\fs36 Chapter 6.\ul0\nosupersub\cf24\f25\fs36 \ul0
\nosupersub\cf23\f24\fs36 F\ul0\nosupersub\cf25\f26\fs29 LOOD INSURANCE FOR SM
ALL BUSINESSES \par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri121
0\sb104\sl-260\slmult0 \up0 \expndtw0\charscalex104 \ul0\nosupersub\cf4\f5\fs22
6.1.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The implicatio
ns for small businesses of limited flood cover are similar to those
for \line \up0 \expndtw0\charscalex100 homeowners: in the event of flood damage,
they face significant financial loss and potentially long \line \up0 \expndtw0\
charscalex100 delays in having their claims determined. Small businesses can als
o face the loss of income if their \line \up0 \expndtw-2\charscalex100 premises
are damaged or their customers or suppliers cannot recover quickly after the flo
od. \par\pard\ql \li1418\sb0\sl-322\slmult0 \par\pard\ql\li1418\sb167\sl-322\slm
ult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf9\f10\fs28 W\ul0\nosupersub
\cf10\f11\fs22 HAT IS A SMALL BUSINESS\ul0\nosupersub\cf9\f10\fs28 ? \par\pard\q
j \li1418\ri1208\sb230\sl-260\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupers
ub\cf4\f5\fs22 6.2.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22
There is no single definition of small business that is applied consistently acr
oss the insurance \up0 \expndtw0\charscalex102 industry. Some define a small bus
iness according to its assets and some according to its turnover; \up0 \expndtw0
\charscalex100 some insurers have multiple definitions across their different pr
oducts. The Financial Ombudsman \up0 \expndtw-2\charscalex100 Service, the exter
nal dispute resolution service for the general insurance industry, uses a defini
tion of \up0 \expndtw0\charscalex103 small business as a business with less than
20 employees if it is a manufacturing business, or less \up0 \expndtw-3\charsca
lex100 than five employees for other industries. \par\pard\qj \li1418\sb0\sl-250
\slmult0 \par\pard\qj\li1418\ri1224\sb19\sl-250\slmult0 \up0 \expndtw0\charscale
x102 6.3.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 For the pu
rposes of this Review, small business is being defined by the policies that insu
rers \up0 \expndtw0\charscalex108 sell: any small business package policies, whe
ther issued direct by the insurer or through an \up0 \expndtw-3\charscalex100 in
termediary, are the subject of this Chapter. \par\pard\ql \li1418\sb0\sl-299\slm
ult0 \par\pard\ql\li1418\sb71\sl-299\slmult0 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf18\f19\fs26 Small businesses losses can have wide community impact
\par\pard\qj \li1418\ri1211\sb254\sl-260\slmult0 \up0 \expndtw0\charscalex104 \u
l0\nosupersub\cf4\f5\fs22 6.4.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4
\f5\fs22 The implications for the community and the local economy of limited f
lood cover for small \line \up0 \expndtw0\charscalex100 business can be signific
ant. Small businesses form the backbone of many local communities and, as \line
\up0 \expndtw0\charscalex102 such, play an important role in the community recov
ery following a natural disaster. They provide \line \up0 \expndtw-2\charscalex1
00 employment for local residents, they supply goods and services to homeowners
and other businesses \line \up0 \expndtw-2\charscalex100 rebuilding and repairin
g their properties, and they support other local businesses by purchasing their
\line \up0 \expndtw-3\charscalex100 products and services. \par\pard\qj \li1418\
ri1234\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex104 6.5.\ul0\nosupersub\cf1
1\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The Review Panel witnessed the importa
nce of small business to the local community first \line \up0 \expndtw-2\charsca
lex100 hand when visiting the parts of Victoria affected by the 2009 Black Satur
day bushfires. In the wake of \line \up0 \expndtw0\charscalex106 physical devast
ation and the tragic loss of life, the community of Marysville has been severely
\line \up0 \expndtw0\charscalex100 disadvantaged subsequently through the loss
of some significant local employers. These employers \line \up0 \expndtw0\charsc
alex100 are understood to have been under-insured and, as a result, not in a pos
ition to rebuild and restart \line \up0 \expndtw0\charscalex103 their businesses
after the fires. Without these local businesses, the local economy is significa

ntly \line \up0 \expndtw-3\charscalex100 diminished. \par\pard\qj \li1418\ri1215

\sb240\sl-260\slmult0 \up0 \expndtw-1\charscalex100 6.6.\ul0\nosupersub\cf11\f12
\fs22 \ul0\nosupersub\cf4\f5\fs22 A greater take-up of flood insurance by sma
ll businesses would therefore address the needs of \up0 \expndtw-2\charscalex100
both the small businesses concerned as well as their local communities and econ
omies. \par\pard\ql \li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb69\sl-299\s
lmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf18\f19\fs26 Small busines
ses buy insurance differently from homeowners \par\pard\qj \li1418\ri1209\sb234\
sl-260\slmult0 \up0 \expndtw0\charscalex104 \ul0\nosupersub\cf4\f5\fs22 6.7.\ul0
\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 There are important
differences between small businesses and homeowners in their \up0 \expndt
w-1\charscalex100 understanding of and approach to insurance. For small business
es, insurance is a business cost to be \up0 \expndtw0\charscalex100 managed alon
g with other aspects of financial and risk management of their business. Some sm
all \up0 \expndtw0\charscalex104 businesses buy insurance through an intermediar
y (an insurance broker), which allows them to \up0 \expndtw-2\charscalex100 obta
in advice about their insurance needs and to tailor their insurances to their ne
eds. \par\pard\ql \li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmu
lt0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult
0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb169\sl-207\slmult
0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs18 51 \par\pard\sect\se
ctd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg57}{\bkmkend Pg57}
\par\pard\ql \li6992\sb0\sl-207\slmult0 \par\pard\ql\li6992\sb0\sl-207\slmult0 \
par\pard\ql\li6992\sb14\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf1\f2\fs18 Chapter 6: Flood insurance for small business \par\pard\qj \li1
418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1211\sb230\sl-260\slmult0 \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 6.8.\ul0\nosupersub\cf11\f12\fs
22 \ul0\nosupersub\cf4\f5\fs22 Other small businesses do not use an intermedi
ary, but instead purchase insurance direct from \up0 \expndtw0\charscalex107 ins
urers in the same way as homeowners. A number of insurers offer a direct product
to sole \up0 \expndtw-2\charscalex100 practitioners, businesses operated from h
ome and other micro businesses. \par\pard\qj \li1418\ri1224\sb240\sl-260\slmult0
\up0 \expndtw0\charscalex103 6.9.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub
\cf4\f5\fs22 The issues facing buyers of these direct business insurance produ
cts can be similar to those \up0 \expndtw0\charscalex108 facing homeowners. Inde
ed, it was submitted that small businesses are less likely to receive \up0 \expn
dtw0\charscalex103 specialised advice and that \u8216?this group would therefore
benefit from automatic inclusion of flood \up0 \expndtw-1\charscalex100 within
policies in the same way homeowners would \u8212? that is, they would be covered
in the event of \up0 \expndtw-3\charscalex100 either storms or floods ...\u8217
?.\ul0\super\cf26\f27\fs20 39 \par\pard\ql \li1418\sb0\sl-299\slmult0 \par\pard\
ql\li1418\sb69\sl-299\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf18
\f19\fs26 Availability of flood cover for small businesses \par\pard\qj \li1418\
ri1219\sb234\sl-260\slmult0 \up0 \expndtw0\charscalex104 \ul0\nosupersub\cf4\f5\
fs22 6.10.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 For small b
usinesses that buy insurance through brokers their insurance can be tailored to
\up0 \expndtw-2\charscalex100 their needs. The absence of flood cover, however,
for many small businesses in Brisbane and Ipswich \up0 \expndtw0\charscalex100 s
uggest that flood cover is not given adequate attention by brokers or small busi
nesses. The Review \up0 \expndtw0\charscalex107 Panel is aware of only one insur
er who offers flood cover as standard. For those buying small \up0 \expndtw-2\ch
arscalex100 business insurance direct, as for homes, flood cover is not always o
ffered. \par\pard\qj \li1418\ri1221\sb240\sl-260\slmult0 \up0 \expndtw0\charscal
ex102 6.11.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 There woul
d be benefits to small businesses and to the local community and local economy \
up0 \expndtw0\charscalex102 within which small businesses operate if there was a
greater take up of flood cover. However, the \up0 \expndtw0\charscalex100 impli
cations for affordability and non-insurance of making any changes to the current
op in/opt-out \up0 \expndtw-3\charscalex100 arrangements need to be considered
carefully. \par\pard\ql \li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb69\sl-2

99\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf18\f19\fs26 Affordabi

lity of flood cover for small businesses \par\pard\qj \li1418\ri1223\sb254\sl-26
0\slmult0 \up0 \expndtw0\charscalex105 \ul0\nosupersub\cf4\f5\fs22 6.12.\ul0\nos
upersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 An Insurance Council study on
non insurance among small and medium sized enterprises \up0 \expndtw-3\charscal
ex100 (SMEs) undertaken in 2008 indicated that: \par\pard\li1985\sb250\sl-253\sl
mult0\fi0\tx2551 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8
226?\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 26 per cent of
the sampled SMEs did not have any form of general insurance;\par\pard\li1985\sb
246\sl-253\slmult0\fi0\tx2551 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf20
\f21\fs22 \u8226?\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 o
f the SMEs sampled that had insurance, 94 per cent indicated they considered tha
t\par\pard\li1985\sb6\sl-253\slmult0\fi566 \up0 \expndtw0\charscalex100 they wer
e adequately insured. Of those who indicated they were inadequately insured,\par
\pard\li1985\sb9\sl-253\slmult0\fi566 \up0 \expndtw0\charscalex100 80 per cent i
ndicated that the cost of insurance was a factor in this decision; and\par\pard\
li1985\sb246\sl-253\slmult0\fi0\tx2551 \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\
f5\fs22 sole traders sampled had the highest rate of non insurance with 40% oper
ating their\par\pard\li1985\sb6\sl-253\slmult0\fi566 \up0 \expndtw-1\charscalex1
00 businesses with no general insurance.40\par\pard\qj \li1418\ri1233\sb240\sl-2
60\slmult0 \up0 \expndtw-1\charscalex100 6.13.\ul0\nosupersub\cf11\f12\fs22 \ul
0\nosupersub\cf4\f5\fs22 The study suggests that non insurance is more prevalent
in the sole trader category where non \up0 \expndtw-2\charscalex100 insurance i
s estimated to be 40 per cent. Also, the cost of insurance is an important consi
deration for \up0 \expndtw-1\charscalex100 small businesses, partly reflecting t
hat insurance can be regarded as one of a number of costs which \up0 \expndtw-3\
charscalex100 need to be managed. \par\pard\qj \li1418\ri1224\sb240\sl-260\slmul
t0 \up0 \expndtw0\charscalex104 6.14.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosuper
sub\cf4\f5\fs22 The Review Panel considers, therefore, that the risk in requirin
g flood to be included in all \up0 \expndtw0\charscalex100 small business insura
nce policies is that the higher premiums that would be charged for flood cover \
up0 \expndtw0\charscalex108 could result in an increase in non-insurance in a ma
rket that already has significant levels of \up0 \expndtw-3\charscalex100 non-in
surance and under-insurance. \par\pard\qj \li1418\ri1239\sb240\sl-260\slmult0 \u
p0 \expndtw0\charscalex106 6.15.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\c
f4\f5\fs22 For homes, contents and home unit insurance, the Review Panel has rec
ommended that \line \up0 \expndtw0\charscalex103 affordability be dealt with thr
ough providing flood premium discounts to eligible properties. The \line \up0 \e
xpndtw0\charscalex103 Review Panel has considered whether these discounts along
with access to the recommended \par\pard\li1418\sb0\sl-207\slmult0\par\pard\li14
18\sb0\sl-207\slmult0\par\pard\li1418\sb41\sl-207\slmult0\fi0\tx1985 \up0 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 39\tab \up0 \expndtw-2\charscal
ex100 IAG submission, pp 14-15.\par\pard\li1418\sb55\sl-207\slmult0\fi0\tx1985 \
up0 \expndtw-2\charscalex100 40\tab \up0 \expndtw-2\charscalex100 Insurance Coun
cil submission, p 26.
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alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 6: Flood insurance for small busines

s \par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1217\sb230\sl-26
0\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 reinsurance
facility should be extended to small businesses. The Review Panel\u8217?s conclu
sion is that, in \up0 \expndtw0\charscalex108 addition to the technical and othe
r difficulties that would arise if discounts were to be made \up0 \expndtw0\char
scalex102 available to small businesses, there is not a strong case in terms of
business needs at this time for \up0 \expndtw-3\charscalex100 imposing flood cov
er as standard in small business insurance policies. \par\pard\qj \li1418\ri1234
\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex102 6.16.\ul0\nosupersub\cf11\f12
\fs22 \ul0\nosupersub\cf4\f5\fs22 Nevertheless, there is a case for taking step
s that will increase the availability and the likely \up0 \expndtw-3\charscalex1
00 take-up of flood cover. \par\pard\qj \li1418\ri1221\sb240\sl-260\slmult0 \up0
\expndtw-1\charscalex100 6.17.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf
4\f5\fs22 For small businesses, the Review Panel\u8217?s solution is to recommen
d that insurers be required to \up0 \expndtw0\charscalex100 include flood cover
in their small business policies, while allowing their small business customers
to \up0 \expndtw0\charscalex100 opt-out of flood cover if they so choose. This a
pproach will ensure that they, make a clear decision \up0 \expndtw0\charscalex10
3 about including flood cover in their insurance while minimising any increase i
n non-insurance by \up0 \expndtw-3\charscalex100 virtue of the right to opt-out
of flood cover. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb11
3\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Rec
ommendation 13: \par\pard\qj \li1526\ri1338\sb113\sl-270\slmult0 \up0 \expndtw0\
charscalex100 \ul0\nosupersub\cf4\f5\fs22 That all insurers offering small busin
ess insurance be obliged to include flood cover on an opt-out \line \up0 \expndt
w0\charscalex107 basis, instead of an opt in/opt-out basis as at present, in all
of their small business package \line \up0 \expndtw-3\charscalex100 policies. \
par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \p
ar\pard\ql\li1526\sb119\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupe
rsub\cf16\f17\fs22 Recommendation 14: \par\pard\qj \li1526\ri1331\sb105\sl-280\s
lmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That flood prem
ium discounts not be provided to small businesses and that the reinsurance facil
ity \up0 \expndtw-3\charscalex100 not offer reinsurance for small businesses. \p
ar\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1211\sb237\sl-260\sl
mult0 \up0 \expndtw0\charscalex107 6.18.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosu
persub\cf4\f5\fs22 The Review Panel would have preferred to see flood cover offe
red as standard to small \up0 \expndtw0\charscalex106 businesses with no opt-out
as with homes. It accepts, however, that such a position could not \up0 \expndt
w-1\charscalex100 reasonably be imposed at this time, especially as the Review P
anel is not proposing to see discounts \up0 \expndtw0\charscalex100 introduced f
or affordability purposes for small businesses or access by insurers to the rein
surance \up0 \expndtw0\charscalex103 facility for small business flood insurance
. Nevertheless, there is still an important need for flood \up0 \expndtw0\charsc
alex100 insurance to be made more widely available to small businesses and for s
ome steps to be taken to \up0 \expndtw-2\charscalex100 encourage and promote a g
reater take-up of flood cover by small businesses. \par\pard\qj \li1418\ri1214\s
b240\sl-260\slmult0 \up0 \expndtw0\charscalex100 6.19.\ul0\nosupersub\cf11\f12\f
s22 \ul0\nosupersub\cf4\f5\fs22 The Review Panel also considers that the questi
ons of flood cover as standard (no opt-out) in \line \up0 \expndtw-2\charscalex1
00 small business policies and access to discounted premiums for small business
policyholders should be \line \up0 \expndtw0\charscalex102 revisited once the re
commended arrangements for homes, home units and home contents are in \line \up0
\expndtw-3\charscalex100 place. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pa
rd\ql\li1526\sb113\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\
cf16\f17\fs22 Recommendation 15: \par\pard\qj \li1526\ri1323\sb113\sl-270\slmult
0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That the questions of
flood cover as standard in small business policies and access to discounted \up
0 \expndtw0\charscalex105 premiums for small business policyholders should
be revisited once the recommended \up0 \expndtw-3\charscalex100 arrangement

s for homes, home units and home contents are in place. \par\pard\ql \li1418\sb0
\sl-299\slmult0 \par\pard\ql\li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb29\
sl-299\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf18\f19\fs26 Small
business and business interruption insurance \par\pard\qj \li1418\ri1236\sb254\
sl-260\slmult0 \up0 \expndtw0\charscalex107 \ul0\nosupersub\cf4\f5\fs22 6.20.\ul
0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 In its Issues Paper, t
he Review Panel canvassed a range of issues regarding business \line \up0 \
expndtw0\charscalex104 interruption insurance. It noted that only around 40 per
cent of small businesses have business
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g59}{\bkmkend Pg59}\par\pard\ql \li6992\sb0\sl-207\slmult0 \par\pard\ql\li6992\s
b0\sl-207\slmult0 \par\pard\ql\li6992\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 6: Flood insurance for small busines
s \par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1240\sb230\sl-26
0\slmult0 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf4\f5\fs22 interruption
insurance, and that only a small fraction have business interruption that respon
ds to \line \up0 \expndtw-3\charscalex100 flood.\ul0\super\cf26\f27\fs20 41 \par
\pard\qj \li1418\ri1221\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex102 \ul0\n
osupersub\cf4\f5\fs22 6.21.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5
\fs22 In consultations since, the Review Panel has had confirmed the important r
ole that business \up0 \expndtw0\charscalex103 interruption insurance plays in t
he ability of businesses and local communities to recover after a \up0 \expndtw1\charscalex100 natural disaster. Careful consideration has been given as to whe
ther business interruption insurance \up0 \expndtw0\charscalex102 should be made
a standard part of small business insurance so that it would be more available
to \up0 \expndtw-3\charscalex100 assist the recovery from floods and other natur
al disasters. \par\pard\qj \li1418\ri1215\sb240\sl-260\slmult0 \up0 \expndtw0\ch
arscalex105 6.22.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Busi
ness interruption insurance is a complex insurance product that is typically bou
ght in \up0 \expndtw0\charscalex100 addition to property cover. Cover tends to b
e triggered by damage to the building. Most businesses \up0 \expndtw-2\charscale
x100 buy cover for a maximum period of 12 months from when the damage occurred (
usually after a short \up0 \expndtw0\charscalex100 waiting period), although som
e are covered for shorter periods of six months, and others for longer \up0 \exp
ndtw-1\charscalex100 periods of two to three years. Premiums for business interr
uption cover tend to be significant and so \up0 \expndtw-2\charscalex100 busines
ses make careful assessments of their need for the product. \par\pard\qj \li1418

\ri1208\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex103 6.23.\ul0\nosupersub\c

f11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 A key condition when making a cl
aim on business interruption insurance is that the \up0 \expndtw-1\charsc
alex100 interruption must arise from damage to the business\u8217?s property. Co
ver does not typically extend, for \up0 \expndtw0\charscalex100 example, to a bu
siness being interrupted by failure of utilities or closure by a public authorit
y. Also, \up0 \expndtw0\charscalex106 such policies typically only provide benef
its for the time it would take to restore the particular \up0 \expndtw-2\charsca
lex100 business, regardless of the surrounding community and whether transport l
inks are restored, the rest \up0 \expndtw-3\charscalex100 of the street is opera
ble, or the local population is back to normal. \par\pard\qj \li1418\ri1216\sb24
0\sl-260\slmult0 \up0 \expndtw-1\charscalex100 6.24.\ul0\nosupersub\cf11\f12\fs2
2 \ul0\nosupersub\cf4\f5\fs22 As a result, business interruption insurance does
not respond well to \u8216?wide area damage\u8217?, that \up0 \expndtw-2\charsc
alex100 is, disasters that impact a whole community. As a result, it does not re
spond well to natural disasters. \up0 \expndtw-2\charscalex100 Business interrup
tion insurance may not therefore provide small businesses and the community with
\up0 \expndtw-3\charscalex100 the support required to recover in the event of a
natural disaster. \par\pard\qj \li1418\ri1230\sb240\sl-260\slmult0 \up0 \expndt
w0\charscalex105 6.25.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22
The \u8216?wide area damage\u8217? problem is not really a problem that insuran
ce can readily solve. \line \up0 \expndtw-2\charscalex100 Accordingly, the Revie
w Panel is making no recommendations on business interruption insurance but \lin
e \up0 \expndtw0\charscalex105 wishes the Government to note the costs and disru
ption to businesses and their likely adverse \line \up0 \expndtw-1\charscalex100
effects on recovery and the subsequent health of small businesses in the areas
affected by a natural \line \up0 \expndtw0\charscalex105 disaster, with a view t
o small business recovery having priority within the National Strategy for \line
\up0 \expndtw-3\charscalex100 Disaster Resilience. \par\pard\ql \li1418\sb0\sl207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-20
7\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\
slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\sl
mult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmu
lt0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult
0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0
\par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \p
ar\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par
\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\p
ard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\par
d\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\
ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb96\sl-207\slmult0\tx1985 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 41 \tab \up0 \expndtw-1\
charscalex100 NDIR Issues Paper, p 32 {\field{\*\fldinst {HYPERLINK "http://www.
ndir.gov.au/content/Content.aspx?doc=issuespaper.htm" }}{\fldrslt {\ul0\nosupers
ub\cf27\f28\fs18 http://www.ndir.gov.au/content/Content.aspx?doc=issuespaper.htm
}}}
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g60}{\bkmkend Pg60}\par\pard\qj \li1418\sb0\sl-420\slmult0 \par\pard\qj\li1418\s
b0\sl-420\slmult0 \par\pard\qj\li1418\sb0\sl-420\slmult0 \par\pard\qj\li1418\ri1

367\sb253\sl-420\slmult0 \up0 \expndtw0\charscalex99 \ul0\nosupersub\cf23\f24\fs

36 Chapter 7.\ul0\nosupersub\cf24\f25\fs36 \ul0\nosupersub\cf23\f24\fs36 A\ul
0\nosupersub\cf25\f26\fs29 FLOOD PREMIUM DISCOUNT AND REINSURANCE \up0 \expndtw
0\charscalex96 SYSTEM \par\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li141
8\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb152\sl-253\slmult0 \up0 \expndtw-3\ch
arscalex100 \ul0\nosupersub\cf9\f10\fs28 A\ul0\nosupersub\cf10\f11\fs22 SYSTEM
OF FLOOD PREMIUM DISCOUNTS \par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\
li1418\ri1225\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf
4\f5\fs22 7.1.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 As di
scussed in Chapter 3, the Review Panel has established five policyholder criteri
a for the \up0 \expndtw-3\charscalex100 design of a system of discounts: \par\pa
rd\li1418\sb247\sl-253\slmult0\fi566\tx2551 \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf4\f5\fs22 premiums should be higher where with the level of flood risk is hi
gher;\par\pard\li1418\sb246\sl-253\slmult0\fi566\tx2551 \up0 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf4\f5\fs22 those whose homes do not face a flood risk should not
face a flood premium;\par\pard\li1418\sb249\sl-253\slmult0\fi566\tx2551 \up0 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf4\f5\fs22 there should be no cross subsidisation
of premiums between policyholders;\par\pard\li1418\sb246\sl-253\slmult0\fi566\t
x2551 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 there should be some lim
itations on discounts for high value homes; and\par\pard\li1418\sb246\sl-253\slm
ult0\fi566\tx2551 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u
8226?\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 the discount
mechanism should be simple for policyholders and automated for insurers.\par\pa
rd\li1418\sb249\sl-253\slmult0\fi0 \up0 \expndtw-1\charscalex100 7.2.\ul0\nosupe
rsub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 It is equally important that t
he system of discounts not undermine the competitive insurance\par\pard\li1418\s
b6\sl-253\slmult0\fi0 \up0 \expndtw-1\charscalex100 market. To that end it is al
so desirable that it meet three insurer criteria:\par\pard\li1418\sb246\sl-253\s
lmult0\fi566\tx2551 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf20\f21\fs22
\u8226?\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 the system
of discounts be compatible with the way the insurance market currently\par\pard
\li1418\sb9\sl-253\slmult0\fi1132 \up0 \expndtw-2\charscalex100 operates;\par\pa
rd\li1418\sb246\sl-253\slmult0\fi566\tx2551 \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf4\f5\fs22 insurers hold some part of the flood risk themselves; and\par\pard
\li1418\sb246\sl-253\slmult0\fi566\tx2551 \up0 \expndtw-2\charscalex100 \ul0\nos
upersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf4\f5\fs22 insurers preserve their relationships with their policyholders for w
riting and renewing\par\pard\ql \li2551\sb7\sl-253\slmult0 \up0 \expndtw-3\chars
calex100 policies and for managing claims. \par\pard\qj \li1418\ri1206\sb242\sl260\slmult0 \up0 \expndtw0\charscalex106 7.3.\ul0\nosupersub\cf11\f12\fs22 \ul0
\nosupersub\cf4\f5\fs22 To meet both sets of criteria for flood premiums and d
iscounts, one from a policyholder \line \up0 \expndtw0\charscalex100 perspective
and the other from an insurer perspective, the Review Panel has devised a model
that \line \up0 \expndtw-2\charscalex100 integrates policyholder discounts with
insurer participation. It functions through being supplemented \line \up0 \expn
dtw-1\charscalex100 by a government sponsored reinsurance facility, or reinsuran
ce pool, that enables insurers to deliver \line \up0 \expndtw-1\charscalex100 th
e discounts to their policyholders without compromising the commercial soundness
of insurers. \par\pard\qj \li1418\ri1225\sb240\sl-260\slmult0 \up0 \expndtw0\ch
arscalex104 7.4.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 To
meet these requirements, the Review Panel proposes a model that requires insurer
s to \up0 \expndtw-1\charscalex100 retain a portion of the flood risk and to und
erwrite and price that portion of the risk themselves. The \up0 \expndtw0\charsc
alex106 portion of each risk not retained by the insurer would then be ceded to
a disaster reinsurance \up0 \expndtw-1\charscalex100 facility, or reinsurance po

ol, established specially for the purpose. This model would apply to homes, \up0
\expndtw-2\charscalex100 home contents and home units. \par\pard\qj \li1418\ri1
209\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex103 7.5.\ul0\nosupersub\cf11\f
12\fs22 \ul0\nosupersub\cf4\f5\fs22 Delivering discounts through this mechani
sm would effectively subsidise claims rather than \up0 \expndtw0\charscalex105 p
remiums. This approach has a number of benefits over providing discounts through
premium \up0 \expndtw0\charscalex103 subsidies. Importantly, the recommended ap
proach would maximise, in expectation, the level of \up0 \expndtw0\charscalex103
premium discount that can be achieved for a given level of external funding sup
port because the \up0 \expndtw-2\charscalex100 support is only called upon when
a claim is made upon the pool, not each year as premiums are paid. \up0 \expndtw
-1\charscalex100 A premium subsidy to insurers, on the other hand, would probabl
y need to be paid according to the \up0 \expndtw-2\charscalex100 market price. T
hat would include subsidising the return on capital and other components of the
price \up0 \expndtw0\charscalex100 that are in addition to an estimate of the ri
sk. It would rely on each individual insurer\u8217?s own pricing \up0 \expndtw-2
\charscalex100 basis and would need to be supported by some form of compliance r
egime. \par\pard\ql \li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\sl
mult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb43\sl-207\slm
ult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs18 55 \par\pard\sect
\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg61}{\bkmkend Pg
61}\par\pard\ql \li5780\sb0\sl-207\slmult0 \par\pard\ql\li5780\sb0\sl-207\slmult
0 \par\pard\ql\li5780\sb14\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nos
upersub\cf1\f2\fs18 Chapter 7: A flood premium discount and reinsurance system \
par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \p
ar\pard\ql\li1526\sb129\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupe
rsub\cf16\f17\fs22 Recommendation 16: \par\pard\qj \li1526\ri1331\sb113\sl-270\s
lmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That flood premi
um discounts be delivered through a model that requires insurers to retain and \
up0 \expndtw0\charscalex110 price a portion of the risk with the remainder to be
ceded to the reinsurance facility at a \up0 \expndtw-3\charscalex100 discounted
reinsurance premium. \par\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li141
8\sb252\sl-253\slmult0 \up0 \expndtw-1\charscalex100 7.6.\ul0\nosupersub\cf11\f1
2\fs22 \ul0\nosupersub\cf4\f5\fs22 This Chapter comprises five sections: \par
\pard\li1985\sb0\sl-253\slmult0\par\pard\li1985\sb7\sl-253\slmult0\fi0\tx2551 \u
p0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expn
dtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 eligibility for flood premium di
scounts;\par\pard\li1985\sb246\sl-253\slmult0\fi0\tx2551 \up0 \expndtw-3\charsca
lex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-3\charscalex100 \
ul0\nosupersub\cf4\f5\fs22 structuring the flood premium discounts;\par\pard\li1
985\sb246\sl-253\slmult0\fi0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersu
b\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5
\fs22 delivering flood premium discounts across the flood risk spectrum;\par\par
d\li1985\sb249\sl-253\slmult0\fi0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosu
persub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-3\charscalex100 \ul0\nosupersub\c
f4\f5\fs22 designing the reinsurance pool; and\par\pard\li1985\sb246\sl-253\slmu
lt0\fi0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u822
6?\tab \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 access to the r
einsurance pool.\par\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\
sl-253\slmult0 \par\pard\ql\li1418\sb29\sl-253\slmult0 \up0 \expndtw-3\charscale
x100 \ul0\nosupersub\cf9\f10\fs28 E\ul0\nosupersub\cf10\f11\fs22 LIGIBILITY FOR
FLOOD PREMIUM DISCOUNTS \par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1
418\ri1233\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex106 \ul0\nosupersub\cf4\f
5\fs22 7.7.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The Revi
ew Panel has recommended in Chapter 3 that discounts be available to existing \l
ine \up0 \expndtw-1\charscalex100 properties only but not for future new propert
ies. This approach acknowledges that there is a legacy \line \up0 \expndtw0\char
scalex100 of homes that are exposed to flood risk while ensuring that owners of
new properties meet the full \line \up0 \expndtw0\charscalex100 cost of the floo
d risk they take on. It may also deter more homeowners from moving to high flood

\line \up0 \expndtw-3\charscalex100 risk areas. \par\pard\qj \li1418\ri1212\sb2

40\sl-260\slmult0 \up0 \expndtw0\charscalex100 7.8.\ul0\nosupersub\cf11\f12\fs22
\ul0\nosupersub\cf4\f5\fs22 As noted in Chapter 3, for existing properties i
t is also recommended that the amount of the \up0 \expndtw-1\charscalex100 disco
unt be limited for high value homes, high contents sums insured and high value b
ody corporate \up0 \expndtw-1\charscalex100 properties. It is also proposed that
all discounts be phased out gradually over time. \par\pard\ql \li1418\sb0\sl-25
3\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb20\sl-253
\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf9\f10\fs28 S\ul0\nosupe
rsub\cf10\f11\fs22 TRUCTURING THE FLOOD PREMIUM DISCOUNTS \par\pard\qj \li1418\s
b0\sl-260\slmult0 \par\pard\qj\li1418\ri1232\sb2\sl-260\slmult0 \up0 \expndtw0\c
harscalex106 \ul0\nosupersub\cf4\f5\fs22 7.9.\ul0\nosupersub\cf11\f12\fs22 \ul0
\nosupersub\cf4\f5\fs22 The discounts would be provided to existing homes by t
he reinsurance pool offering the \line \up0 \expndtw0\charscalex100 insurer a di
scounted premium for the portion of the risk covered by the pool. In the initial
period of \line \up0 \expndtw0\charscalex100 the operation of the pool, existin
g homes would be eligible for a full discount, that is, the discounts \line \up0
\expndtw0\charscalex102 would not have begun to be phased out and the premium c
harged by the reinsurance pool to the \line \up0 \expndtw-3\charscalex100 insure
r would be nil. \par\pard\qj \li1418\ri1223\sb240\sl-260\slmult0 \up0 \expndtw0\
charscalex100 7.10.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 To
limit the discounts available to high value homes, it is proposed that the risk
for which the \up0 \expndtw-1\charscalex100 pool would offer the insurer a disc
ounted premium be limited to the difference between the portion \up0 \expndtw-2\
charscalex100 of the risk retained by the insurer and $500,000. \par\pard\qj \li
1418\ri1217\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex102 7.11.\ul0\nosupers
ub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 For existing homes with an estimat
ed replacement value less than or equal to $500,000 and \up0 \expndtw0\charscale
x100 eligible for a full discount, the premium payable by the policyholder would
be simply the premium \up0 \expndtw-3\charscalex100 charged by the insurer on t
he portion of the risk that it retains. \par\pard\qj \li1418\ri1209\sb240\sl-260
\slmult0 \up0 \expndtw0\charscalex100 7.12.\ul0\nosupersub\cf11\f12\fs22 \ul0\n
osupersub\cf4\f5\fs22 For existing homes with an estimated replacement value gre
ater than $500,000, the premium \up0 \expndtw-2\charscalex100 charged to the pol
icyholder would be made up of two elements: the premium charged by the insurer \
up0 \expndtw0\charscalex104 on the portion retained by the insurer and the premi
um charged by the reinsurance pool to the \up0 \expndtw-2\charscalex100 insurer,
or by the insurer on its own account, to cover the risk in excess of $500,000.
\par\pard\ql \li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \
par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \pa
r\pard\ql\li5855\sb76\sl-207\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupers
ub\cf6\f7\fs18 56
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g62}{\bkmkend Pg62}\par\pard\ql \li5780\sb0\sl-207\slmult0 \par\pard\ql\li5780\s
b0\sl-207\slmult0 \par\pard\ql\li5780\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 7: A flood premium discount and rein
surance system \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\s
l-253\slmult0 \par\pard\ql\li1526\sb129\sl-253\slmult0 \up0 \expndtw-3\charscale
x100 \ul0\nosupersub\cf16\f17\fs22 Recommendation 17: \par\pard\qj \li1526\ri133

3\sb117\sl-266\slmult0 \up0 \expndtw0\charscalex106 \ul0\nosupersub\cf4\f5\fs22

That for home building insurance policies receiving full discounts, policyholder
s pay for that \up0 \expndtw0\charscalex104 portion of the risk retained by the
insurer and pay nothing for the remainder of the risk up to \up0 \expndtw-2\char
scalex100 $500,000. For properties with a value greater than $500,000 policyhold
ers then pay the full cost of \up0 \expndtw-3\charscalex100 the portion of risk
exceeding $500,000. \par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\
ri1237\sb259\sl-260\slmult0 \up0 \expndtw0\charscalex100 7.13.\ul0\nosupersub\cf
11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 For existing home units, the discount w
ould operate in the same way for the whole complex, \line \up0 \expndtw0\charsca
lex102 with the limit applying at $500,000 times the number of units in the comp
lex. (For example, in an \line \up0 \expndtw0\charscalex102 apartment block of 2
0 units, full discounts would apply unless the value of the complex exceeded \li
ne \up0 \expndtw-3\charscalex100 $10 million.) \par\pard\ql \li1526\sb0\sl-253\s
lmult0 \par\pard\ql\li1526\sb113\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \u
l0\nosupersub\cf16\f17\fs22 Recommendation 18: \par\pard\qj \li1526\ri1335\sb93\
sl-270\slmult0 \up0 \expndtw0\charscalex105 \ul0\nosupersub\cf4\f5\fs22 That for
body corporate insurance policies receiving full discounts, policyholders pay f
or that \up0 \expndtw0\charscalex104 portion of the risk retained by the insurer
and pay nothing for the remainder of the risk up to \up0 \expndtw0\charscalex10
0 $500,000 times the number of units. For properties with a value greater than $
500,000 times the \up0 \expndtw0\charscalex104 number of units policyholders the
n pay the full cost of the portion of risk exceeding $500,000 \up0 \expndtw-3\ch
arscalex100 times the number of units. \par\pard\qj \li1418\sb0\sl-260\slmult0 \
par\pard\qj\li1418\ri1219\sb259\sl-260\slmult0 \up0 \expndtw0\charscalex100 7.14
.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 For contents of exis
ting homes and home units, discounts would be limited to the difference \up0 \ex
pndtw-3\charscalex100 between the portion of the risk retained by the insurer an
d $100,000. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb113\sl
-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recomme
ndation 19: \par\pard\qj \li1526\ri1341\sb91\sl-273\slmult0 \up0 \expndtw0\chars
calex100 \ul0\nosupersub\cf4\f5\fs22 That for home contents insurance policies,
policyholders pay for that portion of the risk retained \line \up0 \expndtw0\cha
rscalex100 by the insurer and pay nothing for the remainder of the risk up to $1
00,000. For contents with a \line \up0 \expndtw0\charscalex100 value greater tha
n $100,000 policyholders then pay the full cost of the portion of risk exceeding
\line \up0 \expndtw-3\charscalex100 $100,000. \par\pard\qj \li1418\sb0\sl-260\s
lmult0 \par\pard\qj\li1418\ri1215\sb238\sl-260\slmult0 \up0 \expndtw0\charscalex
104 7.15.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The discount
s would be phased out over time by means of the pool charging progressively \up0
\expndtw0\charscalex103 higher premiums for the portion of the risk ceded to it
by the insurer. The reinsurance premiums \up0 \expndtw-2\charscalex100 would co
ntinue to rise until policyholders eventually pay the full premium for flood cov
er. \par\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmul
t0 \par\pard\ql\li1418\sb40\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf9\f10\fs28 D\ul0\nosupersub\cf10\f11\fs22 ELIVERING FLOOD PREMIUM DIS
COUNTS ACROSS THE FLOOD RISK SPECTRUM \par\pard\qj \li1418\sb0\sl-260\slmult0 \p
ar\pard\qj\li1418\ri1241\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex103 \ul0\no
supersub\cf4\f5\fs22 7.16.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\
fs22 To set discounts or, equivalently, maximum prices for flood cover that meet
the criteria for \line \up0 \expndtw-1\charscalex100 affordability of premiums
will be a matter of judgment. These criteria can be expressed as premiums \line
\up0 \expndtw-2\charscalex100 that: \par\pard\li1985\sb249\sl-253\slmult0\fi0\tx
2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up
0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 represent reasonable or u
seful contributions to the cost of flood cover;\par\pard\li1985\sb247\sl-253\slm
ult0\fi0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u82
26?\tab \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 are higher for
higher flood risk; but\par\pard\li1985\sb246\sl-253\slmult0\fi0\tx2551 \up0 \ex
pndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-2\

charscalex100 \ul0\nosupersub\cf4\f5\fs22 are not so high as to cause a material

increase in levels of non-insurance.\par\pard\qj \li1418\ri1239\sb240\sl-260\sl
mult0 \up0 \expndtw-1\charscalex100 7.17.\ul0\nosupersub\cf11\f12\fs22 \ul0\nos
upersub\cf4\f5\fs22 Because flood cover has not been widely offered by insurers
in the past, there is limited claims \line \up0 \expndtw0\charscalex104 experien
ce on which to draw and therefore very limited data to assess the probability of
floods \line \up0 \expndtw0\charscalex103 occurring, probable height levels of
inundation and likely levels of damage to houses at different \par\pard\ql \li58
55\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855
\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\s
b16\sl-207\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs18 57
{\shp {\*\shpinst\shpleft1418\shptop1399\shpright1527\shpbottom3212\shpfhdr0\shp
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{\shp {\*\shpinst\shpleft1526\shptop2165\shpright10385\shpbottom2435\shpfhdr0\sh
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{\shp {\*\shpinst\shpleft1526\shptop4760\shpright10385\shpbottom5250\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz222\shplid9
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\shp {\*\shpinst\shpleft1526\shptop5518\shpright10385\shpbottom5788\shpfhdr0\sh
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{\shp {\*\shpinst\shpleft1526\shptop6325\shpright10385\shpbottom6835\shpfhdr0\sh
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{\shp {\*\shpinst\shpleft1526\shptop8620\shpright10385\shpbottom8889\shpfhdr0\sh
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{\shp {\*\shpinst\shpleft1526\shptop9157\shpright10385\shpbottom9667\shpfhdr0\sh
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g63}{\bkmkend Pg63}\par\pard\ql \li5780\sb0\sl-207\slmult0 \par\pard\ql\li5780\s
b0\sl-207\slmult0 \par\pard\ql\li5780\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 7: A flood premium discount and rein
surance system \par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri121
2\sb230\sl-260\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22
levels of inundation. Furthermore, floods are low frequency events, sometimes w
ith high severity (as \up0 \expndtw-2\charscalex100 in January 2011), flood mapp
ing is imprecise and the quality of flood mapping is uneven. \par\pard\qj \li141
8\ri1234\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex107 7.18.\ul0\nosupersub\
cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Taken together, these factors mean th
at estimating the costs of flood risk for insurance \up0 \expndtw-1\charscalex10
0 purposes is a very inexact and approximate exercise, whether considering the w
hole or only parts of \up0 \expndtw-3\charscalex100 the risk of flood damage. \p
ar\pard\ql \li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb69\sl-299\slmult0 \u
p0 \expndtw-3\charscalex100 \ul0\nosupersub\cf18\f19\fs26 An illustrative propos
al for flood premium discounts \par\pard\qj \li1418\ri1219\sb234\sl-260\slmult0
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 7.19.\ul0\nosupersub\c
f11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 With these caveats about uncertainty,
the Review Panel has attempted to prepare some ideas \up0 \expndtw0\charscalex10
0 and to give some general guidance as to how discounted flood risk premiums mig
ht be assessed to \up0 \expndtw-2\charscalex100 take account of affordability co
nsiderations as explained in Chapter 3. \par\pard\qj \li1418\ri1223\sb240\sl-260
\slmult0 \up0 \expndtw-1\charscalex100 7.20.\ul0\nosupersub\cf11\f12\fs22 \ul0\
nosupersub\cf4\f5\fs22 The starting point is considering the number of homes sub
ject to flood risk, based on the table \up0 \expndtw-1\charscalex100 from the In

surance Council shown in Table 2 in Chapter 3, which subdivides homes exposed to

flood \up0 \expndtw-3\charscalex100 risk into four risk classifications (low, m
edium, high and extreme). \par\pard\qj \li1418\ri1218\sb240\sl-260\slmult0 \up0
\expndtw-1\charscalex100 7.21.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4
\f5\fs22 Taking initially the homes subject to low to medium flood risk , this s
ub group of homes can be \up0 \expndtw0\charscalex102 subdivided according to th
e \u8216?first loss\u8217? proportions that might be used to set discounts and a
lso to \up0 \expndtw-2\charscalex100 determine what size of \u8216?first loss\u8
217? the insurer would be expected to underwrite. \par\pard\qj \li1985\ri1235\sb
240\sl-260\slmult0 \up0 \expndtw0\charscalex105 \ul0\nosupersub\cf19\f20\fs22 Ex
planation: if the \u8216?first loss\u8217? proportion is 5% on a property with a
value of $300,000, the \up0 \expndtw0\charscalex104 insurer would meet all clai
ms up to $15,000 annually claim costs above $15,000 would be \up0 \expndtw-3\cha
rscalex100 covered by reinsurance. \par\pard\qj \li1418\ri1225\sb240\sl-260\slmu
lt0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 7.22.\ul0\nosupers
ub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The \u8216?affordability threshold
\u8217? could then be set as the price point generated by the \u8216?first loss\
u8217? at \up0 \expndtw-2\charscalex100 the one per cent, or one in 100 year flo
od risk level, which can be taken generally as being within the \up0 \expndtw0\c
harscalex100 medium flood risk band. This threshold is put forward because flood
mapping exists at this level for \up0 \expndtw-3\charscalex100 most parts of Au
stralia, albeit of differing quality. \par\pard\qj \li1418\ri1212\sb240\sl-260\s
lmult0 \up0 \expndtw-1\charscalex100 7.23.\ul0\nosupersub\cf11\f12\fs22 \ul0\no
supersub\cf4\f5\fs22 If a benchmark is set as a general affordability threshold
of about $200 per annum of flood risk \up0 \expndtw0\charscalex104 premium for h
omes with low to medium flood risk, as suggested in Chapter 3, and assuming all
\up0 \expndtw-2\charscalex100 homes are of average value, the picture might be
approximately as follows: \par\pard\ql \li1985\sb246\sl-253\slmult0\tx2551 \up0
\expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226? \tab \up0 \expndt
w-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 of the 6.2 million homes in Austra
lia, all but 450,000 (that is, more than 5.5 million) are \par\pard\qj \li2551\r
i1227\sb2\sl-260\slmult0 \up0 \expndtw-2\charscalex100 not subject to flood risk
and therefore their owners should expect to pay no additional \up0 \expndtw-2\c
harscalex100 premium to obtain flood cover; \par\pard\li1985\sb0\sl-253\slmult0\
par\pard\li1985\sb11\sl-253\slmult0\fi0\tx2551 \up0 \expndtw-3\charscalex100 \ul
0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-3\charscalex100 \ul0\nosupe
rsub\cf4\f5\fs22 of the 450,000 homes subject to flood risk;\par\pard\ql \li2551
\ri1222\sb224\sl-260\slmult0\tx2837\tx2837 \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf20\f21\fs22 -\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs
22 about 100,000 should be able to be underwritten fully by insurers with no n
eed for \line\tab \up0 \expndtw0\charscalex103 the insurers to use the reinsuran
ce pool and no need for the homeowners to be \line\tab \up0 \expndtw-3\charscale
x100 offered discounts for affordability purposes; \par\pard\ql \li2551\ri1223\s
b240\sl-260\slmult0\tx2837\tx2837\tx2837\tx2837 \up0 \expndtw0\charscalex100 \ul
0\nosupersub\cf20\f21\fs22 -\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f
5\fs22 about 200,000 should be able to be insured with the assistance of flood
premium \line\tab \up0 \expndtw-3\charscalex100 discounts and use of the reinsu
rance pool such than no policyholder pays more than \line\tab \up0 \expndtw-1\ch
arscalex100 $200 per annum for flood cover and the insurer accepts, depending on
the level of \line\tab \up0 \expndtw-2\charscalex100 flood risk, a first loss o
f 3 per cent, 5 per cent, 10 per cent or 20 per cent, depending \line\tab \up0 \
expndtw-3\charscalex100 on the level of flood risk for the home; and \par\pard\q
l \li2551\ri1227\sb240\sl-260\slmult0\tx2837\tx2837 \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf20\f21\fs22 -\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\
cf4\f5\fs22 for the estimated remaining 150,000 homes with flood risk that is
higher than 1 per \line\tab \up0 \expndtw0\charscalex109 cent, that is, within t
he 1 in 100 year flood zones, there are some additional \line\tab \up0 \expndtw3\charscalex100 problems to be considered. \par\pard\ql \li5855\sb0\sl-207\slmul
t0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0
\par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb16\sl-207\slmult0

\up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs18 58 \par\pard\sect\sect

d\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg64}{\bkmkend Pg64}\p
ar\pard\ql \li5780\sb0\sl-207\slmult0 \par\pard\ql\li5780\sb0\sl-207\slmult0 \pa
r\pard\ql\li5780\sb14\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf1\f2\fs18 Chapter 7: A flood premium discount and reinsurance system \par\p
ard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb242\sl-253\slmult0 \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 7.24.\ul0\nosupersub\cf11\f
12\fs22 \ul0\nosupersub\cf4\f5\fs22 Looking further at these 150,000 homes with
the higher levels of flood risk: \par\pard\ql \li1985\sb247\sl-253\slmult0\tx25
51 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226? \tab \up0
\expndtw0\charscalex103 \ul0\nosupersub\cf4\f5\fs22 for the 100,000 homes where
flood risk is high but not extreme, if insurers were to \par\pard\qj \li2551\ri
1219\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex107 underwrite them on the basi
s of a first loss of 3 per cent, flood premiums would \up0 \expndtw-3\charscalex
100 probably range from around $250 to perhaps $1,000 per annum; and \par\pard\q
l \li1985\sb246\sl-253\slmult0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosuper
sub\cf20\f21\fs22 \u8226? \tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\
f5\fs22 at the extreme risk end, it is likely that some 50,000 homes have such h
igh flood risk \par\pard\qj \li2551\ri1226\sb2\sl-260\slmult0 \up0 \expndtw0\cha
rscalex100 that flood insurance premiums would be some thousands of dollars, eve
n on a 3 per \up0 \expndtw0\charscalex100 cent first loss basis. There will be h
omes with a high flood risk where the cost of flood \up0 \expndtw0\charscalex103
damage to the home in the event of flood is low. This kind of situation can occ
ur in \up0 \expndtw0\charscalex102 homes which may take in water during a flood
but where the habitable floor level is \up0 \expndtw-2\charscalex100 elevated ab
ove known flood levels or where the construction and fittings are such that, \up
0 \expndtw0\charscalex100 after flood waters recede, the home can be simply hose
d down and washed out, with \up0 \expndtw-3\charscalex100 habitation quickly and
easily re-established. \par\pard\qj \li1418\ri1219\sb240\sl-260\slmult0 \up0 \e
xpndtw0\charscalex100 7.25.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5
\fs22 The Review Panel has no statistics on the composition of this population o
f homes at extreme \up0 \expndtw0\charscalex102 risk of flood. In these cases th
e question arises whether requiring these homeowners to purchase \up0 \expndtw0\
charscalex103 flood insurance and pay a premium of many thousands of dollars is
the optimal way to deal with \up0 \expndtw-3\charscalex100 their risk of flood f
rom their own and the community\u8217?s point of view. \par\pard\ql \li1418\sb24
6\sl-253\slmult0\tx4693 \up0 \expndtw0\charscalex105 7.26.\ul0\nosupersub\cf11\f
12\fs22 \ul0\nosupersub\cf4\f5\fs22 Note, incidentally, that the \tab \up0 \exp
ndtw0\charscalex105 $200 \u8216?affordability threshold\u8217? used in this illu
stration should \par\pard\qj \li1418\ri1224\sb2\sl-260\slmult0 \up0 \expndtw-1\c
harscalex100 probably be moved up or down by about 15 per cent or $30 for each $
100,000 of value of the home \up0 \expndtw-3\charscalex100 by which it exceeds o
r falls short of the average value. \par\pard\qj \li1418\ri1230\sb240\sl-260\slm
ult0 \up0 \expndtw0\charscalex105 7.27.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosup
ersub\cf4\f5\fs22 It then becomes a matter of judgment as to whether in the firs
t two to three years of the \up0 \expndtw0\charscalex102 scheme, the owners of a
ny or all of these homes should be asked to pay the premium required to \up0 \ex
pndtw-3\charscalex100 meet a first loss of 3 per cent: \par\pard\ql \li1985\sb24
6\sl-253\slmult0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\f
s22 \u8226? \tab \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 in ca
ses where the answer is yes, these properties would be treated in the same way a
s \par\pard\ql \li2551\sb7\sl-253\slmult0 \up0 \expndtw-3\charscalex100 the othe
r 300,000 homes where the flood risk is lower; and \par\pard\ql \li1985\sb247\sl
-253\slmult0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22
\u8226? \tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 in cases
where the answer is no, it would be open to the Agency to consider accepting \pa
r\pard\qj \li2551\ri1217\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex102 the who
le flood risk from the insurer, with the owner paying a capped premium for \up0
\expndtw-2\charscalex100 flood risk (for example $300 or $500) but subject to fu
rther investigation. \par\pard\qj \li1418\ri1227\sb240\sl-260\slmult0 \up0 \expn

dtw0\charscalex100 7.28.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs

22 As already noted in Chapter 3, homes exposed to extreme flood risk should be
assessed as \up0 \expndtw0\charscalex104 soon as possible for flood mitigation p
urposes. In the meantime, these homes will need flood \up0 \expndtw-3\charscalex
100 insurance but would not normally be risks acceptable to insurers, even for a
3 per cent first loss. The \up0 \expndtw0\charscalex100 interim solution in the
se cases is the same as above for homes with high flood risk which are not \up0
\expndtw-3\charscalex100 paying for the full three per cent of cover but are pay
ing a capped premium and where the whole of \up0 \expndtw-4\charscalex100 the fl
ood risk is ceded to the pool. \par\pard\qj \li1418\ri1230\sb240\sl-260\slmult0
\up0 \expndtw0\charscalex100 7.29.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub
\cf4\f5\fs22 Homes with a very high, but not extreme, risk of flood should also
be assessed for flood risk \line \up0 \expndtw-2\charscalex100 mitigation work a
lready undertaken and flood risk mitigation potential. The size of the required
flood \line \up0 \expndtw-3\charscalex100 premium, however, is such that there i
s less urgency to assess these homes than those with extreme \line \up0 \expndtw
-4\charscalex100 flood risk. \par\pard\ql \li5855\sb0\sl-207\slmult0 \par\pard\q
l\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\
li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li
5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li58
55\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855
\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\s
b0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb5
3\sl-207\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs18 59 \p
ar\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg65}
{\bkmkend Pg65}\par\pard\ql \li5780\sb0\sl-207\slmult0 \par\pard\ql\li5780\sb0\s
l-207\slmult0 \par\pard\ql\li5780\sb14\sl-207\slmult0 \up0 \expndtw-2\charscalex
100 \ul0\nosupersub\cf1\f2\fs18 Chapter 7: A flood premium discount and reinsura
nce system \par\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-25
3\slmult0 \par\pard\ql\li1418\sb9\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \
ul0\nosupersub\cf16\f17\fs22 Diagrammatic representation \par\pard\ql \li1621\sb
175\sl-195\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf34\f35\fs16 1
40\par\pard\sect\sectd\sbknone\cols4\colno1\colw2407\colsr160\colno2\colw2319\co
lsr160\colno3\colw815\colsr160\colno4\colw5759\colsr160\ql \li1621\sb0\sl-161\sl
mult0 \par\pard\ql \li1621\sb0\sl-161\slmult0 \par\pard\ql \li1621\sb0\sl-161\sl
mult0 \par\pard\ql \li1621\sb0\sl-161\slmult0 \par\pard\ql \li1645\sb102\sl-161\
slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf36\f37\fs13 1600\par\par
d\ql \li1621\sb0\sl-195\slmult0 \par\pard\ql \li1621\sb0\sl-195\slmult0 \par\par
d\ql \li1621\sb0\sl-195\slmult0 \par\pard\ql \li1621\sb111\sl-195\slmult0 \up0 \
expndtw-7\charscalex93 \ul0\nosupersub\cf34\f35\fs16 1\ul0\nosupersub\cf36\f37\f
s13 800\par\pard\ql \li1706\sb0\sl-195\slmult0 \par\pard\ql \li1706\sb0\sl-195\s
lmult0 \par\pard\ql \li1706\sb0\sl-195\slmult0 \par\pard\ql \li1706\sb111\sl-195
\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf34\f35\fs16 80\par\pard
\ql \li1674\sb0\sl-161\slmult0 \par\pard\ql \li1674\sb0\sl-161\slmult0 \par\pard
\ql \li1674\sb0\sl-161\slmult0 \par\pard\ql \li1674\sb0\sl-161\slmult0 \par\pard
\ql \li1674\sb59\sl-161\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
36\f37\fs13 400\par\pard\ql \li1674\sb0\sl-161\slmult0 \par\pard\ql \li1674\sb0\
sl-161\slmult0 \par\pard\ql \li1674\sb0\sl-161\slmult0 \par\pard\ql \li1674\sb0\
sl-161\slmult0 \par\pard\ql \li1674\sb22\sl-161\slmult0 \up0 \expndtw-1\charscal
ex100 200\par\pard\column \ql \li3955\sb0\sl-161\slmult0 \par\pard\ql \li3955\sb
0\sl-161\slmult0 \par\pard\ql \li3955\sb0\sl-161\slmult0 \par\pard\ql \li1408\sb
123\sl-161\slmult0 \up0 \expndtw-2\charscalex100 Low Flood Risk\par\pard\ql \li2
567\sb0\sl-166\slmult0 \par\pard\ql \li2567\sb0\sl-166\slmult0 \par\pard\ql \li2
567\sb0\sl-166\slmult0 \par\pard\ql \li2567\sb0\sl-166\slmult0 \par\pard\ql \li2
567\sb0\sl-166\slmult0 \par\pard\ql \li2567\sb0\sl-166\slmult0 \par\pard\ql \li2
567\sb0\sl-166\slmult0 \par\pard\ql \li2567\sb0\sl-166\slmult0 \par\pard\ql \li2
567\sb0\sl-166\slmult0 \par\pard\ql \li2567\sb0\sl-166\slmult0 \par\pard\ql \li2
567\sb0\sl-166\slmult0 \par\pard\ql \li2567\sb0\sl-166\slmult0 \par\pard\ql \li2
567\sb0\sl-166\slmult0 \par\pard\ql \li2567\sb0\sl-166\slmult0 \par\pard\ql \li2
0\ri283\sb140\sl-166\slmult0\fi243\tx1640\tx1514 \up0 \expndtw-2\charscalex100 F

ully\tab \up0 \expndtw-1\charscalex100 20% \line \up0 \expndtw-2\charscalex100 u

nderwritten \tab \up0 \expndtw-2\charscalex100 First loss\par\pard\column \ql \l
i5036\sb0\sl-161\slmult0 \par\pard\ql \li5036\sb0\sl-161\slmult0 \par\pard\ql \l
i5036\sb0\sl-161\slmult0 \par\pard\ql \li5036\sb0\sl-161\slmult0 \par\pard\ql \l
i5036\sb0\sl-161\slmult0 \par\pard\ql \li5036\sb0\sl-161\slmult0 \par\pard\ql \l
i5036\sb0\sl-161\slmult0 \par\pard\ql \li5036\sb0\sl-161\slmult0 \par\pard\ql \l
i5036\sb0\sl-161\slmult0 \par\pard\ql \li5036\sb0\sl-161\slmult0 \par\pard\ql \l
i5036\sb0\sl-161\slmult0 \par\pard\ql \li5036\sb0\sl-161\slmult0 \par\pard\ql \l
i5036\sb0\sl-161\slmult0 \par\pard\ql \li5036\sb0\sl-161\slmult0 \par\pard\ql \l
i5036\sb0\sl-161\slmult0 \par\pard\ql \li5036\sb0\sl-161\slmult0 \par\pard\ql \l
i5036\sb0\sl-161\slmult0 \par\pard\ql \li5036\sb0\sl-161\slmult0 \par\pard\ql \l
i5036\sb0\sl-161\slmult0 \par\pard\ql \li5036\sb0\sl-161\slmult0 \par\pard\ql \l
i144\sb71\sl-161\slmult0 \up0 \expndtw-1\charscalex100 10%\par\pard\ql \li20\sb6
\sl-161\slmult0 \up0 \expndtw-2\charscalex100 First loss\par\pard\column \qj \li
7067\sb0\sl-133\slmult0 \par\pard\qj \li7067\sb0\sl-133\slmult0 \par\pard\qj \li
7067\sb0\sl-133\slmult0 \par\pard\qj \li7067\sb0\sl-133\slmult0 \par\pard\qj \li
1086\ri1339\sb33\sl-133\slmult0\fi1700\tx3594 \up0 \expndtw-2\charscalex100 High
flood\tab \up0 \expndtw-2\charscalex100 Extreme flood \up0 \expndtw-2\charscale
x100 Medium flood risk\par\pard\ql \li2976\sb0\sl-126\slmult0\tx3891 \up0 \expnd
tw-2\charscalex100 risk\tab \up0 \expndtw-2\charscalex100 risk\par\pard\ql \li60
01\sb0\sl-161\slmult0 \par\pard\ql \li6001\sb0\sl-161\slmult0 \par\pard\ql \li60
01\sb0\sl-161\slmult0 \par\pard\ql \li6001\sb0\sl-161\slmult0 \par\pard\ql \li60
01\sb0\sl-161\slmult0 \par\pard\ql \li6001\sb0\sl-161\slmult0 \par\pard\ql \li60
01\sb0\sl-161\slmult0 \par\pard\ql \li6001\sb0\sl-161\slmult0 \par\pard\ql \li60
01\sb0\sl-161\slmult0 \par\pard\ql \li6001\sb0\sl-161\slmult0 \par\pard\ql \li60
01\sb0\sl-161\slmult0 \par\pard\ql \li6001\sb0\sl-161\slmult0 \par\pard\ql \li60
01\sb0\sl-161\slmult0 \par\pard\ql \li6001\sb0\sl-161\slmult0 \par\pard\ql \li17
9\sb115\sl-161\slmult0\tx1111 \up0 \expndtw-2\charscalex100 5%\tab \up0 \expndtw
-2\charscalex100 3%\par\pard\ql \li20\ri4285\sb29\sl-133\slmult0\tx958 \up0 \exp
ndtw-2\charscalex100 First loss \line\tab \up0 \expndtw-2\charscalex100 First lo
ss \par\pard\sect\sectd\sbknone \ql \li1674\sb0\sl-161\slmult0 \par\pard\ql\li16
74\sb0\sl-161\slmult0 \par\pard\ql\li1674\sb0\sl-161\slmult0 \par\pard\ql\li1674
\sb0\sl-161\slmult0 \par\pard\ql\li1674\sb0\sl-161\slmult0 \par\pard\ql\li1674\s
b15\sl-161\slmult0 \up0 \expndtw-1\charscalex100 100 \par\pard\ql \li1795\sb0\sl
-161\slmult0 \par\pard\ql\li1795\sb0\sl-161\slmult0 \par\pard\ql\li1795\sb0\sl-1
61\slmult0 \par\pard\ql\li1795\sb0\sl-161\slmult0 \par\pard\ql\li1795\sb35\sl-16
1\slmult0 \up0 \expndtw-2\charscalex100 0 \par\pard\li1993\sb58\sl-161\slmult0\f
i0\tx2856\tx3728\tx4668\tx5638\tx6525\tx7465\tx8436\tx9347\tx10287\tx11221 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf37\f38\fs13 0\tab \up0 \expndtw-2\cha
rscalex100 50\tab \up0 \expndtw-2\charscalex100 100\tab \up0 \expndtw-2\charscal
ex100 150\tab \up0 \expndtw-2\charscalex100 200\tab \up0 \expndtw-1\charscalex10
0 250\ul0\nosupersub\cf34\f35\fs16 0\tab \up0 \expndtw-2\charscalex100 \ul0\nosu
persub\cf37\f38\fs13 300\tab \up0 \expndtw-2\charscalex100 350\tab \up0 \expndtw
-2\charscalex100 400\tab \up0 \expndtw-2\charscalex100 450\tab \dn3 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf34\f35\fs16 200\par\pard\ql \li4054\sb73\sl-218\s
lmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf35\f36\fs18 Numbers of ho
mes with flood risk, ranked by level of flood risk ('000) \par\pard\ql \li1418\s
b7\sl-213\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 7.30
.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Figure 2 is a pictor
ial representation of the illustrative proposal for discounts described above. \
par\pard\qj \li1418\ri1215\sb9\sl-260\slmult0 \up0 \expndtw0\charscalex107 It sh
ows that, for those homes at low flood risk, the premium will be below the \u821
6?affordability \up0 \expndtw0\charscalex107 threshold\u8217? of $200 and so can
be fully underwritten by insurers (the left-hand segment of the \up0 \expndtw0\
charscalex100 diagram). As the risk of flood rises, the proportion of the risk r
etained by the insurer falls to ensure \up0 \expndtw-2\charscalex100 that the pr
emium paid by the policyholder does not exceed the threshold. \par\pard\qj \li14
18\ri1207\sb240\sl-260\slmult0 \up0 \expndtw-1\charscalex100 7.31.\ul0\nosupersu
b\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 At extreme risk of flood, the premi
um could become unaffordable and may need to be capped. \up0 \expndtw0\charscale

x100 The horizontal line shown marked on the right hand side at $400 demonstrate
s how the maximum \up0 \expndtw0\charscalex107 flood premium would cut in. The r
ed line (the curve) on the right-hand side shows where the \up0 \expndtw-2\chars
calex100 discounted flood premiums would be for a 3 per cent first loss if there
were no cap. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb113\
sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recom
mendation 20: \par\pard\qj \li1526\ri1312\sb85\sl-280\slmult0 \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf4\f5\fs22 That homes at high and extreme risk of f
lood be provided with discounts initially and that they be \line \up0 \expndtw-2
\charscalex100 assessed regularly for mitigation work already undertaken and the
potential for further mitigation. \par\pard\ql \li1418\sb0\sl-253\slmult0 \par\
pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pa
rd\ql\li1418\sb44\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\c
f9\f10\fs28 D\ul0\nosupersub\cf10\f11\fs22 ESIGNING THE REINSURANCE FACILITY \pa
r\pard\ql \li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb90\sl-299\slmult0 \up
0 \expndtw-3\charscalex100 \ul0\nosupersub\cf18\f19\fs26 A \u8216?first loss\u82
17? model \par\pard\qj \li1418\ri1220\sb234\sl-260\slmult0 \up0 \expndtw0\charsc
alex100 \ul0\nosupersub\cf4\f5\fs22 7.32.\ul0\nosupersub\cf11\f12\fs22 \ul0\nos
upersub\cf4\f5\fs22 As discussed earlier, the model proposed requires insurers t
o retain a portion of the flood risk \up0 \expndtw-2\charscalex100 and to underw
rite and price that portion of the risk themselves. The portion of each risk not
retained \up0 \expndtw-3\charscalex100 by the insurer would be ceded to the rei
nsurance pool. \par\pard\ql \li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\s
l-207\slmult0 \par\pard\ql\li5855\sb190\sl-207\slmult0 \up0 \expndtw-3\charscale
x100 \ul0\nosupersub\cf6\f7\fs18 60
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{\sp{\sn pSegmentInfo}{\sv 2;9;16384;45824;1;45824;1;45824;1;45824;32768}}

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{\shp {\*\shpinst\shpleft1430\shptop3160\shpright1817\shpbottom6724\shpfhdr0\shp
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sub\cf35\f36\fs18 Discounted flood risk premium ($){\par}}}}
\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg6
6}{\bkmkend Pg66}\par\pard\ql \li5780\sb0\sl-207\slmult0 \par\pard\ql\li5780\sb0
\sl-207\slmult0 \par\pard\ql\li5780\sb14\sl-207\slmult0 \up0 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 7: A flood premium discount and reinsu
rance system \par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1227\
sb230\sl-260\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 7
.33.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The proposed rein
surance pool would operate on an \u8216?excess of loss\u8217? basis. Insurers wo
uld carry \line \up0 \expndtw0\charscalex100 the first part of any loss incurred
following a flood and would charge a commercial premium to the \line \up0 \expn
dtw-1\charscalex100 policyholder in respect of the portion of the flood risk tha

t they retained. The portion of the risk that \line \up0 \expndtw-2\charscalex10
0 the insurer did not retain would be reinsured by the pool. That is, the pool w
ould pay any claims that \line \up0 \expndtw0\charscalex105 exceeded the amount
of the loss that the insurer retained and would charge a premium to the \line \u
p0 \expndtw0\charscalex102 insurer for carrying this portion of the flood risk.
The idea of using this \u8216?first loss\u8217? or excess of loss \line \up0 \ex
pndtw0\charscalex103 approach for the purpose of operating the reinsurance pool
was originally inspired by the Allianz \line \up0 \expndtw-3\charscalex100 Austr
alia submission to the Review. \par\pard\qj \li1418\ri1219\sb240\sl-260\slmult0
\up0 \expndtw0\charscalex102 7.34.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub
\cf4\f5\fs22 By retaining the first loss, insurers would fully cover all small f
lood claims. For example, if an \line \up0 \expndtw0\charscalex105 insurer retai
ned 5 per cent of the flood risk on a home with an estimated replacement value o
f \line \up0 \expndtw0\charscalex102 $300,000, it would cover all claims that we
re equal to or less than 5 per cent of $300,000 which is \line \up0 \expndtw0\ch
arscalex107 $15,000. Because many flood claims are small in amount and only some
flood claims result in \line \up0 \expndtw-2\charscalex100 extensive rebuilding
costs, a 5 per cent retention level by insurers would cover significant numbers
of \line \up0 \expndtw0\charscalex102 flood claims. Available statistics, while
very approximate, suggest that if insurers retained five per \line \up0 \expndt
w0\charscalex103 cent of the flood risk, they would cover around half of all flo
od claims by number and would also \line \up0 \expndtw0\charscalex100 cover arou
nd 30 per cent of the total cost of flood claims. Insurers are well able to unde
rwrite this \line \up0 \expndtw-3\charscalex100 level of flood risk on a \u8216?
first loss\u8217? basis. \par\pard\qj \li1418\ri1216\sb240\sl-260\slmult0 \up0 \
expndtw0\charscalex106 7.35.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f
5\fs22 This \u8216?first loss\u8217? approach therefore has a number of benefits
. It leaves insurers to carry a \up0 \expndtw0\charscalex100 portion of the risk
that they can readily underwrite. The insurer would price the portion of the ri
sk \up0 \expndtw0\charscalex105 that it retains taking into account its o
wn assessment of the risk and other commercial \up0 \expndtw0\charscalex1
07 considerations. The premium for this portion of the risk would therefore refl
ect the insurer\u8217?s \up0 \expndtw-3\charscalex100 assessment of risk and hig
her risks would result in higher premiums. \par\pard\qj \li1418\ri1207\sb240\sl260\slmult0 \up0 \expndtw0\charscalex100 7.36.\ul0\nosupersub\cf11\f12\fs22 \ul
0\nosupersub\cf4\f5\fs22 The insurer would also retain full responsibility for m
anaging the policy and the policyholder \line \up0 \expndtw0\charscalex102 would
have no need to interact with the reinsurance pool nor to understand how it ope
rates. The \line \up0 \expndtw-1\charscalex100 premium charged to the policyhold
er would be the sum of the insurer\u8217?s own price for the portion of \line \u
p0 \expndtw0\charscalex100 the risk it retains and the premium the insurer pays
to the pool, plus taxes and charges (that is, fire \line \up0 \expndtw-2\charsca
lex100 services levy in those States where it applies, stamp duty and GST). The
premium charged by the pool \line \up0 \expndtw-1\charscalex100 to the insurer w
ould be transparent to the policyholder and, where the premium the insurer pays
to \line \up0 \expndtw-2\charscalex100 the pool is discounted, the policyholder
would be informed of the level of discount. \par\pard\qj \li1418\ri1223\sb240\sl
-260\slmult0 \up0 \expndtw0\charscalex100 7.37.\ul0\nosupersub\cf11\f12\fs22 \u
l0\nosupersub\cf4\f5\fs22 This approach also avoids the need for policyholders t
o provide any additional information to \up0 \expndtw-1\charscalex100 insurers o
r to involve other agencies in order to gain access to the discounts. The discou
nt would be \up0 \expndtw0\charscalex102 communicated when the policyholder
purchases or renews the insurance policy. The policy \up0 \expndtw0\chars
calex105 documentation provided by the insurer would show the premium being char
ged and what the \up0 \expndtw-3\charscalex100 premium would be without the disc
ount. \par\pard\ql \li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb69\sl-299\sl
mult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf18\f19\fs26 The reinsuranc
e structure \par\pard\qj \li1418\ri1206\sb234\sl-260\slmult0 \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf4\f5\fs22 7.38.\ul0\nosupersub\cf11\f12\fs22 \ul0\
nosupersub\cf4\f5\fs22 The proposed reinsurance approach is in the nature of a \

u8216?facultative/obligatory treaty\u8217?; that is, \line \up0 \expndtw-2\chars

calex100 one where insurers can cede risks to the pool if they wish (facultative
offer) but the pool must accept \line \up0 \expndtw-1\charscalex100 all risks,
at pre-agreed prices (obligatory acceptance). It is expected that the pool would
be \u8216?selected \line \up0 \expndtw0\charscalex102 against\u8217?; that is,
insurers would use it whenever they liked its prices but would not use it for go
od \line \up0 \expndtw0\charscalex100 risks that they could underwrite themselve
s at lower prices. In this way it would enable insurers to \line \up0 \expndtw-2
\charscalex100 limit their own exposure to flood risks and thereby provide capac
ity to the insurance market. \par\pard\qj \li1418\ri1239\sb260\sl-260\slmult0 \u
p0 \expndtw-1\charscalex100 7.39.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\
cf4\f5\fs22 This structure would therefore allow insurers to decide for each ind
ividual property whether to \line \up0 \expndtw0\charscalex104 cede the portion
of the risk above the \u8216?first loss\u8217? to the pool or whether to retain
the whole risk. \line \up0 \expndtw-1\charscalex100 Insurers would compare the p
rice offered by the pool for the portion of the risk that the pool would \line \
up0 \expndtw-1\charscalex100 accept with their own estimate of the price of the
risk. If the insurer did not have data on the \par\pard\ql \li5855\sb0\sl-207\sl
mult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmu
lt0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb136\sl-207\slmu
lt0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs18 61 \par\pard\sect\
sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg67}{\bkmkend Pg6
7}\par\pard\ql \li5780\sb0\sl-207\slmult0 \par\pard\ql\li5780\sb0\sl-207\slmult0
\par\pard\ql\li5780\sb14\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosu
persub\cf1\f2\fs18 Chapter 7: A flood premium discount and reinsurance system \p
ar\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1208\sb230\sl-260\sl
mult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 property to allow
it to price the risk itself, it may cede it to the pool but if, on an underwrit
ing basis, \line \up0 \expndtw-2\charscalex100 the insurer\u8217?s price for the
risk was less than the pool price, the insurer would normally retain the risk.
\par\pard\qj \li1418\ri1219\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex104 7.
40.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Note also, however
, that in those cases where flood premium discounts are being offered \up0 \expn
dtw0\charscalex104 through the pool, usually insurers would use the pool. Then,
as the whole system matures, as is \up0 \expndtw0\charscalex102 intended by the
progressive diminution of the discounts over time, there should be progressively
\up0 \expndtw-3\charscalex100 more risk retention by insurers and less reliance
on the pool. \par\pard\qj \li1418\ri1221\sb240\sl-260\slmult0 \up0 \expndtw0\ch
arscalex105 7.41.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The
pool pricing basis will be important to insurers. The reinsurance price could be
based \line \up0 \expndtw-2\charscalex100 solely on flood risk probability for
the property (that is, the land), assuming a standard damage curve \line \up0 \e
xpndtw0\charscalex102 for the building, that is, it would take account of proper
ty location but not building characteristics \line \up0 \expndtw-1\charscalex100
(design and construction). Under this approach, the pool would need only a limi
ted pricing capability \line \up0 \expndtw0\charscalex100 but insurers who chose
to take a more detailed approach to flood risk assessment and pricing could \li
ne \up0 \expndtw-1\charscalex100 take advantage of that approach for underwritin
g purposes. Alternatively it could take a rather more \line \up0 \expndtw-2\char
scalex100 detailed approach, which would be more costly, more IT system intensiv
e and also encroach more on \line \up0 \expndtw0\charscalex107 the knowledge bas
e of those insurers who have invested more themselves in flood insurance \line \
up0 \expndtw0\charscalex103 analysis. It is likely that the former basis, using
standard damage curves, is the more appropriate \line \up0 \expndtw-3\charscalex
100 basis for pool pricing. \par\pard\qj \li1418\ri1218\sb240\sl-260\slmult0 \up
0 \expndtw0\charscalex100 7.42.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf
4\f5\fs22 This reinsurance arrangement can be thought of as a low intervention a
rrangement. Insurers \up0 \expndtw0\charscalex100 continue to operate in a compe
titive insurance market and are required to assess, price and select \up0 \expnd
tw0\charscalex100 the risks they want to underwrite. Insurers would receive comm

ercial prices for any risks that they \up0 \expndtw-2\charscalex100 underwrite a
nd retain full responsibility for dealing with policyholders. \par\pard\qj \li14
18\ri1229\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex100 7.43.\ul0\nosupersub
\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Competition: By requiring insurers t
o price the risks that they retain and to decide whether or \up0 \expndtw0\chars
calex100 not to cede the risk to the pool, depending upon how their estimated pr
ice for the risk compares to \up0 \expndtw-3\charscalex100 that of the pool, com
petition is retained. \par\pard\qj \li1418\ri1231\sb240\sl-260\slmult0 \up0 \exp
ndtw0\charscalex106 7.44.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\f
s22 Claims: In line with Pivotal Recommendation 2, all home, home contents and h
ome unit \line \up0 \expndtw0\charscalex100 insurance policies would include flo
od cover. The portion of the risk retained by the insurer would \line \up0 \expn
dtw0\charscalex100 therefore provide flood cover. No \u8216?flood versus storm\u
8217? issues would arise for claims that fall within \line \up0 \expndtw0\charsc
alex100 the scope of the risk retained by the insurer. However, as the pool woul
d only provide reinsurance \line \up0 \expndtw0\charscalex102 for flood cover, f
or the portion of the risk ceded to the pool, the question of whether the damage
\line \up0 \expndtw-2\charscalex100 was caused by flood or storm would arise. I
mportantly, these disputes would be between the insurer \line \up0 \expndtw0\cha
rscalex100 and the reinsurance pool, not between the insurer and the policyholde
r. Policyholders would have \line \up0 \expndtw0\charscalex103 their claims dete
rmined without needing to know whether they were classified as flood or storm \l
ine \up0 \expndtw0\charscalex102 cases, and the settlements would not be delayed
by any debate or possible disputes between the \line \up0 \expndtw-3\charscalex
100 pool and the insurer. \par\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\l
i1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb40\sl-253\slmult0 \up0 \expndtw-3
\charscalex100 \ul0\nosupersub\cf9\f10\fs28 A\ul0\nosupersub\cf10\f11\fs22 CCESS
TO THE REINSURANCE POOL \par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li
1418\ri1217\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\
f5\fs22 7.45.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Insurers
would have access to the reinsurance pool for the flood risk within insurance p
olicies \up0 \expndtw0\charscalex104 that are eligible for a discount. They woul
d also have access to the pool for the flood risk within \up0 \expndtw-3\charsca
lex100 insurance policies that are not subject to a discount. \par\pard\qj \li14
18\ri1220\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex102 7.46.\ul0\nosupersub
\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 In these latter cases, the reinsuran
ce pool would offer cover to insurers at a price set by the \up0 \expndtw0\chars
calex100 pool on a property by property basis using information on the flood ris
k of the property. Providing \up0 \expndtw0\charscalex105 access to the pool for
policies not eligible for discounts is designed to ensure a fair price to the \
up0 \expndtw0\charscalex100 policyholder even though there is no discount, and a
lso provide capacity to enable more insurers to \up0 \expndtw-3\charscalex100 of
fer flood cover, supporting a competitive market. \par\pard\qj \li1418\ri1238\sb
240\sl-260\slmult0 \up0 \expndtw0\charscalex106 7.47.\ul0\nosupersub\cf11\f12\fs
22 \ul0\nosupersub\cf4\f5\fs22 In summary, access to the pool for flood risk wo
uld be available to all insurers and for all \line \up0 \expndtw0\charscalex100
home, home contents and home unit policies, irrespective of value, for cover exc
ess of the insurers\u8217? \par\pard\ql \li5855\sb0\sl-207\slmult0 \par\pard\ql\
li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb190\sl-207\slmult0 \up0 \expndtw
-3\charscalex100 \ul0\nosupersub\cf6\f7\fs18 62 \par\pard\sect\sectd\fs24\paperw
11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg68}{\bkmkend Pg68}\par\pard\ql \l
i5780\sb0\sl-207\slmult0 \par\pard\ql\li5780\sb0\sl-207\slmult0 \par\pard\ql\li5
780\sb14\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs1
8 Chapter 7: A flood premium discount and reinsurance system \par\pard\qj \li141
8\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1234\sb230\sl-260\slmult0 \up0 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 first loss retentions, and the ag
ency would offer its own actuarially assessed price on all of their risks. \up0
\expndtw0\charscalex100 The price would be discounted only in those cases descri
bed in the earlier section \u8216?Structuring the \up0 \expndtw-3\charscalex100
flood premium discounts\u8217?. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\par

d\ql\li1526\sb113\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\c

f16\f17\fs22 Recommendation 21: \par\pard\qj \li1526\ri1340\sb122\sl-260\slmult0
\up0 \expndtw0\charscalex102 \ul0\nosupersub\cf4\f5\fs22 That a flood risk rein
surance facility, or reinsurance pool, be established which would have two \up0
\expndtw-3\charscalex100 primary functions: \par\pard\qj \li1526\ri1344\sb260\sl
-260\slmult0\tx1810 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf21\f22\fs20
\u8226?\ul0\nosupersub\cf13\f14\fs20 \ul0\nosupersub\cf4\f5\fs22 to deliver d
iscounts to home, contents and home unit insurance policies for eligible propert
ies; \line\tab \up0 \expndtw-3\charscalex100 and \par\pard\qj \li1526\ri4324\sb6
2\sl-500\slmult0 \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf21\f22\fs20 \u8
226?\ul0\nosupersub\cf13\f14\fs20 \ul0\nosupersub\cf4\f5\fs22 to provide floo
d reinsurance capacity to the insurance market; \up0 \expndtw-4\charscalex100 an
d two key design features: \par\pard\qj \li1526\ri1337\sb219\sl-260\slmult0\tx18
10 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0\nosupe
rsub\cf13\f14\fs20 \ul0\nosupersub\cf4\f5\fs22 an excess of loss arrangement
whereby insurers retain and price a \u8216?first loss\u8217? portion of each \li
ne\tab \up0 \expndtw-3\charscalex100 policy on a commercial basis; and \par\pard
\ql \li1526\sb246\sl-253\slmult0\tx2037 \up0 \expndtw0\charscalex115 \ul0\nosupe
rsub\cf21\f22\fs20 \u8226?\ul0\nosupersub\cf13\f14\fs20 \ul0\nosupersub\cf4\f5\
fs22 a \tab \up0 \expndtw0\charscalex106 \u8216?facultative/obligatory\u8217?
reinsurance treaty that would allow insurers to cede individual \par\pard\qj \li
1810\ri1338\sb22\sl-260\slmult0 \up0 \expndtw0\charscalex100 properties to the p
ool if they wish (facultative offer) but the pool would be obliged to accept \up
0 \expndtw-3\charscalex100 them (obligatory acceptance). \par\pard\ql \li1418\sb
0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\
sl-253\slmult0 \par\pard\ql\li1418\sb67\sl-253\slmult0 \up0 \expndtw-3\charscale
x100 \ul0\nosupersub\cf9\f10\fs28 E\ul0\nosupersub\cf10\f11\fs22 STABLISHING THE
VALUE TO BE REINSURED \par\pard\qj \li1418\ri1238\sb242\sl-260\slmult0 \up0 \ex
pndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 7.48.\ul0\nosupersub\cf11\f12\f
s22 \ul0\nosupersub\cf4\f5\fs22 In order for the pool to apply its first loss a
nd excess of loss structure when insurer retentions \line \up0 \expndtw0\charsca
lex103 are based on property values, these values will need to be reasonable est
imates of replacement \line \up0 \expndtw-3\charscalex100 value. \par\pard\qj \l
i1418\ri1206\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex102 7.49.\ul0\nosuper
sub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Home insurance policies in Austra
lia are predominantly sold on a \u8216?sum insured\u8217? basis where \up0 \expn
dtw0\charscalex104 the policyholder nominates the sum insured. There is also evi
dence that most homes are under \up0 \expndtw0\charscalex105 insured by referenc
e to replacement values. In Chapter 12 the Review Panel recommends that \up0 \ex
pndtw0\charscalex100 insurers move to introduce replacement value to eliminate u
nder insurance but that they be given \up0 \expndtw-1\charscalex100 some time to
do so. In the interim, therefore, the reinsurance pool will need to take steps
to ensure \up0 \expndtw-2\charscalex100 that the values of the properties for wh
ich it is providing reinsurance are adequate. \par\pard\qj \li1418\ri1213\sb240\
sl-260\slmult0 \up0 \expndtw0\charscalex100 7.50.\ul0\nosupersub\cf11\f12\fs22
\ul0\nosupersub\cf4\f5\fs22 The Agency would expect insurers to be able to satis
fy it that the sums insured are adequate \up0 \expndtw0\charscalex111 or, altern
atively, to increase them across the board by an estimate of the average level o
f \up0 \expndtw-2\charscalex100 under-insurance so that they do represent reason
able estimates of replacement value. \par\pard\qj \li1418\ri1227\sb240\sl-260\sl
mult0 \up0 \expndtw0\charscalex100 7.51.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosu
persub\cf4\f5\fs22 Where the insurer already offers cover on a replacement value
basis, it would need to inform \up0 \expndtw0\charscalex105 the pool of estimat
ed replacement values, presumably by relying on the information it uses for \up0
\expndtw-3\charscalex100 pricing purposes or reinsurance purposes. \par\pard\ql
\li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\
li1418\sb40\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf9\f10
\fs28 F\ul0\nosupersub\cf10\f11\fs22 UNDING THE REINSURANCE POOL \par\pard\qj \l
i1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1236\sb2\sl-260\slmult0 \up0 \exp
ndtw0\charscalex110 \ul0\nosupersub\cf4\f5\fs22 7.52.\ul0\nosupersub\cf11\f12\fs

22 \ul0\nosupersub\cf4\f5\fs22 The reinsurance pool would be funded if and when

necessary by the Commonwealth \line \up0 \expndtw0\charscalex100 Government gua
ranteeing the payment of claims. It would ensure that, whenever a shortfall occu
rs \line \up0 \expndtw-1\charscalex100 in the pool through claims exceeding the
funds held in the pool, the Commonwealth would fund the \line \up0 \expndtw-3\ch
arscalex100 shortfall. \par\pard\ql \li5855\sb0\sl-207\slmult0 \par\pard\ql\li58
55\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855
\sb203\sl-207\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs18
63
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{

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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g69}{\bkmkend Pg69}\par\pard\ql \li5780\sb0\sl-207\slmult0 \par\pard\ql\li5780\s
b0\sl-207\slmult0 \par\pard\ql\li5780\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 7: A flood premium discount and rein

surance system \par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri123

5\sb230\sl-260\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22
7.53.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The Commonwealt
h has the financial capacity to deal with unforeseen and uncertain costs and \li
ne \up0 \expndtw0\charscalex107 does not normally engage in the pre-funding of i
ts commitments but rather meets them on a \line \up0 \expndtw-1\charscalex100 \u
8216?pay-as-you-go\u8217? basis. Commonwealth funding would ensure the financial
viability of the reinsurance \line \up0 \expndtw-2\charscalex100 pool. \par\par
d\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb113\sl-253\slmult0 \up0 \e
xpndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recommendation 22: \par\par
d\qj \li1526\ri1325\sb242\sl-260\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf4\f5\fs22 That the Commonwealth Government guarantee payment of claims
from the reinsurance pool by \up0 \expndtw-1\charscalex100 ensuring that, whenev
er a funding shortfall occurs in the pool through claims exceeding the funds \up
0 \expndtw-3\charscalex100 held in the pool, the Commonwealth would meet the sho
rtfall. \par\pard\ql \li1418\sb0\sl-260\slmult0 \par\pard\ql\li1418\ri1224\sb120
\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw-1\charsc
alex100 7.54.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 State an
d Territory governments and their local government authorities have responsibili
ty for \line\tab \up0 \expndtw0\charscalex103 land use planning, the regulation
of building standards and flood mitigation initiatives. It is \line\tab \up0 \ex
pndtw0\charscalex100 important that State and Territory governments retain an in
centive to mitigate flood risk and \line\tab \up0 \expndtw0\charscalex100 mainta
in strong building standards. For this reason, while the Commonwealth would stan
d as \line\tab \up0 \expndtw-2\charscalex100 guarantor for the funding of the po
ol, the Review Panel believes that, in the event of a funding \line\tab \up0 \ex
pndtw0\charscalex100 shortfall, the State or Territory government in whose juris
diction the flood occurred, should \line\tab \up0 \expndtw-3\charscalex100 bear
a proportion of the shortfall. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard
\ql\li1526\sb113\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf
16\f17\fs22 Recommendation 23: \par\pard\qj \li1526\ri1329\sb242\sl-260\slmult0
\up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That the Commonwealth s
eek reimbursement of some portion of the shortfall from the State or \up0 \expnd
tw-3\charscalex100 Territory government in whose jurisdiction the flood occurred
. \par\pard\ql \li1418\sb0\sl-260\slmult0 \par\pard\ql\li1418\sb0\sl-260\slmult0
\par\pard\ql\li1418\ri1227\sb100\sl-260\slmult0\tx1985\tx1985\tx1985 \up0 \expn
dtw0\charscalex100 7.55.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs
22 The funding requirement for the reinsurance pool could be significant in year
s when there is \line\tab \up0 \expndtw0\charscalex109 widespread flooding, part
icularly if it occurred in the initial period of operation of the \line\tab \up0
\expndtw0\charscalex105 reinsurance pool when its premium income was sma
ll. Some indications of funding \line\tab \up0 \expndtw-3\charscalex100 requ
irements are discussed further below. \par\pard\ql \li1418\ri1233\sb240\sl-260\s
lmult0\tx1985\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex104 7.
56.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The funding requir
ement needs to be considered against the cost that is already borne by \line\tab
\up0 \expndtw0\charscalex108 Commonwealth and State and Territory governments i
n assisting private individuals to \line\tab \up0 \expndtw0\charscalex100 respon
d to floods and other natural disasters. For example, more than $450 million has
been \line\tab \up0 \expndtw0\charscalex100 paid under the Australian Governmen
t Disaster Recovery Payment scheme to those affected \line\tab \up0 \expndtw0\ch
arscalex108 by the Queensland floods to provide short term financial assistance.
\ul0\super\cf26\f27\fs20 42\ul0\nosupersub\cf4\f5\fs22 The Queensland \line\tab
\up0 \expndtw0\charscalex103 Government also provided assistance under the Quee
nsland Personal Hardship Assistance \line\tab \up0 \expndtw-3\charscalex100 Sche
me. \par\pard\ql \li1418\ri1212\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985
\up0 \expndtw0\charscalex107 7.57.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersu
b\cf4\f5\fs22 Using these funds instead to support improved flood cover
supports the principle \line\tab \up0 \expndtw0\charscalex100 underpinning th
e National Strategy for Disaster Resilience of encouraging individuals to take \

line\tab \up0 \expndtw0\charscalex103 their share of responsibility for nat

ural disasters. Rather than relying on government \line\tab \up0 \expndtw0
\charscalex100 assistance, individuals would take greater responsibility for rec
overy after a flood and would \line\tab \up0 \expndtw-2\charscalex100 also have
made a financial contribution through their payment of insurance premiums. \par\
pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li141
8\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-2
07\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0
\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb120\sl-207\slmult0\fi0\tx1
985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 42\tab \up0 \exp
ndtw-1\charscalex100 Attorney-General\u8217?s Department, Disaster Assist, \u821
6?Queensland Floods (November 2010 - February 2011)\u8217?,\par\pard\li1418\sb52
\sl-207\slmult0\fi566 \up0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLIN
K "http://www.disasterassist.gov.au/www/disasterassist/disasterassist.nsf/page/c
urrentdisasters_queenslandfloodin/" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 h
ttp://www.disasterassist.gov.au/www/disasterassist/disasterassist.nsf/Page/Curre
ntdisasters_QueenslandFloodin}}}\par\pard\li1418\sb55\sl-207\slmult0\fi566 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 gDecember2010.\par\pard\q
l \li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql
\li5855\sb86\sl-207\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7
\fs18 64
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{\shp {\*\shpinst\shpleft1418\shptop14505\shpright4299\shpbottom14525\shpfhdr0\s
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g70}{\bkmkend Pg70}\par\pard\ql \li5780\sb0\sl-207\slmult0 \par\pard\ql\li5780\s
b0\sl-207\slmult0 \par\pard\ql\li5780\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 7: A flood premium discount and rein
surance system \par\pard\ql \li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb218
\sl-299\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf18\f19\fs26 The
funding requirement \par\pard\ql \li1418\sb239\sl-253\slmult0\tx1985 \up0 \expnd
tw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 7.58. \tab \up0 \expndtw0\charsca
lex100 In order to understand what the funding cost for the scheme might be from
year to year, it is \par\pard\qj \li1985\ri1226\sb2\sl-260\slmult0 \up0 \expndt
w0\charscalex106 appropriate to start by considering the total annual costs of f
lood damage to residential \up0 \expndtw-3\charscalex100 property including cont
ents. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985 \up0 \expndtw-3\charscale
x100 7.59. \tab \up0 \expndtw0\charscalex103 The cost in any year will be highly
variable and will often be small or even nil. There will be \par\pard\qj \li198
5\ri1220\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex105 years when little flood

damage occurs, if any, and other years when very significant flood \up0 \expndt
w0\charscalex109 damage occurs. Data are not available on the total cost of dama
ge to homes from the \up0 \expndtw0\charscalex106 significant flooding in Queens
land and Victoria during 2011, partly because a significant \up0 \expndtw0\chars
calex100 portion of the damage was not insured. Data are available from the Insu
rance Council on the \up0 \expndtw0\charscalex104 cost of damage that was claime
d under insurance policies and, using that as a base, some \up0 \expndtw0\charsc
alex103 estimates have been given of the total cost of damage based on a number
of assumptions \up0 \expndtw0\charscalex100 about denied claims and claims not s
ubmitted. These estimates suggest total claims from the \up0 \expndtw0\charscale
x108 recent floods of between $1 billion and $1.5 billion on the pool, had it be
en already in \up0 \expndtw0\charscalex102 operation, net of claims costs paid b
y insurers and without taking account of any funds that \up0 \expndtw-3\charscal
ex100 might have (theoretically) accumulated in the pool. \par\pard\ql \li1418\s
b246\sl-253\slmult0\tx1985 \up0 \expndtw-3\charscalex100 7.60. \tab \up0 \expndt
w-1\charscalex100 An estimate of the total average annual cost of flood damage a
nd an idea of the range of that \par\pard\qj \li1985\ri1222\sb2\sl-260\slmult0 \
up0 \expndtw0\charscalex100 cost are necessary inputs into any process of attemp
ting to understand the possible funding \up0 \expndtw0\charscalex102 needs for t
he reinsurance pool. However, it is impossible to estimate with any precision th
e \up0 \expndtw-3\charscalex100 amount of funding that will be needed in any one
year. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985 \up0 \expndtw-3\charscal
ex100 7.61. \tab \up0 \expndtw-1\charscalex100 What can be said is that the pote
ntial exposure would be greatest early in the discount period \par\pard\qj \li19
85\ri1215\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex100 when the discounts wou
ld be greatest and pool premium income small. In subsequent years, \up0 \expndtw
0\charscalex100 the premium charged by the pool would rise, increasing the level
of claims that could be met \up0 \expndtw-3\charscalex100 by the pool without d
rawing on funds from the Commonwealth. \par\pard\ql \li1418\sb246\sl-253\slmult0
\tx1985 \up0 \expndtw-3\charscalex100 7.62. \tab \up0 \expndtw0\charscalex103 Th
e level of premium collected by the pool in this initial period would be small b
ecause no \par\pard\qj \li1985\ri1219\sb2\sl-260\slmult0 \up0 \expndtw0\charscal
ex100 premium would be collected on existing properties with estimated replaceme
nt values up to \up0 \expndtw-2\charscalex100 $500,000 and contents up to $100,0
00 of sums insured, but some premium would be collected \up0 \expndtw-3\charscal
ex100 on homes, contents and home units of higher value. \par\pard\ql \li1418\sb
246\sl-253\slmult0\tx1985 \up0 \expndtw-3\charscalex100 7.63. \tab \up0 \expndtw
0\charscalex100 In addition to collecting premiums, the reinsurance pool would c
harge a small administrative \par\pard\qj \li1985\ri1220\sb2\sl-260\slmult0 \up0
\expndtw-2\charscalex100 fee for each policy ceded to the pool, say $20 per pol
icy. This would support the funding of the \up0 \expndtw0\charscalex105 reinsura
nce pool\u8217?s expenses and create a financial transaction that would assist w
ith the \up0 \expndtw0\charscalex104 management of the pool and its interactions
with insurers. Although it would be a cost to \up0 \expndtw0\charscalex112 insu
rers who may seek to pass it on to policyholders its small size argues against i
ts \up0 \expndtw-3\charscalex100 undermining the affordability aims of the pool.
\par\pard\ql \li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0
\par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \p
ar\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par
\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\p
ard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\par
d\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\
ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql
\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\l
i5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5
855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li585
5\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb97\sl-207\slmult0 \up0 \expndtw-3\cha
rscalex100 \ul0\nosupersub\cf6\f7\fs18 65 \par\pard\sect\sectd\fs24\paperw11900\
paperh16820\pard\sb0\sl-240{\bkmkstart Pg71}{\bkmkend Pg71}\par\pard\sect\sectd\
fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg72}{\bkmkend Pg72}\par

\pard\li1418\sb0\sl-414\slmult0\par\pard\li1418\sb0\sl-414\slmult0\par\pard\li14
18\sb329\sl-414\slmult0\fi0 \up0 \expndtw0\charscalex99 \ul0\nosupersub\cf23\f24
\fs36 Chapter 8.\ul0\nosupersub\cf24\f25\fs36 \ul0\nosupersub\cf23\f24\fs36 I
mproving flood risk management\ul0\nosupersub\cf30\f31\fs10 43\par\pard\ql \li14
18\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb86\sl-253\slmult0\tx1985 \up0 \expnd
tw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 8.1. \tab \up0 \expndtw-1\charsca
lex100 Flood risk management comprises flood risk measurement and flood risk mit
igation. Improved \par\pard\qj \li1985\ri1222\sb2\sl-260\slmult0 \up0 \expndtw0\
charscalex100 flood risk measurement and flood risk mitigation are important for
both the future welfare of \up0 \expndtw0\charscalex100 the community and the c
ontinued development of the market for flood insurance. Flood risk \up0 \expndtw
0\charscalex102 measurement, including flood mapping and flood modelling in thei
r various forms, enables \up0 \expndtw-1\charscalex100 flood risk to be estimate
d and understood, which assists assessments and decisions regarding \up0 \expndt
w-3\charscalex100 flood risk mitigation and flood insurance. \par\pard\ql \li141
8\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb113\sl-253\slmult0\tx1985 \up0 \expnd
tw-3\charscalex100 8.2. \tab \up0 \expndtw0\charscalex100 State and Territory go
vernments have primary responsibility for managing flood risk. In many \par\pard
\qj \li1985\ri1210\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex108 instances, re
sponsibility for flood risk measurement and flood risk mitigation has been \line
\up0 \expndtw0\charscalex100 devolved to local governments or catchment managem
ent authorities. This has \ul0\nosupersub\cf19\f20\fs22 often limited \line \up0
\expndtw0\charscalex104 \ul0\nosupersub\cf4\f5\fs22 measurement and mitigation
priorities from being understood in a state-wide or national \line \up0 \expndtw
-2\charscalex100 context and has caused existing measurement and mitigation acti
vities to be fragmented. \par\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li
1418\sb113\sl-253\slmult0\tx1985 \up0 \expndtw-3\charscalex100 8.3. \tab \up0 \e
xpndtw0\charscalex100 The extent and quality of flood mapping varies widely with
in States and from State to State. \par\pard\qj \li1985\ri1211\sb2\sl-260\slmult
0 \up0 \expndtw0\charscalex102 Some of this variation is well justified,
because of different floodplain characteristics, \up0 \expndtw0\charscalex10
3 urbanisation and other factors. Nevertheless, there is no national standard or
guideline for \up0 \expndtw0\charscalex104 flood mapping and it is usually a ma
tter for each individual local government authority to \up0 \expndtw-2\charscale
x100 decide how the mapping is to be done and what form the output of the mappin
g activity might \up0 \expndtw-2\charscalex100 take. As a result, the nature of
flood mapping across the country is inconsistent. \par\pard\ql \li1418\sb0\sl-25
3\slmult0 \par\pard\ql\li1418\sb113\sl-253\slmult0\tx1985 \up0 \expndtw-3\charsc
alex100 8.4. \tab \up0 \expndtw0\charscalex106 Flood risk information is publicl
y available to a varying degree. Some local governments \par\pard\qj \li1985\ri1
225\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex108 provide their information fr
ee of charge on public websites whilst other councils place \up0 \expndtw0\chars
calex104 restrictions on and charge fees for access to information. The Brisbane
City Council makes \up0 \expndtw-2\charscalex100 flood information freely avail
able to the public following the recommendations of a Flood Task \up0 \expndtw-3
\charscalex100 Force completed in 2005.\ul0\super\cf26\f27\fs20 44 \par\pard\ql
\li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\l
i1418\sb20\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf9\f10\
fs28 I\ul0\nosupersub\cf10\f11\fs22 MPROVING FLOOD RISK MEASUREMENT \par\pard\qj
\li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1217\sb2\sl-260\slmult0\tx1985
\up0 \expndtw0\charscalex103 \ul0\nosupersub\cf4\f5\fs22 8.5.\ul0\nosupersub\cf
11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 There are many users and potential us
ers of flood risk information who would benefit from \line\tab \up0 \expndtw-3\c
harscalex100 improvements in flood risk measurement. These include: \par\pard\li
1985\sb0\sl-253\slmult0\par\pard\li1985\sb3\sl-253\slmult0\fi0\tx2551 \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf4\f5\fs22 councils: for land use planning and floo
d mitigation works;\par\pard\li1985\sb248\sl-253\slmult0\fi0\tx2551 \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw0\chars
calex100 \ul0\nosupersub\cf4\f5\fs22 property developers, their architects and p

lanners: to make their own assessments of\par\pard\li1985\sb6\sl-253\slmult0\fi5

66 \up0 \expndtw0\charscalex100 flood and other risks, and to ensure their desig
ns comply with local government building\par\pard\li1985\sb7\sl-253\slmult0\fi56
6 \up0 \expndtw-1\charscalex100 rules and regulations;\par\pard\li1985\sb248\sl253\slmult0\fi0\tx2551 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf20\f21\fs
22 \u8226?\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 the Stat
e Emergency Services: in order to plan for situations that may arise during a\pa
r\pard\li1985\sb6\sl-253\slmult0\fi566 \up0 \expndtw-1\charscalex100 flood and t
o allocate resources;\par\pard\li1985\sb247\sl-253\slmult0\fi0\tx2551 \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf4\f5\fs22 insurers: as an input to risk assessmen
t, underwriting and pricing;\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\
sb202\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf
27\f28\fs18 43\tab \up0 \expndtw-1\charscalex100 The Panel\u8217?s consideration
of flood risk management issues has been informed by a workshop held on\par\par
d\li1418\sb14\sl-207\slmult0\fi566 \up0 \expndtw-1\charscalex100 26 August 2011,
involving experts from the fields of hydrology and water engineering, flood pla
in management,\par\pard\li1418\sb11\sl-207\slmult0\fi566 \up0 \expndtw-1\charsca
lex100 State and local government, the insurance industry and the actuarial prof
ession.\par\pard\li1418\sb53\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscale
x100 44\tab \up0 \expndtw-1\charscalex100 Lord Mayor\u8217?s Taskforce on Suburb
an Flooding, \u8216?Strategies to reduce the effect of significant rain events o
n areas of\par\pard\li1418\sb52\sl-207\slmult0\fi566 \up0 \expndtw-2\charscalex1
00 Brisbane prone to flooding\u8217?, August 2005.\par\pard\qj \li1985\ri1564\sb
0\sl-260\slmult0 \up0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "ht
tp://www.brisbane.qld.gov.au/community-support/emergency-management/flooding/pre
pare/Taskforce-on-suburban-flooding/index.htm" }}{\fldrslt {\ul0\nosupersub\cf27
\f28\fs18 http://www.brisbane.qld.gov.au/community-support/emergency-management/
flooding/prepare/Taskforce-on-}}}\line \up0 \expndtw-2\charscalex100 {\field{\*\
fldinst {HYPERLINK "http://www.brisbane.qld.gov.au/community-support/emergency-m
anagement/flooding/prepare/Taskforce-on-suburban-flooding/index.htm" }}{\fldrslt
{\ul0\nosupersub\cf27\f28\fs18 suburban-flooding/index.htm}}}\ul0\nosupersub\cf
27\f28\fs18 . \par\pard\ql \li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\s
l-207\slmult0 \par\pard\ql\li5855\sb88\sl-207\slmult0 \up0 \expndtw-3\charscalex
100 \ul0\nosupersub\cf6\f7\fs18 67
{\shp {\*\shpinst\shpleft1418\shptop13586\shpright4299\shpbottom13606\shpfhdr0\s
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g73}{\bkmkend Pg73}\par\pard\ql \li7033\sb0\sl-207\slmult0 \par\pard\ql\li7033\s
b0\sl-207\slmult0 \par\pard\ql\li7033\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 8: Improving flood risk management \
par\pard\ql \li1985\sb0\sl-253\slmult0 \par\pard\ql\li1985\sb242\sl-253\slmult0\
tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226? \tab
\up0 \expndtw0\charscalex102 \ul0\nosupersub\cf4\f5\fs22 homeowners, renters and
business owners: in making decisions on where to live or \par\pard\ql \li2551\s
b7\sl-253\slmult0 \up0 \expndtw-3\charscalex100 operate a business and how to ma
nage their flood risk; \par\pard\ql \li1985\sb247\sl-253\slmult0\tx2551 \up0 \ex
pndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226? \tab \up0 \expndtw0\
charscalex100 \ul0\nosupersub\cf4\f5\fs22 lending institutions: to assist them t
o understand the risks associated with properties \par\pard\ql \li2551\sb7\sl-25
3\slmult0 \up0 \expndtw-2\charscalex100 that are subject to mortgages and the ci

rcumstances of their customers; and \par\pard\ql \li1985\sb247\sl-253\slmult0\tx

2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226? \tab \u
p0 \expndtw0\charscalex103 \ul0\nosupersub\cf4\f5\fs22 public and private orga
nisations providing road and rail infrastructure and other \par\pard\ql \li25
51\sb7\sl-253\slmult0 \up0 \expndtw-3\charscalex100 community infrastructure: fo
r planning and risk management purposes. \par\pard\qj \li1418\ri1207\sb242\sl-26
0\slmult0\tx1985 \up0 \expndtw-2\charscalex100 8.6.\ul0\nosupersub\cf11\f12\fs22
\ul0\nosupersub\cf4\f5\fs22 The full nature of the information needed and th
e level of detail required by each group varies \line\tab \up0 \expndtw-2\charsc
alex100 to some degree, according to the purposes for which it is used and the n
ature of its use. \par\pard\ql \li1418\ri1233\sb240\sl-260\slmult0\tx1985\tx1985
\tx1985\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex100 8.7.\ul0
\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Flooding results from
a series of complex interactions between the natural and built \line\
tab \up0 \expndtw0\charscalex104 environment.\ul0\super\cf39\f40\fs20 45\ul0\nos
upersub\cf4\f5\fs22 Flood modelling estimates where rain water will run, given
the location, \line\tab \up0 \expndtw-2\charscalex100 intensity, frequency, dura
tion and extent of rainfall, the topography and the various features \line\tab \
up0 \expndtw0\charscalex100 of the built environment such as dams, levees and se
aled surfaces. Topography details are \line\tab \up0 \expndtw0\charscalex100 inc
orporated into flood models using information from digital terrain models that s
how the \line\tab \up0 \expndtw-2\charscalex100 height of the ground surface. Th
e output from the flood modelling process is usually a series of \line\tab \up0
\expndtw0\charscalex110 flood maps which depict the extent of likely water flows
and flooding for a range of \line\tab \up0 \expndtw-1\charscalex100 probabiliti
es and scenarios\ul0\nosupersub\cf22\f23\fs22 ,\ul0\nosupersub\cf4\f5\fs22 give
n the assumptions used in the flood model used as the basis \line\tab \up0 \expn
dtw-3\charscalex100 for the maps. \par\pard\ql \li1418\sb0\sl-253\slmult0 \par\p
ard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb40\sl-253\slmult0 \up0 \e
xpndtw-3\charscalex100 \ul0\nosupersub\cf9\f10\fs28 F\ul0\nosupersub\cf10\f11\fs
22 LOOD RISK INFORMATION FOR INSURERS \par\pard\ql \li1418\sb0\sl-260\slmult0 \p
ar\pard\ql\li1418\ri1207\sb2\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985\tx1985\t
x1985\tx1985\tx1985\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\
fs22 8.8.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Insurers a
re interested in having well maintained flood mapping information to assist them
to \line\tab \up0 \expndtw0\charscalex100 price flood risk and provide cover. T
hey would like to have a comprehensive set of detailed \line\tab \up0 \expndtw0\
charscalex100 digital elevation maps. These digital three dimensional mod
els of the ground surface \line\tab \up0 \expndtw0\charscalex106 topography
can be constructed using remote sensing technologies such as Lidar (Light \line\
tab \up0 \expndtw-2\charscalex100 Detection and Ranging) and are supplemented wi
th aerial photography and satellite imagery. \line\tab \up0 \expndtw0\charscalex
102 Advancements in technology are lowering the costs and increasing the definit
ion of these \line\tab \up0 \expndtw-2\charscalex100 maps. Insurers can then com
plete the picture if they have access to an authoritative geo-coded \line\tab \u
p0 \expndtw-2\charscalex100 national address file to link addresses to the areas
on the flood maps, supported by details of \line\tab \up0 \expndtw-3\charscalex
100 the building at each address such as the elevation of the principal floor le
vel and the nature of \line\tab \up0 \expndtw-4\charscalex100 the building const
ruction. \par\pard\ql \li1418\ri1228\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\t
x1985\tx1985 \up0 \expndtw0\charscalex102 8.9.\ul0\nosupersub\cf11\f12\fs22 \ul
0\nosupersub\cf4\f5\fs22 Insurers need to know not only the probability of a h
ome being flooded but also the likely \line\tab \up0 \expndtw-3\charscalex100 da
mage that will occur. Information on how high the water might go into a house is
therefore \line\tab \up0 \expndtw0\charscalex100 important.\ul0\nosupersub\cf19
\f20\fs22 \ul0\nosupersub\cf4\f5\fs22 Once an insurer knows the likelihood of f
looding for a particular building, it can \line\tab \up0 \expndtw-3\charscalex10
0 assess risk premiums by applying a statistical view of the cost of damage base
d on the heights \line\tab \up0 \expndtw-1\charscalex100 of the floods, expected
water velocities, the design and construction of the building and the \line\tab

\up0 \expndtw-3\charscalex100 materials used in it. \par\pard\ql \li1418\ri1223

\sb240\sl-260\slmult0\tx1985\tx1985 \up0 \expndtw0\charscalex100 8.10.\ul0\nosup
ersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Better flood risk information f
or insurers would enable insurers to make more reliable and \line\tab \up0 \expn
dtw0\charscalex100 more confident assessments of flood risk for pricing purposes
, thereby assisting insurers to \line\tab \up0 \expndtw-3\charscalex100 offer fl
ood cover more widely and at fairer prices. \par\pard\li1418\sb0\sl-207\slmult0\
par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\l
i1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\
sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slm
ult0\par\pard\li1418\sb39\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf27\f28\fs18 45\tab \up0 \expndtw-1\charscalex100 Attorney-Ge
neral\u8217?s Department, Report on the Environmental Scan into a National Appro
ach to Flood Modelling,\par\pard\li1418\sb55\sl-207\slmult0\fi566 \up0 \expndtw2\charscalex100 p 4.\par\pard\ql \li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\
sb0\sl-207\slmult0 \par\pard\ql\li5855\sb86\sl-207\slmult0 \up0 \expndtw-3\chars
calex100 \ul0\nosupersub\cf6\f7\fs18 68
{\shp {\*\shpinst\shpleft1418\shptop14765\shpright4299\shpbottom14785\shpfhdr0\s
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn pVerticies}{\sv 8;5;(0,20);(2881,20);(2881,0);(0,0);(0,20)}}
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p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g74}{\bkmkend Pg74}\par\pard\ql \li7033\sb0\sl-207\slmult0 \par\pard\ql\li7033\s
b0\sl-207\slmult0 \par\pard\ql\li7033\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 8: Improving flood risk management \
par\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \p
ar\pard\ql\li1418\sb69\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosuper
sub\cf9\f10\fs28 I\ul0\nosupersub\cf10\f11\fs22 MPROVING FLOOD RISK INFORMATION
\par\pard\ql \li1418\sb247\sl-253\slmult0\tx1985 \up0 \expndtw-3\charscalex100 \
ul0\nosupersub\cf4\f5\fs22 8.11. \tab \up0 \expndtw-2\charscalex100 Existing flo
od risk information has been produced over many years, for different purposes, i
n a \par\pard\qj \li1985\ri1207\sb2\sl-260\slmult0 \up0 \expndtw-2\charscalex100
variety of ways. When a local government commissions the collection of flood ri
sk information, \line \up0 \expndtw0\charscalex100 it may face technical and fin
ancial constraints. It therefore may choose to collect information \line \up0 \e
xpndtw0\charscalex103 in a way that meets its immediate needs, at a price it can
afford. It also may choose not to \line \up0 \expndtw0\charscalex102 update the
information very often to take into account changes to the environment, as the
\line \up0 \expndtw0\charscalex100 financial cost of doing so may not be justifi
ed for its purposes. There may also be commercial \line \up0 \expndtw0\charscale
x100 constraints in place with respect to the local governments making the flood
risk information \line \up0 \expndtw-3\charscalex100 available to others. \par\
pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb113\sl-253\slmult0\tx19
85 \up0 \expndtw-3\charscalex100 8.12. \tab \up0 \expndtw0\charscalex104 The con
sistency of flood risk information used for insurance and other purposes would b
e \par\pard\qj \li1985\ri1209\sb2\sl-260\slmult0 \up0 \expndtw-2\charscalex100 i
mproved if measurements of flood risk collected from different sources conformed
to national \up0 \expndtw0\charscalex105 guidelines. Because of factors such as
high variability of rainfall and stream flows and the \up0 \expndtw0\charscalex
100 range of different flood problems, including differences in requirements bet
ween urban and \up0 \expndtw0\charscalex100 rural areas, a single uniform approa
ch to flood mapping and modelling is not appropriate\ul0\nosupersub\cf22\f23\fs2
2 ,\ul0\nosupersub\cf4\f5\fs22 in \up0 \expndtw-3\charscalex100 particular noti

ng the rapidly improving technology in this field. \par\pard\ql \li1418\sb246\sl

-253\slmult0\tx1985 \up0 \expndtw-3\charscalex100 8.13. \tab \up0 \expndtw0\char
scalex100 The Review Panel proposes that national guidelines for flood risk info
rmation be developed. \par\pard\qj \li1985\ri1206\sb2\sl-260\slmult0 \up0 \expnd
tw0\charscalex100 The\ul0\nosupersub\cf19\f20\fs22 \ul0\nosupersub\cf4\f5\fs22
guidelines should specify the type of outputs required as well as technical form
ats. While \line \up0 \expndtw0\charscalex100 the Australian Rainfall and Runoff
\ul0\super\cf26\f27\fs20 46\ul0\nosupersub\cf4\f5\fs22 is the accepted national
guideline on technical aspects of \line \up0 \expndtw-2\charscalex100 assessing
flood risk, there is not a national guideline that specifies the types of outpu
t required \line \up0 \expndtw-2\charscalex100 from flood studies to meet the ne
eds of different users. These outputs might include: \par\pard\li1985\sb0\sl-253
\slmult0\par\pard\li1985\sb10\sl-253\slmult0\fi0\tx2551 \up0 \expndtw0\charscale
x100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw0\charscalex100 \ul0
\nosupersub\cf4\f5\fs22 terrain information;\par\pard\li1985\sb246\sl-253\slmult
0\fi0\tx2551\tx4257 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \
u8226?\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 probability
maps\tab \up0 \expndtw0\charscalex100 (for a range of standard events including
one per cent annual\par\pard\li1985\sb9\sl-253\slmult0\fi566 \up0 \expndtw0\char
scalex100 exceedance probability (AEP);\par\pard\li1985\sb246\sl-253\slmult0\fi0
\tx2551 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \
up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 flood planning maps (inc
luding planning levels for the construction of habitable floors);\par\pard\li198
5\sb247\sl-253\slmult0\fi0\tx2551 \up0 \expndtw0\charscalex100 \ul0\nosupersub\c
f20\f21\fs22 \u8226?\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs2
2 house information, including floor level and building construction;\par\pard\l
i1985\sb248\sl-253\slmult0\fi0\tx2551 \up0 \expndtw0\charscalex100 \ul0\nosupers
ub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5
\fs22 maps that show where works have been carried out or houses removed or rais
ed; and\par\pard\li1985\sb247\sl-253\slmult0\fi0\tx2551 \up0 \expndtw0\charscale
x100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw0\charscalex100 \ul0
\nosupersub\cf4\f5\fs22 meta-data including information relating to data quality
, information on planning\par\pard\qj \li2551\ri1229\sb0\sl-260\slmult0 \up0 \ex
pndtw0\charscalex104 controls and when surfaces would be expected to change beca
use of infrastructure \up0 \expndtw-3\charscalex100 which has been built in a fl
oodplain. \par\pard\ql \li1418\sb230\sl-253\slmult0\tx1985 \up0 \expndtw-3\chars
calex100 8.14. \tab \up0 \expndtw0\charscalex107 \ul0\nosupersub\cf19\f20\fs22 A
s part of the development process for such output-oriented guidelines, users sho
uld be \par\pard\qj \li1985\ri1231\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex1
05 consulted to ensure that guidelines meet their needs. Those who prepare the i
nformation \up0 \expndtw-3\charscalex100 should also be consulted. \par\pard\ql
\li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb69\sl-299\slmult0 \up0 \expndtw
-3\charscalex100 \ul0\nosupersub\cf18\f19\fs26 A central repository for flood ri
sk information \par\pard\ql \li1418\ri1235\sb254\sl-260\slmult0\tx1985\tx1985\tx
1985 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 8.15.\ul0\nosupers
ub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Access to flood risk information w
ould be improved if it was available in a central repository. \line\tab \up0 \ex
pndtw0\charscalex100 The repository could include flood risk information current
ly held by numerous public sector \line\tab \up0 \expndtw0\charscalex104 agencie
s, information of the kind currently held in the insurance industry\u8217?s Nati
onal Flood \line\tab \up0 \expndtw0\charscalex100 Information Database (NFID), i
nsurers\u8217? claims data and information provided by homeowners \par\pard\li14
18\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb21\sl
-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\f
s18 46\tab \up0 \expndtw-1\charscalex100 Pilgrim, DH (ed), Australian Rainfall a
nd Runoff \u8212? A Guide to Flood Estimation, Institution of Engineers, Austral
ia,\par\pard\li1418\sb55\sl-207\slmult0\fi566 \up0 \expndtw-2\charscalex100 Bart
on ACT, 1987.\par\pard\ql \li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb119\sl207\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs18 69

{\shp {\*\shpinst\shpleft1418\shptop14525\shpright4299\shpbottom14545\shpfhdr0\s
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g75}{\bkmkend Pg75}\par\pard\ql \li7033\sb0\sl-207\slmult0 \par\pard\ql\li7033\s
b0\sl-207\slmult0 \par\pard\ql\li7033\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 8: Improving flood risk management \
par\pard\qj \li1985\sb0\sl-260\slmult0 \par\pard\qj\li1985\ri1227\sb230\sl-260\s
lmult0 \up0 \expndtw0\charscalex104 \ul0\nosupersub\cf4\f5\fs22 in relation to m
itigation measures they have put in place. Information could be collected, \up0
\expndtw-3\charscalex100 analysed, disseminated and published nationally. \par\p
ard\ql \li1418\ri1220\sb240\sl-260\slmult0\tx1985\tx1985 \up0 \expndtw0\charscal
ex108 8.16.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 While the
information would be held and managed in the central repository, flood risk \lin
e\tab \up0 \expndtw0\charscalex105 management responsibilities, including undert
aking flood risk measurement activities or \line\tab \up0 \expndtw-2\charscalex1
00 mitigation, would continue to lie with State and Territory governments. \par\
pard\ql \li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb69\sl-299\slmult0 \up0
\expndtw-3\charscalex100 \ul0\nosupersub\cf18\f19\fs26 Access to information and
legal liability \par\pard\ql \li1418\ri1214\sb234\sl-260\slmult0\tx1985\tx1985\
tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 8.
17.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Submissions to the
Review identified the potential liability of local government for the quality \
line\tab \up0 \expndtw0\charscalex105 or accuracy of flood risk information as a
major barrier that must be overcome before all \line\tab \up0 \expndtw0\charsca
lex100 existing flood risk information could be made available to all users.\ul0
\super\cf26\f27\fs20 47\ul0\nosupersub\cf4\f5\fs22 Understandably, holders \lin
e\tab \up0 \expndtw0\charscalex100 of information may be reluctant to release fl
ood risk information publicly for use by others if \line\tab \up0 \expndtw0\char
scalex104 they may be liable for any inaccuracies, particularly if they have bee
n subject to technical, \line\tab \up0 \expndtw-3\charscalex100 financial and co
mmercial constraints when collecting the information. \par\pard\ql \li1418\ri121
1\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex100
8.18.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The Review Panel
acknowledges that liability concerns have inhibited the public availability of
\line\tab \up0 \expndtw0\charscalex100 flood risk information, in some parts of
Australia. In contrast, in New South Wales, where the \line\tab \up0 \expndtw0\c
harscalex100 Local Government Act 1993 (NSW) provides an immunity from civil lia
bility for councils who \line\tab \up0 \expndtw0\charscalex108 provide flood ris
k information \u8216?in good faith\u8217?, information has been made more readil
y \line\tab \up0 \expndtw-2\charscalex100 available than, for example, by some Q
ueensland local government authorities. \par\pard\ql \li1418\ri1218\sb240\sl-260
\slmult0\tx1985\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex100
8.19.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The Review Panel
considers that providers of information should ordinarily be responsible for \l
ine\tab \up0 \expndtw0\charscalex107 the quality of the information they make av
ailable. However, given the constraints that \line\tab \up0 \expndtw0\charscalex
103 holders of flood risk information may have faced in initially obtaining the
information, and \line\tab \up0 \expndtw-1\charscalex100 recognising the benefit
s that can flow from making as much flood risk information as possible \line\tab
\up0 \expndtw-1\charscalex100 widely available, the Review Panel recommends tha
t, absent any gross negligence in obtaining \line\tab \up0 \expndtw0\charscalex1

00 and providing the information, and assuming it is provided in good faith, the
provider should \line\tab \up0 \expndtw-3\charscalex100 be immune from civil li
ability in respect of the information. \par\pard\ql \li1526\sb0\sl-253\slmult0 \
par\pard\ql\li1526\sb113\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosup
ersub\cf16\f17\fs22 Recommendation 24: \par\pard\ql \li1526\sb0\sl-260\slmult0 \
par\pard\ql\li1526\ri1537\sb102\sl-260\slmult0 \up0 \expndtw-2\charscalex100 \ul
0\nosupersub\cf4\f5\fs22 That to facilitate flood risk information being made pu
blicly available, Commonwealth, State and \line \up0 \expndtw-2\charscalex100 Te
rritory governments grant indemnities to the providers of flood risk information
if the \line \up0 \expndtw-2\charscalex100 information is obtained and provided
in good faith and in the absence of any gross negligence. \par\pard\ql \li1418\
sb0\sl-299\slmult0 \par\pard\ql\li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb
150\sl-299\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf18\f19\fs26 B
etter flood risk information for the community \par\pard\ql \li1418\ri1224\sb254
\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex102
\ul0\nosupersub\cf4\f5\fs22 8.20.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\
cf4\f5\fs22 Better flood risk information for the community enables people to be
tter manage the flood \line\tab \up0 \expndtw0\charscalex102 risks they face.\ul
0\nosupersub\cf38\f39\fs22 \ul0\nosupersub\cf4\f5\fs22 For example, once indivi
duals are aware that they live in a flood prone area \line\tab \up0 \expndtw0\ch
arscalex104 they may be able to make decisions about how they wish to manage the
risk, including by \line\tab \up0 \expndtw-1\charscalex100 purchasing insurance
, raising their house or moving out of the area. Flood risk information can \lin
e\tab \up0 \expndtw0\charscalex102 also make people aware of risks before they p
urchase or rent a house and therefore enable \line\tab \up0 \expndtw-3\charscale
x100 them to avoid the risks altogether. \par\pard\li1418\sb0\sl-207\slmult0\par
\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li14
18\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl207\slmult0\par\pard\li1418\sb93\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf27\f28\fs18 47\tab \up0 \expndtw-1\charscalex100 Aust
ralian Local Government Association submission, p 14; Local Government Associati
on of Queensland\par\pard\li1418\sb55\sl-207\slmult0\fi566 \up0 \expndtw-2\chars
calex100 submission, p 5.\par\pard\ql \li5855\sb0\sl-207\slmult0 \par\pard\ql\li
5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb86\sl-207\slmult0 \up0 \expndtw-3\
charscalex100 \ul0\nosupersub\cf6\f7\fs18 70
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b0\sl-207\slmult0 \par\pard\ql\li7033\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc

alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 8: Improving flood risk management \
par\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb242\sl-253\slmult0\
tx1985 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 8.21. \tab \up0
\expndtw-2\charscalex100 It is also important that flood risk information being
provided to the public is in a form that can \par\pard\qj \li1985\ri1211\sb2\sl
-260\slmult0 \up0 \expndtw0\charscalex102 be readily understood. Various stu
dies\ul0\super\cf39\f40\fs20 48\ul0\nosupersub\cf4\f5\fs22 have revealed tha
t consumers have difficulty \up0 \expndtw-1\charscalex100 interpreting inform
ation relating to events which are of low probability but high consequence, \up0
\expndtw-2\charscalex100 such as floods. This suggests that, in relation to suc
h events, it is important that consumers are \up0 \expndtw0\charscalex102 assist
ed as much as possible to interpret the relevant information. For example, portr
aying \up0 \expndtw-2\charscalex100 information in the form of maps may assist c
onsumers to understand their risk. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1
985 \up0 \expndtw-3\charscalex100 8.22. \tab \up0 \expndtw0\charscalex107 A numb
er of submissions pointed to the community\u8217?s misunderstanding of the curre
nt \par\pard\qj \li1985\ri1210\sb2\sl-260\slmult0 \up0 \expndtw-2\charscalex100
terminology used to describe the probability of flood. For example, the Institut
e of Actuaries of \line \up0 \expndtw0\charscalex105 Australia noted \u8216?(f)o
r an insurer, a 1 in 20 year event (for flood) is extremely risky. For an \line
\up0 \expndtw0\charscalex100 individual, this is likely to be longer than their
expected dwelling duration at that location.\u8217?\ul0\super\cf39\f40\fs20 49 \
line \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf4\f5\fs22 Therefore to assis
t consumers to interpret a low probability, high consequence flood event, \line
\up0 \expndtw0\charscalex103 flood risk information provided to consumers could
adopt classifications which are easy to \line \up0 \expndtw0\charscalex104 under
stand. Submissions note that terms such as extreme, high, medium and low risk ar
e \line \up0 \expndtw0\charscalex100 easier for consumers to understand than ris
k quantifications.\ul0\super\cf39\f40\fs20 50\ul0\nosupersub\cf4\f5\fs22 These
terms are also already \line \up0 \expndtw-2\charscalex100 familiar to many cons
umers as they are used to communicate bushfire risk. \par\pard\ql \li1418\sb246\
sl-253\slmult0\tx1985 \up0 \expndtw-3\charscalex100 8.23. \tab \up0 \expndtw-1\c
harscalex100 To further improve consumers\u8217? understanding of risk, it is al
so important that any information \par\pard\qj \li1985\ri1221\sb2\sl-260\slmult0
\up0 \expndtw0\charscalex105 provided to consumers, including in the form of ma
ps, clearly distinguish between risk to \line \up0 \expndtw0\charscalex100 perso
nal safety and risk to the property. It may also be appropriate to classify floo
d risk both \line \up0 \expndtw-1\charscalex100 on the basis of how frequently f
looding is expected to occur and how hazardous it would be if \line \up0 \expndt
w-2\charscalex100 it occurred, for example how fast the water would be flowing a
nd how fast the water would be \line \up0 \expndtw-3\charscalex100 rising. \par\
pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\p
ard\ql\li1418\sb40\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\
cf9\f10\fs28 F\ul0\nosupersub\cf10\f11\fs22 LOOD RISK MITIGATION \par\pard\ql \l
i1418\sb0\sl-260\slmult0 \par\pard\ql\li1418\ri1229\sb2\sl-260\slmult0\tx1985\tx
1985 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 8.24.\ul0\nosupers
ub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The goal of flood risk mitigation
is to reduce flood risk. Once flood risk is properly understood, \line\tab \up0
\expndtw0\charscalex104 through analysis of available data and associated modell
ing, assessments and decisions of \line\tab \up0 \expndtw-3\charscalex100 severa
l kinds become possible. \par\pard\ql \li1418\ri1228\sb240\sl-260\slmult0\tx1985
\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex105 8.25.\ul0\nosupersub\cf11\f12
\fs22 \ul0\nosupersub\cf4\f5\fs22 Better access for governments to flood risk i
nformation would facilitate better mitigation \line\tab \up0 \expndtw0\charscale
x103 decisions. Flood risk mitigation initiatives can be identified and cost/ben
efit studies can be \line\tab \up0 \expndtw-2\charscalex100 done on a regional o
r floodplain basis, in local areas or for individual properties. Mitigation can
\line\tab \up0 \expndtw0\charscalex103 involve, for example, land use planning d
ecisions, the building of levees and dams and the \line\tab \up0 \expndtw-3\char

scalex100 adoption of building codes. \par\pard\ql \li1418\ri1229\sb240\sl-260\s

lmult0\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex100 8.26.\ul0\nosupersub\cf
11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Mitigation can occur prior to the locat
ion of a home in a flood risk area, for example through \line\tab \up0 \expndtw0
\charscalex110 controls that prevent the home from being built there in the firs
t place. Alternatively \line\tab \up0 \expndtw0\charscalex103 mitigation can be
undertaken to protect existing homes, for example by building a levee or \line\t
ab \up0 \expndtw-3\charscalex100 raising an existing house. \par\pard\qj \li1418
\ri1233\sb240\sl-260\slmult0\tx1985 \up0 \expndtw-1\charscalex100 8.27.\ul0\nosu
persub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Mitigation which reduces flood
risk for individual homes should reduce insurance problems for \line\tab \up0 \
expndtw-3\charscalex100 those homes. \par\pard\li1418\sb0\sl-207\slmult0\par\par
d\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\s
b0\sl-207\slmult0\par\pard\li1418\sb150\sl-207\slmult0\fi0\tx1985 \up0 \expndtw2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 48\tab \up0 \expndtw-1\charscalex1
00 For example, Camerer, Colin. and Kunreuther, Howard (1989) \u8216?Decision P
rocesses for Low Probability Events: Policy\par\pard\li1418\sb14\sl-207\slmult0\
fi566 \up0 \expndtw-2\charscalex100 Implications\u8217? \ul0\nosupersub\cf40\f41
\fs18 Journal of Policy Analysis and Management \ul0\nosupersub\cf27\f28\fs18 8:
565-592.\par\pard\li1418\sb11\sl-207\slmult0\fi566 \up0 \expndtw-2\charscalex100
{\field{\*\fldinst {HYPERLINK "http://onlinelibrary.wiley.com/doi/10.2307/33250
45/abstract" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://onlinelibrary.wil
ey.com/doi/10.2307/3325045/abstract}}}\par\pard\li1418\sb53\sl-207\slmult0\fi0\t
x1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 49\tab \up0 \e
xpndtw-2\charscalex100 Institute of Actuaries of Australia p 27.\par\pard\li1418
\sb52\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 50\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf40\f41\fs18 The Insurance Council of Austra
lia and the Institute of Actuaries of Australia note in their submissions that i
t is\par\pard\qj \li1985\ri1275\sb0\sl-260\slmult0 \up0 \expndtw-1\charscalex100
important that consumers understand the flood risk that they face. They suggest
that flood risk is better conveyed by \up0 \expndtw-1\charscalex100 description
s such as extreme, high, moderate, low rather than quantifications such as a 1 i
n 100 year event. \par\pard\ql \li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb
0\sl-207\slmult0 \par\pard\ql\li5855\sb88\sl-207\slmult0 \up0 \expndtw-3\charsca
lex100 \ul0\nosupersub\cf6\f7\fs18 71
{\shp {\*\shpinst\shpleft1418\shptop13586\shpright4299\shpbottom13606\shpfhdr0\s
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 2881}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(2881,20);(2881,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g77}{\bkmkend Pg77}\par\pard\ql \li7033\sb0\sl-207\slmult0 \par\pard\ql\li7033\s
b0\sl-207\slmult0 \par\pard\ql\li7033\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 8: Improving flood risk management \
par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1231\sb230\sl-260\s
lmult0\tx1985 \up0 \expndtw0\charscalex103 \ul0\nosupersub\cf4\f5\fs22 8.28.\ul0
\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 In summary, there is a st
rong case for several initiatives relating to flood risk management. \line\tab \
up0 \expndtw-3\charscalex100 These initiatives would include: \par\pard\li1985\s
b0\sl-253\slmult0\par\pard\li1985\sb6\sl-253\slmult0\fi0\tx2551 \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf4\f5\fs22 national guidelines for flood risk measurement
prepared in consultation with producers\par\pard\li1985\sb6\sl-253\slmult0\fi56
6 \up0 \expndtw-1\charscalex100 and users of flood risk information; and\par\par

d\li1985\sb246\sl-253\slmult0\fi0\tx2551 \up0 \expndtw-1\charscalex100 \ul0\nosu

persub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f4\f5\fs22 a central repository in which flood risk information is collected, co
llated, analysed and\par\pard\li1985\sb9\sl-253\slmult0\fi566 \up0 \expndtw-1\ch
arscalex100 published.\par\pard\ql \li5855\sb0\sl-207\slmult0 \par\pard\ql\li585
5\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\
sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb
0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\
sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl
-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-2
07\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207
\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\s
lmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slm
ult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmul
t0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0
\par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \
par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \pa
r\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\
pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pa
rd\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard
\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\q
l\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\
li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li
5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li58
55\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855
\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\s
b0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0
\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\s
l-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-20
7\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\
slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\sl
mult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmu
lt0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb52\sl-207\slmul
t0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs18 72 \par\pard\sect\s
ectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg78}{\bkmkend Pg78
}\par\pard\qj \li1418\sb0\sl-420\slmult0 \par\pard\qj\li1418\sb0\sl-420\slmult0
\par\pard\qj\li1418\sb0\sl-420\slmult0 \par\pard\qj\li1418\ri1782\sb253\sl-420\s
lmult0 \up0 \expndtw0\charscalex99 \ul0\nosupersub\cf23\f24\fs36 Chapter 9.\ul0\
nosupersub\cf24\f25\fs36 \ul0\nosupersub\cf23\f24\fs36 A national disaster ri
sk and insurance \up0 \expndtw0\charscalex97 agency \par\pard\ql \li1418\sb0\sl253\slmult0 \par\pard\ql\li1418\sb105\sl-253\slmult0\tx1985 \up0 \expndtw-3\char
scalex100 \ul0\nosupersub\cf4\f5\fs22 9.1. \tab \up0 \expndtw-1\charscalex100 In
order to address the problem of availability and affordability of flood insuran
ce, the Review \par\pard\ql \li1985\sb7\sl-253\slmult0 \up0 \expndtw-2\charscale
x100 Panel has identified five requirements which are discussed in previous chap
ters. \par\pard\ql \li1985\sb247\sl-253\slmult0\tx2551 \up0 \expndtw-3\charscale
x100 \ul0\nosupersub\cf20\f21\fs22 \u8226? \tab \up0 \expndtw-2\charscalex100 \u
l0\nosupersub\cf4\f5\fs22 To address availability, Chapter 2 recommends that all
home insurance policies include \par\pard\qj \li2551\ri1211\sb2\sl-260\slmult0
\up0 \expndtw0\charscalex100 flood cover. Chapters 4 and 5 respectively recommen
d that all insurance policies for \line \up0 \expndtw-2\charscalex100 other dwel
lings, including home units, and for home contents, also include flood cover. \p
ar\pard\ql \li1985\sb246\sl-253\slmult0\tx2551 \up0 \expndtw-3\charscalex100 \ul
0\nosupersub\cf20\f21\fs22 \u8226? \tab \up0 \expndtw0\charscalex102 \ul0\nosupe
rsub\cf4\f5\fs22 To address affordability, Chapters 3, 4 and 5 recommend that di
scounted insurance \par\pard\qj \li2551\ri1223\sb2\sl-260\slmult0 \up0 \expndtw0
\charscalex102 premiums for home insurance, home contents and home unit insuranc
e policies be \up0 \expndtw-3\charscalex100 introduced in cases where there is e
xposure to flood risk. \par\pard\li1985\sb0\sl-253\slmult0\par\pard\li1985\sb5\s

l-253\slmult0\fi0\tx2551\tx3415 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf

20\f21\fs22 \u8226?\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs2
2 Chapter\tab \up0 \expndtw0\charscalex100 7 explains and recommends a syst
em of flood premium discounts in\par\pard\li1985\sb9\sl-253\slmult0\fi566 \
up0 \expndtw0\charscalex100 conjunction with a government-sponsored reinsurance
facility to deliver flood insurance\par\pard\li1985\sb6\sl-253\slmult0\fi566 \up
0 \expndtw-1\charscalex100 discounts.\par\pard\li1985\sb246\sl-253\slmult0\fi0\t
x2551 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \u
p0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 Chapter 7 also recommends
a means of funding the discounts that are to be offered for\par\pard\li1985\sb9
\sl-253\slmult0\fi566 \up0 \expndtw-1\charscalex100 affordability purposes.\par\
pard\ql \li1985\sb233\sl-253\slmult0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\n
osupersub\cf20\f21\fs22 \u8226? \tab \up0 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf4\f5\fs22 Chapter 8 discusses national coordination of flood risk measureme
nt and mitigation to \par\pard\qj \li2551\ri1215\sb2\sl-260\slmult0 \up0 \expndt
w0\charscalex104 improve flood risk management for the benefit of the community
generally and to \up0 \expndtw-2\charscalex100 ensure the continuing development
of a competitive market for flood insurance. \par\pard\ql \li1418\sb246\sl-253\
slmult0\tx1985 \up0 \expndtw-3\charscalex100 9.2. \tab \up0 \expndtw0\charscalex
100 All of the five requirements are inter-dependent and so the right architectu
re is needed to \par\pard\qj \li1985\ri1231\sb2\sl-260\slmult0 \up0 \expndtw0\ch
arscalex103 bring them together as a solution to the problem of availability and
affordability of flood \line \up0 \expndtw-3\charscalex100 insurance. The Revie
w Panel has concluded that the centrepiece of this architecture should be \line
\up0 \expndtw-1\charscalex100 a national agency sponsored by the Commonwealth Go
vernment and charged with national \line \up0 \expndtw-1\charscalex100 coordinat
ion of flood risk management and with operating the system of premium discounts
\line \up0 \expndtw0\charscalex103 and the flood risk reinsurance facility,
supported by a funding guarantee from the \line \up0 \expndtw-3\charscal
ex100 Commonwealth. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985 \up0 \expnd
tw-3\charscalex100 9.3. \tab \up0 \expndtw-3\charscalex100 A new agency, establi
shed exclusively to bring these functions together, including linking flood \par
\pard\qj \li1985\ri1219\sb2\sl-260\slmult0 \up0 \expndtw-2\charscalex100 insuran
ce and flood risk management, would possess a unity of purpose and focus that co
uld \up0 \expndtw0\charscalex100 not be achieved were the functions to be spread
across various existing agencies. Given the \up0 \expndtw0\charscalex100 nation
al dimension involved in bringing together the elements of the new agency, it wo
uld \up0 \expndtw-1\charscalex100 need to be established under Commonwealth legi
slation. To function effectively, however, it \up0 \expndtw0\charscalex100 would
need to operate along the lines of a joint venture between the Commonwealth, th
e \up0 \expndtw-3\charscalex100 States and Territories, and the insurance indust
ry. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985 \up0 \expndtw-3\charscalex1
00 9.4. \tab \up0 \expndtw0\charscalex100 Given the right level of expertise and
authority, the right kind of governance structure and \par\pard\qj \li1985\ri12
18\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex100 accountability, and a brief t
o apply itself exclusively to these matters, a single agency of this \up0 \expnd
tw-1\charscalex100 kind would have the wherewithal to succeed where previous eff
orts of cooperation, in good \up0 \expndtw-1\charscalex100 faith, amongst a myri
ad of agencies and departments of government (Commonwealth, State \up0 \expndtw2\charscalex100 and local) and insurers have yielded limited results. \par\pard\
ql \li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\q
l\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\
li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li
5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li58
55\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb61\sl-207\slmult0 \up0 \expndtw-3\ch
arscalex100 \ul0\nosupersub\cf6\f7\fs18 73 \par\pard\sect\sectd\fs24\paperw11900
\paperh16820\pard\sb0\sl-240{\bkmkstart Pg79}{\bkmkend Pg79}\par\pard\ql \li6527
\sb0\sl-207\slmult0 \par\pard\ql\li6527\sb0\sl-207\slmult0 \par\pard\ql\li6527\s
b14\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs18 Cha
pter 9: National flood risk and insurance agency \par\pard\ql \li1418\sb0\sl-253

\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb69\sl-253\

slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf9\f10\fs28 R\ul0\nosuper
sub\cf10\f11\fs22 OLES OF THE AGENCY \par\pard\ql \li1418\sb247\sl-253\slmult0\t
x1985 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 9.5. \tab \up0 \
expndtw0\charscalex100 The Commonwealth legislation establishing the agency woul
d set out its roles and functions. \par\pard\qj \li1985\ri1219\sb2\sl-260\slmult
0 \up0 \expndtw0\charscalex100 There are some functions that are essential. Once
it exists, additional functions and services \up0 \expndtw-3\charscalex100 coul
d be undertaken if that were advantageous to the community. \par\pard\ql \li1418
\sb246\sl-253\slmult0\tx1985 \up0 \expndtw-3\charscalex100 9.6. \tab \up0 \expnd
tw0\charscalex100 With respect to improving flood risk management, the agency wo
uld bring together the roles \par\pard\qj \li1985\ri1213\sb2\sl-260\slmult0 \up0
\expndtw0\charscalex103 discussed in Chapter 8. For example, the agency would d
evelop national guidelines for the \up0 \expndtw0\charscalex100 collection of fl
ood risk information. As part of the development process for these guidelines, \
up0 \expndtw-1\charscalex100 the agency would consult all users of flood risk in
formation to ensure that the guidelines meet \up0 \expndtw0\charscalex106 their
needs. The agency would also consult those who prepare flood risk information to
\up0 \expndtw0\charscalex108 determine how best to meet the requirements of use
rs, given existing technology and \up0 \expndtw-1\charscalex100 prospective deve
lopments. The agency should encourage continuous improvement so that, as \up0 \e
xpndtw0\charscalex105 technology evolves and more information conforms to the gu
idelines, the guidelines are \up0 \expndtw-2\charscalex100 updated and, most imp
ortantly, the quality and scope of flood risk measurement and flood risk \up0 \e
xpndtw-3\charscalex100 databases are continually extended and updated. \par\pard
\ql \li1418\sb246\sl-253\slmult0\tx1985 \up0 \expndtw-3\charscalex100 9.7. \tab
\up0 \expndtw0\charscalex100 The agency would also coordinate flood mapping acro
ss the country. While responsibility for \par\pard\qj \li1985\ri1230\sb2\sl-260\
slmult0 \up0 \expndtw0\charscalex104 undertaking flood mapping would remain with
State and Territory governments and local \line \up0 \expndtw0\charscalex102 au
thorities, the agency would act as a national repository of flood risk informati
on through \line \up0 \expndtw0\charscalex100 collating and analysing informatio
n collected by others. The agency would also have a role in \line \up0 \expndtw1\charscalex100 disseminating information to governments, insurers and the commu
nity and could establish a \line \up0 \expndtw-1\charscalex100 portal for that p
urpose. It could also play a valuable role in overseeing the quality of the floo
d \line \up0 \expndtw-3\charscalex100 risk information. \par\pard\ql \li1418\sb2
46\sl-253\slmult0\tx1985 \up0 \expndtw-3\charscalex100 9.8. \tab \up0 \expndtw0\
charscalex105 The Panel envisages that flood risk information currently held by
numerous public sector \par\pard\qj \li1985\ri1222\sb2\sl-260\slmult0 \up0 \expn
dtw0\charscalex100 agencies and others would be brought together within the agen
cy. The Panel also envisages \up0 \expndtw0\charscalex103 that flood risk inform
ation of the kind contained in the insurance industry\u8217?s National Flood \up
0 \expndtw0\charscalex102 Information Database (NFID) would be included in the i
nformation held by the agency. This \up0 \expndtw-1\charscalex100 could occur ei
ther by the agency gaining access to the NFID, with the support of the insurance
\up0 \expndtw0\charscalex103 industry, and progressively enhancing it, or by th
e agency creating a similar database of its \up0 \expndtw-1\charscalex100 own. I
nsurers would also contribute data regularly to the agency on flood claims, for
example \up0 \expndtw-3\charscalex100 the location, nature and costs of flood cl
aims. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985 \up0 \expndtw-3\charscale
x100 9.9. \tab \up0 \expndtw0\charscalex104 There would also be benefits in
the agency collecting and storing information from \par\pard\qj \li1985\
ri1211\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex102 homeowners about mitigati
on measures they have put in place that reduce their flood risk, \up0 \expndtw0\
charscalex106 such as raising the house or modifying its construction. In undert
aking this function, the \up0 \expndtw-2\charscalex100 agency would, however, ne
ed to protect the privacy of individual homeowners. \par\pard\ql \li1418\sb246\s
l-253\slmult0\tx1985 \up0 \expndtw-3\charscalex100 9.10. \tab \up0 \expndtw0\cha
rscalex102 As noted in Chapter 8, members of the public can benefit from flood r

isk information about \par\pard\qj \li1985\ri1210\sb2\sl-260\slmult0 \up0 \expnd

tw-1\charscalex100 individual homes, either their existing homes or homes they m
ay be considering purchasing or \line \up0 \expndtw0\charscalex103 renting. The
agency would be responsible for determining the quantification of risks which \l
ine \up0 \expndtw0\charscalex100 would lie behind descriptors provided to consum
ers such as extreme, high, medium and low \line \up0 \expndtw-2\charscalex100 ri
sk, in relation to both the probability of a flood and how hazardous the flood m
ight be. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985 \up0 \expndtw-3\charsc
alex100 9.11. \tab \up0 \expndtw-2\charscalex100 As there are a number of differ
ent users of flood risk information, with different requirements, \par\pard\qj \
li1985\ri1228\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex100 it would be import
ant for the agency to provide tiered access to the information it holds, by \lin
e \up0 \expndtw-1\charscalex100 establishing a series of levels of data storage
and accessibility. For example, the general public \line \up0 \expndtw0\charscal
ex100 should be able to access information held in the first level, at no cost,
but other users should \line \up0 \expndtw-2\charscalex100 be able to access mor
e detailed information held in other levels, depending on their needs and \line
\up0 \expndtw-3\charscalex100 perhaps paying fees. \par\pard\ql \li1418\sb246\sl
-253\slmult0\tx1985 \up0 \expndtw-3\charscalex100 9.12. \tab \up0 \expndtw0\char
scalex100 The agency would also undertake reporting of progress made in flood ri
sk measurement and \par\pard\ql \li1985\sb7\sl-253\slmult0 \up0 \expndtw0\charsc
alex103 mitigation activities, highlighting where measurement has been undertake
n in accordance \par\pard\ql \li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\
sl-207\slmult0 \par\pard\ql\li5855\sb151\sl-207\slmult0 \up0 \expndtw-3\charscal
ex100 \ul0\nosupersub\cf6\f7\fs18 74 \par\pard\sect\sectd\fs24\paperw11900\paper
h16820\pard\sb0\sl-240{\bkmkstart Pg80}{\bkmkend Pg80}\par\pard\ql \li6527\sb0\s
l-207\slmult0 \par\pard\ql\li6527\sb0\sl-207\slmult0 \par\pard\ql\li6527\sb14\sl
-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 9
: National flood risk and insurance agency \par\pard\qj \li1985\sb0\sl-260\slmul
t0 \par\pard\qj\li1985\ri1225\sb230\sl-260\slmult0 \up0 \expndtw0\charscalex100
\ul0\nosupersub\cf4\f5\fs22 with guidelines and where flood risk reduction has o
ccurred as a result of mitigation actions. \up0 \expndtw0\charscalex102 This rep
orting should enhance awareness of flood risk. The agency could also report wher
e \up0 \expndtw0\charscalex104 new homes have been built in flood prone areas, n
oting what mitigation measures, if any, \up0 \expndtw-3\charscalex100 have been
incorporated into the construction. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx
1985 \up0 \expndtw-3\charscalex100 9.13. \tab \up0 \expndtw0\charscalex100 The R
eview Panel also considers that the agency should have a role in advising govern
ments \par\pard\qj \li1985\ri1231\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex10
0 with respect to flood risk measurement and mitigation priorities. Because the
agency would \line \up0 \expndtw0\charscalex102 collect, collate, analyse, disse
minate and publish flood risk information and report progress \line \up0 \expndt
w0\charscalex104 made on governments\u8217? flood risk measurement and mitigatio
n activities; it would be well \line \up0 \expndtw0\charscalex100 placed to advi
se governments in relation to future priorities. For example, it could draw to a
\line \up0 \expndtw0\charscalex100 government\u8217?s attention the areas that
require updated flood modelling or where a particular \line \up0 \expndtw-1\char
scalex100 mitigation program would be warranted. Undertaking mitigation would, h
owever, remain the \line \up0 \expndtw-1\charscalex100 responsibility of State,
Territory and local governments and mitigation funding and associated \line \up0
\expndtw0\charscalex107 programmes, would continue to be considered in conjunct
ion with the Commonwealth \line \up0 \expndtw-3\charscalex100 Government.\ul0\su
per\cf26\f27\fs20 51 \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985 \up0 \expn
dtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 9.14. \tab \up0 \expndtw0\charsc
alex100 Regarding building standards, the agency should maintain a relationship
with the Australian \par\pard\qj \li1985\ri1215\sb2\sl-260\slmult0 \up0 \expndtw
0\charscalex107 Building Code Board in order to influence as many aspects of flo
od risk management as \up0 \expndtw0\charscalex107 possible. For example, the a
gency may wish to influence the technical standards and \up0 \expndtw-2\chars
calex100 non-regulatory guidance that the Australian Building Code Board puts in

place. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985 \up0 \expndtw-3\charsca

lex100 9.15. \tab \up0 \expndtw0\charscalex100 The agency would also be responsi
ble for operating the reinsurance facility in the manner set \par\pard\qj \li198
5\ri1213\sb2\sl-260\slmult0 \up0 \expndtw-1\charscalex100 out in Chapter 7. This
role would be a substantial one, covering setting prices and maintaining \up0 \
expndtw0\charscalex103 a system to notify prices to insurers, collecting reinsur
ance premiums and relevant insurer \up0 \expndtw-2\charscalex100 data, and gener
ally maintaining the financial integrity and records of the facility. \par\pard\
li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0
\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\sl
mult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\
pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li141
8\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-2
07\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0
\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\
li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0
\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\sl
mult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\
pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li141
8\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-2
07\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0
\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\
li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb7
7\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f
28\fs18 51\tab \up0 \expndtw-1\charscalex100 The Commonwealth Government makes a
contribution to mitigation through the Natural Disaster Resilience\par\pard\li1
418\sb55\sl-207\slmult0\fi566 \up0 \expndtw-2\charscalex100 Program.\par\pard\ql
\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\
li5855\sb86\sl-207\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\
fs18 75
{\shp {\*\shpinst\shpleft1418\shptop14765\shpright4299\shpbottom14785\shpfhdr0\s
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p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g81}{\bkmkend Pg81}\par\pard\ql \li6527\sb0\sl-207\slmult0 \par\pard\ql\li6527\s
b0\sl-207\slmult0 \par\pard\ql\li6527\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 9: National flood risk and insurance
agency \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\s
lmult0 \par\pard\ql\li1526\sb129\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \u
l0\nosupersub\cf16\f17\fs22 Recommendation 25 \par\pard\qj \li1526\ri1334\sb122\
sl-260\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That a
national agency sponsored by the Commonwealth Government be established to under
take \up0 \expndtw0\charscalex100 national coordination of flood risk management
and to operate the system of premium discounts \up0 \expndtw-3\charscalex100 an
d the flood risk reinsurance facility. \par\pard\ql \li1526\sb126\sl-253\slmult0
\up0 \expndtw-3\charscalex100 The Agency would: \par\pard\ql \li1560\sb127\sl-2
53\slmult0\tx2126 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u
8226? \tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 coordinate
flood mapping across the country (while leaving responsibility for undertaking \
par\pard\ql \li2126\sb7\sl-253\slmult0 \up0 \expndtw-2\charscalex100 flood mappi
ng in the hands of State and Territory governments and local authorities); \par\
pard\ql \li1560\sb247\sl-253\slmult0\tx2126 \up0 \expndtw-3\charscalex100 \ul0\n

osupersub\cf20\f21\fs22 \u8226? \tab \up0 \expndtw0\charscalex100 \ul0\nosupersu

b\cf4\f5\fs22 introduce national guidelines for flood risk mapping and cl
assifications, prepared in \par\pard\ql \li2126\sb7\sl-253\slmult0 \up0 \expnd
tw-3\charscalex100 consultation with producers and users of flood risk informati
on; \par\pard\li1560\sb253\sl-253\slmult0\fi0\tx2126 \up0 \expndtw0\charscalex10
0 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw0\charscalex100 \ul0\no
supersub\cf4\f5\fs22 act as a national repository of flood risk information, pri
marily through collating and\par\pard\li1560\sb6\sl-253\slmult0\fi566 \up0 \expn
dtw0\charscalex100 analysing information collected by others;\par\pard\li1560\sb
250\sl-253\slmult0\fi0\tx2126 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf20\
f21\fs22 \u8226?\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 co
ntinue development of the Insurance Council of Australia\u8217?s National Flood
Information\par\pard\li1560\sb6\sl-253\slmult0\fi566 \up0 \expndtw0\charscalex10
0 Database or an equivalent developed by the Agency;\par\pard\li1560\sb246\sl-25
3\slmult0\fi0\tx2126 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf20\f21\fs22
\u8226?\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 monitor the
effectiveness of flood risk mitigation initiatives across the country and advis
e\par\pard\li1560\sb9\sl-253\slmult0\fi566 \up0 \expndtw0\charscalex100 on prior
ities for flood risk mitigation;\par\pard\li1560\sb246\sl-253\slmult0\fi0\tx2126
\up0 \expndtw0\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \ex
pndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 publish and disseminate flood r
isk information in forms appropriate to various groups of\par\pard\li1560\sb6\sl
-253\slmult0\fi566 \up0 \expndtw0\charscalex100 users; and\par\pard\li1560\sb129
\sl-253\slmult0\fi0\tx2126 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf20\f21
\fs22 \u8226?\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 overs
ee the quality of flood risk information.\par\pard\ql \li1418\sb0\sl-253\slmult0
\par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb173\sl-253\slmult0
\up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf9\f10\fs28 P\ul0\nosupersub\cf1
0\f11\fs22 OSSIBLE GOVERNANCE STRUCTURES OF THE AGENCY \par\pard\ql \li1418\ri12
30\sb242\sl-260\slmult0\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex100 \ul0\n
osupersub\cf4\f5\fs22 9.16.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5
\fs22 The governance structures of the new agency are ultimately matters for the
Commonwealth \line\tab \up0 \expndtw0\charscalex104 Government to determine hav
ing regard to existing laws and financial arrangements. The \line\tab \up0 \expn
dtw0\charscalex102 agency would, however, require a governance structure, accoun
tability and a skills set that \line\tab \up0 \expndtw-3\charscalex100 recognise
its roles. \par\pard\ql \li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb69\sl299\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf18\f19\fs26 A govern
ing board \par\pard\ql \li1418\ri1212\sb225\sl-270\slmult0\tx1985\tx1985 \up0 \e
xpndtw0\charscalex106 \ul0\nosupersub\cf4\f5\fs22 9.17.\ul0\nosupersub\cf11\f12\
fs22 \ul0\nosupersub\cf4\f5\fs22 To facilitate the active involvement of the Co
mmonwealth, State and Territory and local \line\tab \up0 \expndtw-2\charscalex10
0 governments and the insurance industry, the Review Panel envisages that the ag
ency would be \line\tab \up0 \expndtw-3\charscalex100 governed by a board that i
ncluded nominees from each of these sectors. \par\pard\ql \li1418\ri1216\sb215\s
l-265\slmult0\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex100 9.18.\ul0
\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The agency would need to
draw on insurance industry expertise in operating the reinsurance \line\tab \up0
\expndtw-1\charscalex100 facility and in its broader governance. States and Ter
ritories would also have a role in defining \line\tab \up0 \expndtw0\charscalex1
11 the priorities and activities of the agency. The agency\u8217?s roles in rela
tion to flood risk \line\tab \up0 \expndtw0\charscalex102 measurement and flood
mitigation and in disseminating flood risk information mean that it \line\tab \u
p0 \expndtw-3\charscalex100 would also be advantageous for local government to h
ave a role. \par\pard\ql \li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb48\sl299\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf18\f19\fs26 Funding
the administrative costs of the new agency \par\pard\ql \li1418\ri1235\sb254\sl260\slmult0\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex110 \ul0\nosupersub\cf
4\f5\fs22 9.19.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 With r
espect to funding for the agency, Chapter 7 notes that in addition to collecting

\line\tab \up0 \expndtw0\charscalex104 premiums, the reinsurance facility would

charge a small administrative fee for each policy \line\tab \up0 \expndtw-2\cha
rscalex100 ceded to the facility, say $20 per policy. It would support the fundi
ng of the reinsurance facility \line\tab \up0 \expndtw-2\charscalex100 and creat
e a financial transaction that would assist with the management of the facility
and its \par\pard\ql \li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\s
lmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb3\sl-207\slm
ult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs18 76
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{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop3438\shpright10385\shpbottom3937\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz231\shplid8
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 499}}
{\sp{\sn pVerticies}{\sv 8;5;(1,499);(8859,499);(8859,0);(1,0);(1,499)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop3937\shpright10385\shpbottom4199\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz274\shplid9
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{

\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 262}}

{\sp{\sn pVerticies}{\sv 8;5;(1,262);(8859,262);(8859,0);(1,0);(1,262)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop4198\shpright10385\shpbottom4698\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz315\shplid10
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 500}}
{\sp{\sn pVerticies}{\sv 8;5;(1,500);(8859,500);(8859,1);(1,1);(1,500)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop4698\shpright10385\shpbottom4957\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz345\shplid11
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 259}}
{\sp{\sn pVerticies}{\sv 8;5;(1,259);(8859,259);(8859,0);(1,0);(1,259)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop4957\shpright10385\shpbottom5459\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz399\shplid12
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 502}}
{\sp{\sn pVerticies}{\sv 8;5;(1,502);(8859,502);(8859,0);(1,0);(1,502)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop5458\shpright10385\shpbottom5719\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz429\shplid13
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 261}}
{\sp{\sn pVerticies}{\sv 8;5;(1,260);(8859,260);(8859,1);(1,1);(1,260)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop5718\shpright10385\shpbottom6218\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz470\shplid14
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{

\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 500}}

{\sp{\sn pVerticies}{\sv 8;5;(1,500);(8859,500);(8859,0);(1,0);(1,500)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop6217\shpright10385\shpbottom6479\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz500\shplid15
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 262}}
{\sp{\sn pVerticies}{\sv 8;5;(1,262);(8859,262);(8859,1);(1,1);(1,262)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop6479\shpright10385\shpbottom6979\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz554\shplid16
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 500}}
{\sp{\sn pVerticies}{\sv 8;5;(1,499);(8859,499);(8859,0);(1,0);(1,499)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop6978\shpright10385\shpbottom7238\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz584\shplid17
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 260}}
{\sp{\sn pVerticies}{\sv 8;5;(1,260);(8859,260);(8859,0);(1,0);(1,260)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop7237\shpright10385\shpbottom7619\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz625\shplid18
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 382}}
{\sp{\sn pVerticies}{\sv 8;5;(1,382);(8859,382);(8859,1);(1,1);(1,382)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop7619\shpright10385\shpbottom7999\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz655\shplid19
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{

\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 380}}

{\sp{\sn pVerticies}{\sv 8;5;(1,379);(8859,379);(8859,0);(1,0);(1,379)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g82}{\bkmkend Pg82}\par\pard\ql \li6527\sb0\sl-207\slmult0 \par\pard\ql\li6527\s
b0\sl-207\slmult0 \par\pard\ql\li6527\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 9: National flood risk and insurance
agency \par\pard\qj \li1985\sb0\sl-260\slmult0 \par\pard\qj\li1985\ri1233\sb230
\sl-260\slmult0 \up0 \expndtw0\charscalex105 \ul0\nosupersub\cf4\f5\fs22 interac
tions with insurers. This would be a cost to insurers who may seek to pass it on
to \up0 \expndtw0\charscalex100 policyholders, but the small size of the impost
argues against it undermining the affordability \up0 \expndtw-3\charscalex100 a
ims of the facility. \par\pard\qj \li1418\ri1214\sb240\sl-260\slmult0\tx1985 \up
0 \expndtw0\charscalex105 9.20.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf
4\f5\fs22 Other funding required by the agency, for example to undertak
e various flood risk \line\tab \up0 \expndtw-3\charscalex100 management activ
ities, may need to be met by the Commonwealth. \par\pard\ql \li1526\sb0\sl-253\s
lmult0 \par\pard\ql\li1526\sb113\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \u
l0\nosupersub\cf16\f17\fs22 Recommendation 26: \par\pard\qj \li1526\ri1340\sb242
\sl-260\slmult0 \up0 \expndtw0\charscalex106 \ul0\nosupersub\cf4\f5\fs22 That t
he Agency charge insurers a small administrative fee for each policy cede
d to the \up0 \expndtw-3\charscalex100 reinsurance facility. \par\pard\ql \li141
8\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb209\sl-299\slmult0 \up0 \expndtw-3\ch
arscalex100 \ul0\nosupersub\cf18\f19\fs26 Administrative independence \par\pard\
qj \li1418\ri1227\sb234\sl-260\slmult0\tx1985 \up0 \expndtw0\charscalex103 \ul0\
nosupersub\cf4\f5\fs22 9.21.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f
5\fs22 The agency should be given independence from government and insu
rer influence in \line\tab \up0 \expndtw-3\charscalex100 undertaking its roles
relating to: \par\pard\li1985\sb0\sl-253\slmult0\par\pard\li1985\sb11\sl-253\sl
mult0\fi0\tx2551 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8
226?\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 coordination
of flood risk mapping and information management;\par\pard\li1985\sb246\sl-253\s
lmult0\fi0\tx2551 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u
8226?\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 managing the
reinsurance facility including setting premiums and discounts, interacting\par\
pard\qj \li2551\ri1231\sb0\sl-260\slmult0 \up0 \expndtw0\charscalex105 with insu
rers on prices and discounts, collecting premiums and making reinsurance \up0 \e
xpndtw-3\charscalex100 payments to insurers; and \par\pard\ql \li1985\sb231\sl-2
53\slmult0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u
8226? \tab \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf4\f5\fs22 employing st
aff and setting remuneration arrangements, noting that its staff would \par\pard
\ql \li2551\sb7\sl-253\slmult0 \up0 \expndtw-3\charscalex100 require specialised
skills and employment experience. \par\pard\ql \li5855\sb0\sl-207\slmult0 \par\
pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pa
rd\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard
\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\q
l\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\
li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li
5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li58
55\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855
\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\s
b0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0
\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\s
l-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-20
7\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\

slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\sl

mult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmu
lt0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult
0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0
\par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb106\sl-207\slmult0
\up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs18 77
{\shp {\*\shpinst\shpleft1418\shptop3164\shpright1527\shpbottom4424\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz99\shplid0
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 109}}{\sp{\sn geoBottom}{\sv 1260}}
{\sp{\sn pVerticies}{\sv 8;5;(1,1260);(109,1260);(109,0);(1,0);(1,1260)}}
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}}
{\shp {\*\shpinst\shpleft10384\shptop3164\shpright10493\shpbottom4424\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz101\shplid1
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 109}}{\sp{\sn geoBottom}{\sv 1260}}
{\sp{\sn pVerticies}{\sv 8;5;(1,1260);(109,1260);(109,0);(1,0);(1,1260)}}
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop3178\shpright10385\shpbottom3784\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz109\shplid2
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 606}}
{\sp{\sn pVerticies}{\sv 8;5;(1,605);(8859,605);(8859,1);(1,1);(1,605)}}
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop3783\shpright10385\shpbottom4043\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz141\shplid3
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 260}}
{\sp{\sn pVerticies}{\sv 8;5;(1,260);(8859,260);(8859,0);(1,0);(1,260)}}
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8}}
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89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1526\shptop4042\shpright10385\shpbottom4424\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz155\shplid4
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 382}}
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{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276

8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g83}{\bkmkend Pg83}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl
-240{\bkmkstart Pg84}{\bkmkend Pg84}\par\pard\ql \li1418\sb0\sl-414\slmult0 \par
\pard\ql\li1418\sb0\sl-414\slmult0 \par\pard\ql\li1418\sb0\sl-414\slmult0 \par\p
ard\ql\li1418\sb275\sl-414\slmult0 \up0 \expndtw0\charscalex98 \ul0\nosupersub\c
f23\f24\fs36 Chapter 10.\ul0\nosupersub\cf24\f25\fs36 \ul0\nosupersub\cf23\f24\
fs36 Other natural disasters \par\pard\ql \li1418\sb0\sl-260\slmult0 \par\pard
\ql\li1418\sb0\sl-260\slmult0 \par\pard\ql\li1418\ri1222\sb54\sl-260\slmult0\tx1
985\tx1985 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 10.1.\ul0\n
osupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 There is a range of natural
disasters that have the potential to cause large scale property losses \line\ta
b \up0 \expndtw0\charscalex102 across Australia. Some of these are covered as a
matter of course in all home, contents and \line\tab \up0 \expndtw-3\charscalex1
00 home unit insurance policies and some are not. \par\pard\ql \li1418\ri1231\sb
240\sl-260\slmult0\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex105 10.2.\ul0\n
osupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Of those natural disasters
that are always covered, the Review Panel is only aware of one \line\tab \up0 \e
xpndtw0\charscalex102 possible issue in relation to availability and affordabili
ty of coverage. It concerns the home, \line\tab \up0 \expndtw0\charscalex100 con
tents and home unit insurance market for dwellings with high cyclone risk, parti
cularly in \line\tab \up0 \expndtw-3\charscalex100 north Queensland. \par\pard\q
l \li1418\ri1207\sb240\sl-260\slmult0\tx1985\tx1985\tx1985 \up0 \expndtw0\charsc
alex105 10.3.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Apart fr
om flood, the other natural disasters that are not currently universally covered
in \line\tab \up0 \expndtw0\charscalex100 home, contents and home unit insuranc
e policies are landslide and actions of the sea. These \line\tab \up0 \expndtw-2
\charscalex100 events are often, but not always, covered if they are the result
of another event that is covered \line\tab \up0 \expndtw-2\charscalex100 under t
he policy (for example, heavy rainfall in the case of a landslide). \par\pard\ql
\li1418\sb0\sl-264\slmult0 \par\pard\ql\li1418\sb213\sl-264\slmult0 \up0 \expnd
tw-3\charscalex100 \ul0\nosupersub\cf42\f43\fs28 C\ul0\nosupersub\cf43\f44\fs22
YCLONE \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985 \up0 \expndtw-3\charscal
ex100 \ul0\nosupersub\cf4\f5\fs22 10.4. \tab \up0 \expndtw0\charscalex102 Damage
from cyclone is currently included as standard in all home, contents and home u
nit \par\pard\qj \li1985\ri1217\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex103
insurance policies because cyclone is a category of storm and storm damage is co
vered. As \up0 \expndtw-2\charscalex100 such, cyclones do not typically lead to
a high level of claim disputes. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985
\up0 \expndtw-3\charscalex100 10.5. \tab \up0 \expndtw0\charscalex100 However,
a number of personal submissions to, and consultations undertaken by, the Review
\par\pard\qj \li1985\ri1230\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex103 Pan
el have highlighted potential issues with both availability and affordability of
insurance \line \up0 \expndtw0\charscalex100 cover in areas exposed to cyclones
, predominantly in north Queensland. Insurance cover has \line \up0 \expndtw0\ch
arscalex100 become difficult to source, particularly for strata title properties
, because there are a limited \line \up0 \expndtw0\charscalex103 number of insur
ers who will offer the cover, even when brokers are used. There have also \line
\up0 \expndtw0\charscalex105 been cases of bodies corporate being quoted premium
increases of up to 400 per cent in \line \up0 \expndtw-3\charscalex100 2010-11.
\ul0\super\cf26\f27\fs20 52 \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985 \up
0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 10.6. \tab \up0 \expndtw0
\charscalex103 It is unclear whether the lack of affordability is being driven b
y a lack of competition in the \par\pard\qj \li1985\ri1227\sb2\sl-260\slmult0 \u
p0 \expndtw0\charscalex106 market or the underlying risk profile in these areas.
Insurance market capacity has been \line \up0 \expndtw0\charscalex107 diminishi

ng in north Queensland for several reasons, most of which are founded on the \li
ne \up0 \expndtw0\charscalex102 underlying risk profile of the area. Some insure
rs have withdrawn from the market perhaps \line \up0 \expndtw-1\charscalex100 be
cause it is small or because they are over-exposed (which can occur when others
withdraw, \line \up0 \expndtw0\charscalex102 creating an adverse cycle for avail
able capacity) or because their reinsurance arrangements \line \up0 \expndtw-3\c
harscalex100 make it uneconomic. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx198
5 \up0 \expndtw-3\charscalex100 10.7. \tab \up0 \expndtw-1\charscalex100 A paral
lel can be drawn between the Cyclone Yasi situation in north Queensland and the
flood \par\pard\ql \li1985\sb7\sl-253\slmult0 \up0 \expndtw-3\charscalex100 insu
rance situation in the Brisbane and Ipswich areas: \par\pard\ql \li1985\ri1230\s
b242\sl-260\slmult0\tx2270\tx2270 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\
cf20\f21\fs22 \u8226?\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22
in Cyclone Yasi, all policyholders had storm cover so there have been few comp
laints about \line\tab \up0 \expndtw0\charscalex100 claims but, as insurance ren
ewals occur following the cyclone, some very large premium \line\tab \up0 \expnd
tw-3\charscalex100 increases have arisen; and \par\pard\li1418\sb0\sl-207\slmult
0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard
\li1418\sb136\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf27\f28\fs18 52\tab \up0 \expndtw-1\charscalex100 Submission to NDIR Issu
es Paper, Jo Anne Cracknell, \u8216?400 per cent increase in insurance premium f
or one bedroom\par\pard\li1418\sb14\sl-207\slmult0\fi566 \up0 \expndtw-2\charsca
lex100 units\u8217?, p 1.\par\pard\ql \li1985\sb0\sl-206\slmult0 \up0 \expndtw-1
\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.ndir.gov.au/content/sub
missions/issues_paper_submissions/Cracknell.pdf" }}{\fldrslt {\ul0\nosupersub\cf
27\f28\fs18 http://www.ndir.gov.au/content/submissions/issues_paper_submissions/
Cracknell.pdf}}} \par\pard\ql \li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0
\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb133
\sl-207\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs18 79
{\shp {\*\shpinst\shpleft1418\shptop14385\shpright4299\shpbottom14405\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz582\shplid0
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 2881}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(2881,20);(2881,0);(0,0);(0,20)}}
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g85}{\bkmkend Pg85}\par\pard\ql \li7739\sb0\sl-207\slmult0 \par\pard\ql\li7739\s
b0\sl-207\slmult0 \par\pard\ql\li7739\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 10: Other Natural Disasters \par\par
d\ql \li1985\sb0\sl-260\slmult0 \par\pard\ql\li1985\ri1212\sb230\sl-260\slmult0\
tx2270\tx2270\tx2270 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf20\f21\fs22
\u8226?\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 in the Bris
bane and Ipswich floods many complaints occurred about claims because many \line
\tab \up0 \expndtw0\charscalex100 policyholders where not covered; some of those
policyholders now wishing to purchase \line\tab \up0 \expndtw-1\charscalex100 f
lood cover are being asked to pay very high premiums (which is the parallel with
Cyclone \line\tab \up0 \expndtw-1\charscalex100 Yasi) but also they can opt-out
of purchasing the cover if they choose. \par\pard\ql \li1418\sb246\sl-253\slmul
t0\tx1985 \up0 \expndtw-3\charscalex100 10.8. \tab \up0 \expndtw0\charscalex102
The Review Panel has not had the means or the time to investigate fully the caus
es of the \par\pard\qj \li1985\ri1227\sb2\sl-260\slmult0 \up0 \expndtw-2\charsca
lex100 recent price increases in the north Queensland market. In particular, it
is difficult to tell if the \up0 \expndtw-1\charscalex100 increases observed in
some cyclone prone areas are being driven by a lack of competition in \up0 \expn
dtw-2\charscalex100 the insurance market or whether they reflect a reassessment

of the underlying risk profiles in \up0 \expndtw-3\charscalex100 these areas. Ei

ther way they reflect a lack of market capacity and a limited appetite of insure
rs \up0 \expndtw-4\charscalex100 for exposures in these areas. \par\pard\ql \li1
418\sb246\sl-253\slmult0\tx1985 \up0 \expndtw-3\charscalex100 10.9. \tab \up0 \e
xpndtw0\charscalex100 On the basis of the evidence outlined above, the Review Pa
nel accepts that there is, prima \par\pard\qj \li1985\ri1225\sb2\sl-260\slmult0
\up0 \expndtw0\charscalex102 facie, an affordability problem in some cyclone pro
ne areas of Australia, regardless of the \up0 \expndtw-2\charscalex100 cause, an
d considers that a two stage approach is the best way to deal with this problem.
The \up0 \expndtw-3\charscalex100 Review Panel recommends: \par\pard\ql \li1985
\sb246\sl-253\slmult0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\
f21\fs22 \u8226? \tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22
firstly, that the reinsurance facility provide undiscounted reinsurance cover fo
r cyclone \par\pard\qj \li2551\ri1238\sb2\sl-260\slmult0 \up0 \expndtw0\charscal
ex100 risk to the insurance market on the same basis as recommended for flood in
surance. \line \up0 \expndtw0\charscalex100 That is, the reinsurance facility wo
uld allow insurers to reinsure a large proportion of \line \up0 \expndtw-3\chars
calex100 their cyclone exposure with the facility, giving insurers capacity to w
rite business in high \line \up0 \expndtw-1\charscalex100 cyclone risk areas wit
hout facing significant accumulations of exposure, as is currently \line \up0 \e
xpndtw-3\charscalex100 the case; \par\pard\ql \li2551\sb246\sl-253\slmult0\tx312
0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 -\tab \up0 \expndt
w-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 this step should encourage more pa
rticipation in this market which would in turn \par\pard\qj \li3120\ri1233\sb2\s
l-260\slmult0 \up0 \expndtw-1\charscalex100 be expected to put downward pressure
on premiums. The prices offered by the \up0 \expndtw0\charscalex107 reinsurance
facility may then be lower than the prices that insurers would \up0 \expndtw-2\
charscalex100 otherwise charge for the risk and, if so, would further reduce pre
miums faced by \up0 \expndtw-3\charscalex100 policyholders; and \par\pard\ql \li
1985\sb246\sl-253\slmult0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\c
f20\f21\fs22 \u8226? \tab \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf4\f5\f
s22 secondly that an investigation be undertaken as to whether there is a basis
for providing \par\pard\qj \li2551\ri1218\sb2\sl-260\slmult0 \up0 \expndtw-2\cha
rscalex100 reinsurance for cyclone risk on a discounted basis, in a similar mann
er to the discounts \up0 \expndtw-2\charscalex100 being recommended for flood co
ver, in order to further improve affordability. \par\pard\ql \li1526\sb0\sl-253\
slmult0 \par\pard\ql\li1526\sb113\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \
ul0\nosupersub\cf16\f17\fs22 Recommendation 27 \par\pard\ql \li1526\sb127\sl-253
\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That: \par\pa
rd\ql \li1526\ri1325\sb231\sl-273\slmult0\tx1810\tx1810\tx1810 \up0 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0\nosupersub\cf13\f14\fs20
\ul0\nosupersub\cf4\f5\fs22 the Agency offer cover to insurers for cyclone ri
sk, on the same basis as for flood risk, but with \line\tab \up0 \expndtw-3\char
scalex100 no affordability discounts (in the expectation that, when the Agency d
oes its own pricing, it will \line\tab \up0 \expndtw-3\charscalex100 offer a fai
r price to home and home unit owners. This price may be lower but is not guarant
eed \line\tab \up0 \expndtw-4\charscalex100 to be lower than the prices of comme
rcial insurers); and \par\pard\ql \li1526\ri1323\sb230\sl-270\slmult0\tx1810\tx1
810 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf21\f22\fs20 \u8226?\ul0\nosup
ersub\cf13\f14\fs20 \ul0\nosupersub\cf4\f5\fs22 an investigation be undertake
n to ascertain whether there is a basis for granting affordability \line\tab \up
0 \expndtw0\charscalex100 discounts for cyclone risk, along the lines of the rec
ommended flood insurance discounts, for \line\tab \up0 \expndtw-3\charscalex100
homes and home units in northern Australia.[Box text paragraph] \par\pard\ql \li
1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\li14
18\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb46\sl-253\slmult0 \up0 \expndtw-3\ch
arscalex100 \ul0\nosupersub\cf42\f43\fs28 A\ul0\nosupersub\cf43\f44\fs22 CTIONS
OF THE SEA \par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1230\sb
2\sl-260\slmult0\tx1985 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf4\f5\fs22
10.10.Actions of the sea can be seen as comprising three types of peril: tsunam

i, storm surge and \line\tab \up0 \expndtw-3\charscalex100 other tidal inundatio

n. \par\pard\ql \li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult
0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0
\par\pard\ql\li5855\sb16\sl-207\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosup
ersub\cf6\f7\fs18 80
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{\shp {\*\shpinst\shpleft1526\shptop12962\shpright10385\shpbottom13472\shpfhdr0\
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89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g86}{\bkmkend Pg86}\par\pard\ql \li7739\sb0\sl-207\slmult0 \par\pard\ql\li7739\s
b0\sl-207\slmult0 \par\pard\ql\li7739\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 10: Other Natural Disasters \par\par
d\ql \li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb218\sl-299\slmult0 \up0 \e
xpndtw-3\charscalex100 \ul0\nosupersub\cf18\f19\fs26 Tsunami and Storm Surge \pa
r\pard\ql \li1418\ri1216\sb234\sl-260\slmult0\tx1985\tx1985 \up0 \expndtw0\chars
calex105 \ul0\nosupersub\cf4\f5\fs22 10.11.Tsunamis and storm surges are often,
but not always, related to other events that would \line\tab \up0 \expndtw0\char
scalex100 normally be covered in a home insurance policy. For example, tsunamis
are often caused by \line\tab \up0 \expndtw-2\charscalex100 undersea earthquakes
and storm surges are typically associated with cyclones. \par\pard\ql \li1418\r
i1223\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex
104 10.12.Cover for tsunami and storm surge is provided by some but not all insu
rers in the current \line\tab \up0 \expndtw-1\charscalex100 market. In particula
r, cover is generally (but not always) provided where the underlying cause \line
\tab \up0 \expndtw0\charscalex100 of the loss is an insured event. That is, some
insurers cover tsunami where it is caused by an \line\tab \up0 \expndtw0\charsc
alex103 earthquake and storm surge where it is caused by a cyclone. Cover for ts
unami is generally \line\tab \up0 \expndtw-3\charscalex100 more widely available
than for storm surge. \par\pard\qj \li1418\ri1224\sb240\sl-260\slmult0\tx1985 \
up0 \expndtw-2\charscalex100 10.13.Some of the likely reasons for the lack of un
iform cover for these events by insurers are similar \line\tab \up0 \expndtw-2\c
harscalex100 to those for flood insurance, for example: \par\pard\li1985\sb0\sl253\slmult0\par\pard\li1985\sb6\sl-253\slmult0\fi0\tx2551 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf4\f5\fs22 insurers may not have access to adequate data for ri
sk assessment and pricing;\par\pard\li1985\sb249\sl-253\slmult0\fi0\tx2551 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 these perils only affect a limited
part of the insurance market, limited the spreading of\par\pard\li1985\sb6\sl-25
3\slmult0\fi566 \up0 \expndtw-2\charscalex100 individual insurers;\par\pard\li19
85\sb246\sl-253\slmult0\fi0\tx2551 \up0 \expndtw-2\charscalex100 \ul0\nosupersub
\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\
fs22 suitable reinsurance capacity may not be available to all insurers; and\par
\pard\li1985\sb249\sl-253\slmult0\fi0\tx2551 \up0 \expndtw-2\charscalex100 \ul0\
nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf4\f5\fs22 Increasing insurer exposure and accumulations due to increased po
pulation density in\par\pard\ql \li2551\sb1\sl-243\slmult0 \up0 \expndtw-3\chars
calex100 coastal areas. \par\pard\ql \li1418\ri1219\sb243\sl-260\slmult0\tx1985\
tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex100 10.14.However, given that a nu
mber of insurers currently cover tsunami and storm surge, in limited \line\tab \
up0 \expndtw-1\charscalex100 circumstances, it is arguable that the above issues
are not insurmountable. They undoubtedly \line\tab \up0 \expndtw-1\charscalex10

0 warrant technical investigation but the Review Panel understands that reinsura
nce capacity is \line\tab \up0 \expndtw0\charscalex100 generally available for t
hese perils and that the additional premium associated with cover for \line\tab
\up0 \expndtw-3\charscalex100 tsunami and storm surge would generally be minimal
. \par\pard\ql \li1418\ri1231\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985 \
up0 \expndtw0\charscalex104 10.15.The primary benefit of including cover for tsu
nami and storm surge in all home insurance \line\tab \up0 \expndtw0\charscalex10
0 policies is clear: it would eliminate potential disputes and misunderstandings
over the causes \line\tab \up0 \expndtw0\charscalex106 of water damage, giving
increased certainty for homeowners in terms of cover. It would \line\tab \up0 \e
xpndtw-2\charscalex100 therefore lead to increased resilience and ability to rec
over by communities in the case of such \line\tab \up0 \expndtw-3\charscalex100
an event. \par\pard\ql \li1418\ri1226\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\
tx1985\tx1985 \up0 \expndtw-1\charscalex100 10.16.Therefore, given that it appea
rs that the insurance industry is capable of providing cover for a \line\tab \up
0 \expndtw0\charscalex100 seemingly modest additional premium, and given the add
itional benefits to homeowners of \line\tab \up0 \expndtw0\charscalex103 having
cover, the Review Panel considers that all home, contents and home unit insuranc
e \line\tab \up0 \expndtw-2\charscalex100 policies should cover policyholders fo
r tsunami and storm surge, where the underlying cause is \line\tab \up0 \expndtw
-1\charscalex100 an insured event and regardless of whether the insured property
directly suffers damage from \line\tab \up0 \expndtw-2\charscalex100 the underl
ying insured event. \par\pard\ql \li1418\ri1217\sb240\sl-260\slmult0\tx1985\tx19
85 \up0 \expndtw0\charscalex104 10.17.This latter qualification relates particul
arly to storm surge associated with cyclones. Some \line\tab \up0 \expndtw0\char
scalex100 insurers exclude storm surge if the cyclone does not cross the coastli
ne. The Review Panel is \line\tab \up0 \expndtw-2\charscalex100 recommending aga
inst the continuation by insurers of this kind of exclusion. \par\pard\ql \li141
8\ri1216\sb240\sl-260\slmult0\tx1985\tx1985 \up0 \expndtw0\charscalex100 10.18.T
he Review Panel expects that the private insurance market would not require any
additional \line\tab \up0 \expndtw0\charscalex104 support in order to provide th
is cover and therefore is not proposing that the reinsurance \line\tab \up0 \exp
ndtw-3\charscalex100 facility provide reinsurance for tsunami or storm surge ris
k. \par\pard\ql \li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult
0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0
\par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \p
ar\pard\ql\li5855\sb202\sl-207\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupe
rsub\cf6\f7\fs18 81 \par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\s
l-240{\bkmkstart Pg87}{\bkmkend Pg87}\par\pard\ql \li7739\sb0\sl-207\slmult0 \pa
r\pard\ql\li7739\sb0\sl-207\slmult0 \par\pard\ql\li7739\sb14\sl-207\slmult0 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 10: Other Natural
Disasters \par\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253
\slmult0 \par\pard\ql\li1418\sb69\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \
ul0\nosupersub\cf9\f10\fs28 O\ul0\nosupersub\cf10\f11\fs22 THER COASTAL INUNDATI
ON \par\pard\ql \li1418\ri1224\sb242\sl-260\slmult0\tx1985\tx1985\tx1985 \up0 \e
xpndtw0\charscalex102 \ul0\nosupersub\cf4\f5\fs22 10.19.Other coastal inundation
relates to events such as king tides and rising sea levels. Cover for \line\tab
\up0 \expndtw0\charscalex100 these types of events is generally not available i
n the current market. They are different from \line\tab \up0 \expndtw0\charscale
x105 other weather events such as floods and cyclones because they appear more l
ikely to be \line\tab \up0 \expndtw-3\charscalex100 associated with possible cli
mate change. \par\pard\qj \li1418\ri1225\sb240\sl-260\slmult0\tx1985 \up0 \expnd
tw0\charscalex102 10.20.In any event, the Review Panel is not proposing that any
changes be made by the insurance \line\tab \up0 \expndtw-3\charscalex100 indust
ry at this time in relation to coastal inundation. \par\pard\ql \li1418\sb0\sl-2
64\slmult0 \par\pard\ql\li1418\sb0\sl-264\slmult0 \par\pard\ql\li1418\sb9\sl-264
\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf9\f10\fs28 L\ul0\nosupe
rsub\cf10\f11\fs22 ANDSLIDE \par\pard\ql \li1418\ri1209\sb260\sl-260\slmult0\tx1
985\tx1985 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 10.21.\ul0\
nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Landslides are not very co

mmon in Australia and are typically not very costly in comparison to \line\tab \
up0 \expndtw0\charscalex103 other natural disasters. They are often, but not alw
ays, related to other events that would \line\tab \up0 \expndtw-2\charscalex100
normally be covered in a home insurance policy such as heavy rainfall or an eart
hquake. \par\pard\ql \li1418\ri1240\sb240\sl-260\slmult0\tx1985\tx1985 \up0 \exp
ndtw0\charscalex100 10.22.Cover for landslides in the current market is similar
to cover for tsunamis and storm surge in \line\tab \up0 \expndtw-1\charscalex100
that cover is sometimes, but not always, provided where the landslide is a resu
lt of an insured \line\tab \up0 \expndtw-3\charscalex100 event. \par\pard\ql \li
1418\ri1229\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\char
scalex100 10.23.Given that landslides have not resulted in significant economic
loss very often in the past, the \line\tab \up0 \expndtw-1\charscalex100 lack of
consistent cover for landslide has not led to a many claims or many disputes. H
owever, \line\tab \up0 \expndtw0\charscalex102 there remains the possibility tha
t a large landslide in a heavily populated area could lead to \line\tab \up0 \ex
pndtw-1\charscalex100 confusion and disputes around insurance coverage, similar
to that witnessed in the aftermath \line\tab \up0 \expndtw-3\charscalex100 of th
e January floods. \par\pard\qj \li1418\ri1224\sb240\sl-260\slmult0\tx1985 \up0 \
expndtw0\charscalex108 10.24.Also, the relative infrequency and randomness of la
ndslides means that the additional \line\tab \up0 \expndtw-3\charscalex100 premi
um required to cover landslide should be modest. \par\pard\ql \li1418\ri1230\sb2
40\sl-260\slmult0\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex102 10.25.The Re
view Panel therefore recommends that all home, contents and home unit insurance
\line\tab \up0 \expndtw-1\charscalex100 policies cover the policyholder for land
slide where the landslide is a result of an insured event, \line\tab \up0 \expnd
tw0\charscalex103 such as heavy rainfall, and regardless of whether that event d
irectly causes damage to the \line\tab \up0 \expndtw-3\charscalex100 insured pro
perty. \par\pard\ql \li1418\ri1222\sb240\sl-260\slmult0\tx1985\tx1985 \up0 \expn
dtw0\charscalex100 10.26.The Review Panel expects the private insurance market n
ot to require any additional support \line\tab \up0 \expndtw0\charscalex105 in o
rder to provide this cover and therefore is not proposing that the reinsurance f
acility \line\tab \up0 \expndtw-3\charscalex100 provide reinsurance for landslid
e risk. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb113\sl-253
\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf44\f45\fs22 Recommendat
ion 28: \par\pard\qj \li1526\ri1332\sb242\sl-260\slmult0 \up0 \expndtw0\charscal
ex100 \ul0\nosupersub\cf4\f5\fs22 That all home, contents and home unit insuranc
e policies cover the policyholder for storm surge, \up0 \expndtw0\charscalex100
tsunami and landslide, where the storm surge, tsunami or landslide is the result
of another event \up0 \expndtw0\charscalex102 that is covered under the policy
and regardless of whether the insured property directly suffers \up0 \expndtw-3\
charscalex100 damage from the underlying insured event. \par\pard\ql \li1560\sb2
46\sl-253\slmult0\tx2126 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\
fs22 \u8226? \tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 This
includes storm surge associated with a cyclone that does not cross the coastlin
e. \par\pard\ql \li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult
0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0
\par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \p
ar\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par
\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\p
ard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb8\sl-207\slmult0 \up0 \ex
pndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs18 82
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g88}{\bkmkend Pg88}\par\pard\ql \li1418\sb0\sl-414\slmult0 \par\pard\ql\li1418\s
b0\sl-414\slmult0 \par\pard\ql\li1418\sb0\sl-414\slmult0 \par\pard\ql\li1418\sb2
75\sl-414\slmult0 \up0 \expndtw0\charscalex97 \ul0\nosupersub\cf23\f24\fs36 Chap
ter 11.\ul0\nosupersub\cf24\f25\fs36 \ul0\nosupersub\cf23\f24\fs36 Addressing
non-insurance \par\pard\ql \li1418\sb0\sl-264\slmult0 \par\pard\ql\li1418\sb0\s
l-264\slmult0 \par\pard\ql\li1418\sb0\sl-264\slmult0 \par\pard\ql\li1418\sb58\sl
-264\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf9\f10\fs28 E\ul0\no
supersub\cf10\f11\fs22 XTENT OF NON\ul0\nosupersub\cf9\f10\fs28 -\ul0\nosupersub
\cf10\f11\fs22 INSURANCE \par\pard\ql \li1418\ri1228\sb260\sl-260\slmult0\tx1985
\tx1985 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 11.1.\ul0\nosu
persub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Data on non-insurance is limit
ed but suggest the rate of non-insurance of homes in Australia is \line\tab \up0
\expndtw0\charscalex100 relatively low. Tooth and Barker estimated the proporti
on of owner-occupied homes with no \line\tab \up0 \expndtw-3\charscalex100 insur
ance at 4 per cent.\ul0\super\cf26\f27\fs20 53 \par\pard\ql \li1418\sb246\sl-253
\slmult0 \up0 \expndtw0\charscalex103 \ul0\nosupersub\cf4\f5\fs22 11.2.\ul0\nosu
persub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Existing rates of non-insuranc
e for contents are higher than for homes. It is estimated that \par\pard\qj \li1
985\ri1208\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex107 28 per cent of househ
olds in Australia had no contents insurance (12 per cent of owner \line \up0 \ex
pndtw0\charscalex100 occupiers, 67 per cent of tenants).\ul0\super\cf26\f27\fs20
54\ul0\nosupersub\cf4\f5\fs22 A 2011 study by the Brotherhood of St Laurence f
ound, \line \up0 \expndtw-2\charscalex100 similarly, that 32 per cent of low inc
ome Australians do not hold home contents insurance.\ul0\super\cf26\f27\fs20 55
\par\pard\ql \li1418\sb246\sl-253\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf4\f5\fs22 11.3.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\f
s22 These rates of non-insurance appear broadly consistent with those of compara
ble countries. \par\pard\ql \li1985\sb247\sl-253\slmult0\tx2551 \up0 \expndtw-3\
charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226? \tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf4\f5\fs22 In the United States, a 2006 Insurance Resear
ch Council poll found that 96 per cent of \par\pard\qj \li2551\ri1226\sb2\sl-260
\slmult0 \up0 \expndtw0\charscalex103 home owners had home insurance but that on
ly 43 per cent of renters had renters \up0 \expndtw-3\charscalex100 insurance, w

hich covers possessions.\ul0\super\cf26\f27\fs20 56 \par\pard\ql \li1985\sb246\s

l-253\slmult0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22
\u8226? \tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 The Insu
rance Council of New Zealand noted in 2008 that around 10 per cent of homes \par
\pard\qj \li2551\ri1224\sb2\sl-260\slmult0 \up0 \expndtw-2\charscalex100 in that
country were not insured and that 10 per cent to 20 per cent of New Zealanders
\up0 \expndtw-3\charscalex100 do not have home contents insurance.\ul0\super\cf2
6\f27\fs20 57 \par\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl
-253\slmult0 \par\pard\ql\li1418\sb40\sl-253\slmult0 \up0 \expndtw-3\charscalex1
00 \ul0\nosupersub\cf9\f10\fs28 C\ul0\nosupersub\cf10\f11\fs22 ONTRIBUTORS TO NO
N\ul0\nosupersub\cf9\f10\fs28 -\ul0\nosupersub\cf10\f11\fs22 INSURANCE \par\pard
\ql \li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb70\sl-299\slmult0 \up0 \exp
ndtw-5\charscalex100 \ul0\nosupersub\cf18\f19\fs26 Government and other natural
disaster aid and assistance to households \par\pard\ql \li1418\ri1221\sb254\sl-2
60\slmult0\tx1985\tx1985\tx1985 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf
4\f5\fs22 11.4.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Charit
ies and governments in Australia provide significant amounts of assistance to ho
useholds \line\tab \up0 \expndtw-3\charscalex100 and communities who have been a
dversely affected by natural disasters. While this assistance \line\tab \up0 \ex
pndtw-2\charscalex100 provides much needed relief necessary in reconstruction an
d recovery, its provision presents \line\tab \up0 \expndtw-3\charscalex100 some
issues of moral hazard, equity and efficiency. \par\pard\qj \li1418\ri1236\sb240
\sl-260\slmult0\tx1985 \up0 \expndtw0\charscalex102 11.5.\ul0\nosupersub\cf11\f1
2\fs22 \ul0\nosupersub\cf4\f5\fs22 The Queensland Premier\u8217?s Relief Fund r
eceived $273 million in donations.\ul0\super\cf26\f27\fs20 58\ul0\nosupersub\cf4
\f5\fs22 Payments have \line\tab \up0 \expndtw-1\charscalex100 been made in thr
ee rounds. In the first round, any adult whose home was affected by flood or \pa
r\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb189\sl-207\slmult0\fi0\tx1985
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 53\tab \up0 \expndt
w-1\charscalex100 Dr Richard Tooth and Dr George Barker, \u8216?The Non-Insured:
Who, Why and Trends\u8217?, Centre of Law and Economics,\par\pard\li1418\sb52\s
l-207\slmult0\fi566 \up0 \expndtw-2\charscalex100 for the Insurance Council of A
ustralia, May 2007, p 12.\par\pard\li1418\sb52\sl-207\slmult0\fi566 \up0 \expndt
w-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.insurancecouncil.com
.au/portals/24/issues/the%20non%20insured%20-%20report.pdf/" }}{\fldrslt {\ul0\n
osupersub\cf27\f28\fs18 http://www.insurancecouncil.com.au/Portals/24/Issues/The
%20Non%20Insured%20-%20Report.pdf}}}\par\pard\li1418\sb55\sl-207\slmult0\fi0\tx1
985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 54\tab \up0 \exp
ndtw-2\charscalex100 Ibid, p 12.\par\pard\li1418\sb53\sl-207\slmult0\fi0\tx1985
\up0 \expndtw-2\charscalex100 55\tab \up0 \expndtw-1\charscalex100 Dominic Colli
ns, Brotherhood of St Laurence, \u8216?Reducing the risks\u8217?, 2011, p v.\par
\pard\ql \li1418\ri4133\sb0\sl-260\slmult0\fi566\tx1985 \up0 \expndtw-1\charscal
ex100 {\field{\*\fldinst {HYPERLINK "http://www.bsl.org.au/pdfs/collins_reducing
_the_risks_insurance_2011.pdf/" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http:
//www.bsl.org.au/pdfs/Collins_Reducing_the_risks_insurance_2011.pdf}}} \line \up
0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 56 \up0 \expndtw-2\char
scalex100 Quoted by the Insurance Information Institute, \u8216?Homeowners Insur
ance\u8217?. \line \tab \up0 \expndtw-2\charscalex100 {\field{\*\fldinst {HYPERL
INK "http://www.iii.org/facts_statistics/homeowners-insurance.html" }}{\fldrslt
{\ul0\nosupersub\cf27\f28\fs18 http://www.iii.org/facts_statistics/homeowners-in
surance.html}}} \par\pard\ql \li1418\sb42\sl-207\slmult0\tx1985 \up0 \expndtw-2\
charscalex100 \ul0\nosupersub\cf27\f28\fs18 57 \tab \up0 \expndtw-1\charscalex10
0 Terry Jordan, Insurance Council of New Zealand, quoted in \u8216?Kiwis see nee
d for insurance too late\u8217?, The Dominion \par\pard\ql \li1418\ri2018\sb10\s
l-260\slmult0\fi566\tx1985 \up0 \expndtw-1\charscalex100 Post, 17 June 2008. {\f
ield{\*\fldinst {HYPERLINK "http://www.stuff.co.nz/business/492518/kiwis-see-nee
d-for-insurance-too-late/" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://www
.stuff.co.nz/business/492518/Kiwis-see-need-for-insurance-too-late}}} \line \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 58 \up0 \expndtw-1\chars
calex100 As at 1 September 2011, Media Release issued by the Honourable Anna Bli

gh, Premier and Minister for \line\tab \up0 \expndtw-1\charscalex100 Reconstruct

ion of Queensland, \u8216?Premier thanks Australia as she announces Disaster Rel
ief Fund Wrap Up\u8217?, \par\pard\ql \li1985\sb44\sl-207\slmult0 \up0 \expndtw1\charscalex100 1 September 2011. {\field{\*\fldinst {HYPERLINK "http://www.cabi
net.qld.gov.au/mms/statementdisplaysingle.aspx?id=76351/" }}{\fldrslt {\ul0\nosu
persub\cf27\f28\fs18 http://www.cabinet.qld.gov.au/MMS/StatementDisplaySingle.as
px?id=76351}}} \par\pard\ql \li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\s
l-207\slmult0 \par\pard\ql\li5855\sb99\sl-207\slmult0 \up0 \expndtw-3\charscalex
100 \ul0\nosupersub\cf6\f7\fs18 83
{\shp {\*\shpinst\shpleft1418\shptop11906\shpright4299\shpbottom11926\shpfhdr0\s
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g89}{\bkmkend Pg89}\par\pard\ql \li7530\sb0\sl-207\slmult0 \par\pard\ql\li7530\s
b0\sl-207\slmult0 \par\pard\ql\li7530\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 11: Addressing non-insurance \par\pa
rd\qj \li1985\sb0\sl-260\slmult0 \par\pard\qj\li1985\ri1209\sb230\sl-260\slmult0
\up0 \expndtw0\charscalex102 \ul0\nosupersub\cf4\f5\fs22 Cyclone Yasi was entit
led to be paid $2,000. In the second round, people whose homes had \line \up0 \e
xpndtw0\charscalex102 been totally destroyed or needed to be demolished and who
had household income of less \line \up0 \expndtw0\charscalex100 than $150,000 we
re entitled to be paid up to $280,000. In round three, people whose homes \line
\up0 \expndtw0\charscalex103 had suffered structural damage were entitled to be
paid up to $80,000. Payments of up to \line \up0 \expndtw0\charscalex108 $30,000
for damaged or destroyed contents have also been made. Under Round 2 and \line
\up0 \expndtw0\charscalex100 Round 3, any insurance payments, ex gratia payments
and any assistance provided under the \line \up0 \expndtw0\charscalex100 Common
wealth Government NDRRA Community Recovery Structural Assistance Grants were \li
ne \up0 \expndtw-2\charscalex100 deducted when determining the amount of assista
nce provided from the Relief Fund.\ul0\super\cf26\f27\fs20 59 \par\pard\ql \li14
18\sb246\sl-253\slmult0\tx1985 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4
\f5\fs22 11.6. \tab \up0 \expndtw0\charscalex102 The 2009 Victorian Bushfire App
eal raised $395 million. Where homes had been destroyed, \par\pard\qj \li1985\ri
1219\sb2\sl-260\slmult0 \up0 \expndtw-2\charscalex100 payments of $35,000 were m
ade to assist with rehousing, with an additional $40,000 payment \up0 \expndtw-2
\charscalex100 available based on need. Where homes had been damaged, payments o
f $15,000 and up to an \up0 \expndtw0\charscalex106 additional $20,000 based on
need were made available. $15,000 was made available for \up0 \expndtw0\charscal
ex103 contents replacement, with an additional $20,000 also available based on n
eed. Insurance \up0 \expndtw-3\charscalex100 payments did not affect eligibility
for these payments.\ul0\super\cf26\f27\fs20 60 \par\pard\ql \li1418\sb246\sl-25
3\slmult0\tx1985 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 11.7.
\tab \up0 \expndtw0\charscalex103 The Australian Government Disaster Recove
ry Payment provides short term financial \par\pard\qj \li1985\ri1208\sb2\sl
-260\slmult0 \up0 \expndtw0\charscalex106 assistance to individuals affected by
major or widespread disasters. A non means tested \line \up0 \expndtw0\charscale
x102 payment of $1,000 for adults is available. As of the beginning of September
2011, a total of \line \up0 \expndtw-2\charscalex100 $466 million had been paid
under the scheme to those affected by the Queensland floods.\ul0\super\cf26\f27
\fs20 61 \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985 \up0 \expndtw-3\charsc
alex100 \ul0\nosupersub\cf4\f5\fs22 11.8. \tab \up0 \expndtw0\charscalex102 Stat
e government payments such as the Queensland Personal Hardship Assistance Scheme

\par\pard\qj \li1985\ri1216\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex103 and

the Victorian temporary living expense grant and reestablishment grant also pro
vided \up0 \expndtw-3\charscalex100 assistance in the order of up to several tho
usand dollars. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985 \up0 \expndtw-3\
charscalex100 11.9. \tab \up0 \expndtw0\charscalex108 Charitable and government
assistance following natural disasters can also be seen as a \par\pard\qj \li198
5\ri1208\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex100 premium-free insurance
against natural disasters. If a catastrophe occurs, individuals without \line \u
p0 \expndtw0\charscalex100 insurance are the beneficiaries of the financial supp
ort they can obtain without having to pay \line \up0 \expndtw0\charscalex100 pre
miums.\ul0\super\cf26\f27\fs20 62\ul0\nosupersub\cf4\f5\fs22 Providing assistan
ce after a natural disaster also reduces individual incentives to \line \up0 \ex
pndtw0\charscalex100 manage risk before the next natural disaster. If households
expect to receive relief payments \line \up0 \expndtw0\charscalex100 after a lo
ss, they have less economic incentive to invest in mitigation measures or insura
nce \line \up0 \expndtw-2\charscalex100 before the next event. This may increase
the uninsured losses experienced in the next disaster. \par\pard\ql \li1418\sb0
\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\s
l-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb56\sl
-207\slmult0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18
59 \tab \up0 \expndtw-1\charscalex100 Queensland Reconstruction Authority, Month
ly Report, July 2011, Dashboard 3, \par\pard\qj \li1985\ri1341\sb10\sl-260\slmul
t0 \up0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.qldre
construction.org.au/reports/july-2011-monthly-report" }}{\fldrslt {\ul0\nosupers
ub\cf27\f28\fs18 http://www.qldreconstruction.org.au/reports/july-2011-monthly-r
eport;}}}\ul0\nosupersub\cf27\f28\fs18 Queensland Government, \u8216?Applicatio
n for \line \up0 \expndtw-2\charscalex100 Assistance Structural Damage Assistanc
e - Destroyed Home\u8217?. \par\pard\qj \li1985\ri3429\sb0\sl-260\slmult0 \up0 \
expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.communityservi
ces.qld.gov.au/community/community-recovery/support-/" }}{\fldrslt {\ul0\nosuper
sub\cf27\f28\fs18 http://www.communityservices.qld.gov.au/community/community-re
covery/support-}}}\line \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\f
s18 assistance/documents/structural-damage-assistance.pdf \par\pard\ql \li1985\r
i1469\sb0\sl-260\slmult0 \up0 \expndtw-1\charscalex100 Queensland Government, \u
8216?Premier\u8217?s Disaster Relief Appeal Fund - Round 2 Frequently asked ques
tions Structural \line \up0 \expndtw-1\charscalex100 Damage Assistance - Destroy
ed Homes\u8217?. {\field{\*\fldinst {HYPERLINK "http://www.communityservices.qld
.gov.au/community/community-/" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http:/
/www.communityservices.qld.gov.au/community/community-}}}\line \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf27\f28\fs18 recovery/support-assistance/documents
/structural-damage-assistance-faq.pdf \par\pard\qj \li1985\ri1731\sb0\sl-260\slm
ult0 \up0 \expndtw-1\charscalex100 Media Release issued by, the Honourable Anna
Bligh, Premier and Minister for Reconstruction of Queensland, \up0 \expndtw-1\ch
arscalex100 \u8216?Round Three of Premier\u8217?s Disaster Relief Fund offers up
to $80,000\u8217?, 7 April 2011. \par\pard\ql \li1985\sb44\sl-207\slmult0 \up0
\expndtw-2\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.cabinet.qld.g
ov.au/mms/statementdisplaysingle.aspx?id=74304/" }}{\fldrslt {\ul0\nosupersub\cf
27\f28\fs18 http://www.cabinet.qld.gov.au/mms/StatementDisplaySingle.aspx?id=743
04}}} \par\pard\ql \li1418\sb53\sl-207\slmult0\tx1985 \up0 \expndtw-2\charscalex
100 \ul0\nosupersub\cf27\f28\fs18 60 \tab \up0 \expndtw-1\charscalex100 State Go
vernment of Victoria, Department of Human Services, \u8216?Victorian Bushfire Ap
peal Fund\u8217?. \par\pard\ql \li1985\sb53\sl-207\slmult0 \up0 \expndtw-2\chars
calex100 {\field{\*\fldinst {HYPERLINK "http://www.dhs.vic.gov.au/bushfireappeal
/" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://www.dhs.vic.gov.au/bushfire
appeal}}} \par\pard\li1418\sb65\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf27\f28\fs18 61\tab \up0 \expndtw-1\charscalex100 Attor
ney-General\u8217?s Department, Disaster Assist, \u8216?Queensland Floods (Novem
ber 2010 - February 2011)\u8217?.\par\pard\li1418\sb52\sl-207\slmult0\fi566 \up0
\expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.disasterassi
st.gov.au/www/disasterassist/disasterassist.nsf/page/currentdisasters_queensland

floodin/" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://www.disasterassist.g

ov.au/www/disasterassist/disasterassist.nsf/Page/Currentdisasters_QueenslandFloo
din}}}\par\pard\li1418\sb55\sl-207\slmult0\fi566 \up0 \expndtw-2\charscalex100 \
ul0\nosupersub\cf27\f28\fs18 gDecember2010\par\pard\ql \li1418\sb40\sl-207\slmul
t0\tx1985 \up0 \expndtw-2\charscalex100 62 \tab \up0 \expndtw-1\charscalex100 Pa
ul A. Raschky, Reimund Schwarze, Manijeh Schwindt and Ferdinand Zahn, \u8216?Unc
ertainty of Governmental Relief \par\pard\qj \li1985\ri1664\sb10\sl-260\slmult0
\up0 \expndtw-1\charscalex100 and the Crowding out of Insurance\u8217?, Working
Papers 2010-03, Faculty of Economics and Statistics, University of \line \up0 \e
xpndtw-1\charscalex100 Innsbruck, 2010, pp 3-6. {\field{\*\fldinst {HYPERLINK "h
ttp://ideas.repec.org/p/inn/wpaper/2010-03.html" }}{\fldrslt {\ul0\nosupersub\cf
27\f28\fs18 http://ideas.repec.org/p/inn/wpaper/2010-03.html}}} \par\pard\ql \li
5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li58
55\sb90\sl-207\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs18
84
{\shp {\*\shpinst\shpleft1418\shptop10346\shpright4299\shpbottom10366\shpfhdr0\s
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g90}{\bkmkend Pg90}\par\pard\ql \li7530\sb0\sl-207\slmult0 \par\pard\ql\li7530\s
b0\sl-207\slmult0 \par\pard\ql\li7530\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 11: Addressing non-insurance \par\pa
rd\ql \li1418\sb0\sl-260\slmult0 \par\pard\ql\li1418\ri1214\sb230\sl-260\slmult0
\tx1985\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw-2\charscalex100 \ul0\no
supersub\cf4\f5\fs22 11.10.Charitable and government payments are often reduced
according to the amount of insurance \line\tab \up0 \expndtw-1\charscalex100 pay
ments. There are several natural disaster relief programs for individuals, famil
ies and small \line\tab \up0 \expndtw0\charscalex105 businesses administered by
the States and partially reimbursable by the Commonwealth \line\tab \up0 \expndt
w0\charscalex107 through the NDRRA which are all reduced in the presence of insu
rance.\ul0\super\cf26\f27\fs20 63\ul0\nosupersub\cf4\f5\fs22 Larger natural \li
ne\tab \up0 \expndtw0\charscalex102 disaster events in the recent past have seen
temporary charitable funds being set up.\ul0\super\cf26\f27\fs20 64\ul0\nosuper
sub\cf4\f5\fs22 The \line\tab \up0 \expndtw0\charscalex102 Review Panel is only
aware of one instance (the Victorian Bushfire Appeal) where payments \line\tab
\up0 \expndtw-3\charscalex100 were not reduced at all for disaster victims that
were uninsured. \par\pard\ql \li1418\ri1233\sb240\sl-260\slmult0\tx1985\tx1985\t
x1985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex100 11.11.Reducing charity a
nd government payments to disaster victims according to their insurance \line\ta
b \up0 \expndtw0\charscalex100 payouts can be seen as penalising those who insur
e and creating or exacerbating problems of \line\tab \up0 \expndtw0\charscalex10
4 \u8216?charity hazard\u8217?. Nevertheless, the purpose of government and char
itable relief is to assist \line\tab \up0 \expndtw0\charscalex100 households to
recover financially from natural disasters. Not taking insurance payments into \
line\tab \up0 \expndtw-1\charscalex100 account might result in those in less nee
d receiving as much as those in greater need and may \line\tab \up0 \expndtw-1\c
harscalex100 result in those affected by natural disasters profiting financially
; that is, receiving payments in \line\tab \up0 \expndtw-3\charscalex100 excess
of losses. \par\pard\ql \li1418\ri1216\sb240\sl-260\slmult0\tx1985\tx1985 \up0 \
expndtw0\charscalex103 11.12.To balance these two needs, the Review Panel recomm
ends that the principle that should \line\tab \up0 \expndtw0\charscalex108 guide
charitable and government payments is that they should not replace or displace

\line\tab \up0 \expndtw-3\charscalex100 insurance. That is, payments should not

penalise those who insure. \par\pard\ql \li1418\ri1230\sb240\sl-260\slmult0\tx19
85\tx1985\tx1985 \up0 \expndtw0\charscalex100 11.13.Accordingly, while the prese
nce of insurance should be taken into account in determining the \line\tab \up0
\expndtw0\charscalex102 extent of any payments, it should not be the single dete
rmining factor. It should instead be \line\tab \up0 \expndtw0\charscalex104 cons
idered alongside other indicators of the need for assistance such as assets, lia
bilities, \line\tab \up0 \expndtw-3\charscalex100 income and damages. \par\pard\
ql \li1418\ri1217\sb240\sl-260\slmult0\tx1985\tx1985 \up0 \expndtw-2\charscalex1
00 11.14.This approach could also assist to overcome the issue of delayed paymen
ts. For example, there \line\tab \up0 \expndtw0\charscalex102 were delays in dis
bursing funds from the Queensland Premier\u8217?s Disaster Relief Fund due to \l
ine\tab \up0 \expndtw-3\charscalex100 delays in insurance claims being assessed
or finally determined.\ul0\super\cf26\f27\fs20 65 \par\pard\ql \li1418\ri1222\sb
240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985\tx1985\tx1985\tx1985\tx1985 \up0
\expndtw0\charscalex102 \ul0\nosupersub\cf4\f5\fs22 11.15.To implement this prop
osed coordinated approach between insurance claim payments and \line\tab \up0 \e
xpndtw0\charscalex100 other sources of funds that provide relief and support aft
er natural disasters would require a \line\tab \up0 \expndtw-1\charscalex100 lev
el of financial coordination that has not occurred in the past. It would require
the insurance \line\tab \up0 \expndtw-1\charscalex100 industry to become a part
y to Commonwealth and State payment arrangements commencing \line\tab \up0 \expn
dtw0\charscalex107 immediately after the disaster. The Review Panel there
fore recommends that the \line\tab \up0 \expndtw0\charscalex100 Commonwealth
engage with the insurance industry and the States in planning for the future \li
ne\tab \up0 \expndtw0\charscalex103 coordination of charitable and government pa
yments to individuals to assist with recovery \line\tab \up0 \expndtw0\charscale
x104 from a natural disaster and to do so in a way that does not discourage home
owners from \line\tab \up0 \expndtw-3\charscalex100 holding home and home conten
ts insurance. \par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb188\sl-207\s
lmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 63
\tab \up0 \expndtw-1\charscalex100 For example, the Queensland Government Person
al Hardship Assistance Scheme, the Victorian Government\par\pard\li1418\sb52\sl207\slmult0\fi566 \up0 \expndtw-1\charscalex100 Temporary Living Expenses Grant
and the Victorian Government Re-establishment Grant.\par\pard\li1418\sb55\sl-207
\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 64\tab \up0 \expndtw-1\charsca
lex100 For example, the Queensland Premier\u8217?s Disaster Relief Appeal and th
e Victorian Bushfire Appeal.\par\pard\li1418\sb52\sl-207\slmult0\fi0\tx1985 \up0
\expndtw-2\charscalex100 65\tab \up0 \expndtw-1\charscalex100 On 2 August 2011
RACQ Insurance announced that it would pay the claims of customers in the Ipswic
h region who\par\pard\ql \li1985\ri1291\sb0\sl-260\slmult0 \up0 \expndtw-1\chars
calex100 initially had been declined flash flood and stormwater run-off payouts
after the January 2011 floods. This followed \line \up0 \expndtw-1\charscalex100
the receipt by RACQ of new hydrological information. Under the arrangements gov
erning assistance payments from \line \up0 \expndtw-1\charscalex100 the Queensla
nd Premier\u8217?s Fund, RACQ customers may have had to repay any charitable fun
ds received. However, \line \up0 \expndtw-1\charscalex100 the Queensland Premier
subsequently announced that people who received an insurance payout after havin
g \line \up0 \expndtw-1\charscalex100 received assistance from the Premier\u8217
?s Fund would not have to repay the assistance. \line \up0 \expndtw-1\charscalex
100 (Sources: Media Release issued by RACQ Insurance, \u8216?RACQ Insurance anno
unces claims re-assessment\u8217?, 2 August \line \up0 \expndtw-1\charscalex100
2011. {\field{\*\fldinst {HYPERLINK "http://www.racq.com.au/about_us/news_and_me
dia/stories/racq_insurance_announces_claims_re-assessment" }}{\fldrslt {\ul0\nos
upersub\cf27\f28\fs18 http://www.racq.com.au/about_us/news_and_media/stories/rac
q_insurance_announces_claims_re-}}}\line \up0 \expndtw-2\charscalex100 {\field{\
*\fldinst {HYPERLINK "http://www.racq.com.au/about_us/news_and_media/stories/rac
q_insurance_announces_claims_re-assessment" }}{\fldrslt {\ul0\nosupersub\cf27\f2
8\fs18 assessment}}} \par\pard\qj \li1985\ri1732\sb0\sl-260\slmult0 \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf27\f28\fs18 Media Release issued by, the Hon

ourable Anna Bligh, Premier and Minister for Reconstruction of Queensland, \up0
\expndtw-2\charscalex100 \u8216?Premier Pledge on Appeal Fund Recipients\u8217?,
4 August 2011. \par\pard\ql \li1985\sb43\sl-207\slmult0 \up0 \expndtw-1\charsca
lex100 {\field{\*\fldinst {HYPERLINK "http://www.cabinet.qld.gov.au/mms/statemen
tdisplaysingle.aspx?id=75944/" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http:/
/www.cabinet.qld.gov.au/MMS/StatementDisplaySingle.aspx?id=75944}}}\ul0\nosupers
ub\cf27\f28\fs18 ) \par\pard\ql \li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\s
b0\sl-207\slmult0 \par\pard\ql\li5855\sb99\sl-207\slmult0 \up0 \expndtw-3\charsc
alex100 \ul0\nosupersub\cf6\f7\fs18 85
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g91}{\bkmkend Pg91}\par\pard\ql \li7530\sb0\sl-207\slmult0 \par\pard\ql\li7530\s
b0\sl-207\slmult0 \par\pard\ql\li7530\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 11: Addressing non-insurance \par\pa
rd\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\par
d\ql\li1526\sb129\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\c
f16\f17\fs22 Recommendation 29: \par\pard\qj \li1526\ri1327\sb242\sl-260\slmult0
\up0 \expndtw0\charscalex104 \ul0\nosupersub\cf4\f5\fs22 That the Commonwealth
engage with the insurance industry and the States and Territories in \up0 \expnd
tw0\charscalex104 planning for the future coordination of charitable and governm
ent payments to individuals to \up0 \expndtw-3\charscalex100 assist with recover
y after future natural disasters. \par\pard\ql \li1418\sb0\sl-299\slmult0 \par\p
ard\ql\li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb150\sl-299\slmult0 \up0 \
expndtw-3\charscalex100 \ul0\nosupersub\cf18\f19\fs26 Insurance take-up by those
on low incomes \par\pard\qj \li1418\ri1222\sb234\sl-260\slmult0\tx1985 \up0 \ex
pndtw0\charscalex103 \ul0\nosupersub\cf4\f5\fs22 11.16.The affordability of i
nsurance has two dimensions: the size of the premium and the \line\tab
\up0 \expndtw-3\charscalex100 policyholder\u8217?s ability to fund the premium,
or \u8216?cash flow\u8217?. \par\pard\ql \li1418\ri1234\sb240\sl-260\slmult0\tx
1985\tx1985 \up0 \expndtw0\charscalex104 11.17.Discounts have been recommended t
o reduce the high price of some premiums for flood \line\tab \up0 \expndtw-1\cha
rscalex100 cover. However, some consumers would continue to face a cash flow imp
ediment to taking up \line\tab \up0 \expndtw-2\charscalex100 insurance. \par\par
d\ql \li1418\ri1222\sb240\sl-260\slmult0\tx1985\tx1985 \up0 \expndtw0\charscalex
103 11.18.While those on low incomes are less likely to take-up insurance genera
lly, they can have a \line\tab \up0 \expndtw0\charscalex100 greater need for ins
urance if they do not have the financial resources to restore any assets or \lin
e\tab \up0 \expndtw-3\charscalex100 belongings that were damaged or destroyed. \
par\pard\qj \li1418\ri1221\sb240\sl-260\slmult0\tx1985 \up0 \expndtw0\charscalex
105 11.19.The Brotherhood of St Laurence has identified several \u8216?barriers\
u8217? that low-income earners \line\tab \up0 \expndtw-3\charscalex100 experienc
e in regard to insurance, including: \par\pard\li1985\sb0\sl-253\slmult0\par\par
d\li1985\sb7\sl-253\slmult0\fi0\tx2551 \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4
\f5\fs22 lack of affordability of premiums and the use of excesses;\par\pard\li1
985\sb246\sl-253\slmult0\fi0\tx2551 \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5
\fs22 negative past experiences with claims;\par\pard\li1985\sb249\sl-253\slmult
0\fi0\tx2551 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 individuals\u8217

? attitudes toward risk;\par\pard\li1985\sb247\sl-253\slmult0\fi0\tx2551 \up0 \e

xpndtw-1\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf4\f5\fs22 difficulty estimating the actual valu
e of their assets and, consequently, the potential\par\pard\li1985\sb6\sl-253\sl
mult0\fi566 \up0 \expndtw-1\charscalex100 financial impact of losses;\par\pard\l
i1985\sb248\sl-253\slmult0\fi0\tx2551 \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\
f5\fs22 self-exclusion, often due to perceptions about insurers\u8217? housing s
ecurity requirements;\par\pard\li1985\sb7\sl-253\slmult0\fi566 \up0 \expndtw-1\c
harscalex100 and\par\pard\li1985\sb246\sl-253\slmult0\fi0\tx2551 \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf4\f5\fs22 misunderstanding and feeling overwhelmed by c
ontract terms.66\par\pard\ql \li1418\sb233\sl-253\slmult0 \up0 \expndtw-2\charsc
alex100 11.20.The Brotherhood of St Laurence conducted a survey of 200 low-incom
e earners and found that \par\pard\qj \li1985\ri1225\sb2\sl-260\slmult0 \up0 \ex
pndtw-2\charscalex100 68 per cent of respondents desired higher insurance cover,
of which 34 per cent desired higher \line \up0 \expndtw0\charscalex100 contents
cover and 9 per cent desired higher home cover.\ul0\super\cf26\f27\fs20 67\ul0\
nosupersub\cf4\f5\fs22 While most low-income earners \line \up0 \expndtw0\chars
calex107 would prefer to hold more insurance cover, some hold a preference for l
ife and funeral \line \up0 \expndtw-3\charscalex100 insurance.\ul0\super\cf26\f2
7\fs20 68 \par\pard\qj \li1418\ri1236\sb240\sl-260\slmult0\tx1985 \up0 \expndtw2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 11.21.A May 2011 report into financi
al exclusion provided statistics on take-up of contents insurance \line\tab \up0
\expndtw-2\charscalex100 according to the degree of financial inclusion that ar
e summarised in Table 3 (below).\ul0\super\cf26\f27\fs20 69\ul0\nosupersub\cf4\f
5\fs22 It \par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult
0\par\pard\li1418\sb3\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 \u
l0\nosupersub\cf27\f28\fs18 66\tab \up0 \expndtw-2\charscalex100 Dominic Collins
(Brotherhood of St Laurence), op cit, p 5.\par\pard\li1418\sb52\sl-207\slmult0\
fi0\tx1985 \up0 \expndtw-2\charscalex100 67\tab \up0 \expndtw-2\charscalex100 Br
otherhood of St Laurence submission, p 5.\par\pard\li1418\sb52\sl-207\slmult0\fi
566 \up0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.ndir
.gov.au/content/submissions/issues_paper_submissions/brotherhood_of_st_laurence.
pdf/" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://www.ndir.gov.au/content/
submissions/issues_paper_submissions/Brotherhood_of_St_Laurence.pdf}}}\par\pard\
li1418\sb55\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf27\f28\fs18 68\tab \up0 \expndtw-2\charscalex100 Dominic Collins (Brotherh
ood of St Laurence), op cit, p 29.\par\pard\li1418\sb52\sl-207\slmult0\fi0\tx198
5 \up0 \expndtw-2\charscalex100 69\tab \up0 \expndtw-1\charscalex100 The Centre
for Social Impact, \u8216?Measuring financial exclusion in Australia\u8217?, pre
pared for the National Australia Bank,\par\pard\ql \li1985\sb41\sl-207\slmult0 \
up0 \expndtw-2\charscalex100 May 2011, p 28. \par\pard\ql \li1985\sb46\sl-216\sl
mult0 \up0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.cs
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\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\l
i5855\sb98\sl-207\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\f
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g92}{\bkmkend Pg92}\par\pard\ql \li7530\sb0\sl-207\slmult0 \par\pard\ql\li7530\s
b0\sl-207\slmult0 \par\pard\ql\li7530\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 11: Addressing non-insurance \par\pa
rd\qj \li1985\sb0\sl-260\slmult0 \par\pard\qj\li1985\ri1234\sb230\sl-260\slmult0
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 shows that around 15
per cent of the general population (the \u8216?included\u8217?) do not hold cont
ents \line \up0 \expndtw-1\charscalex100 insurance and that rates of non-insuran
ce rise dramatically as the degree of financial exclusion \line \up0 \expndtw-2\
charscalex100 worsens. \par\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li14
18\sb113\sl-253\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf16\f17\f
s22 Table 3: Take-up of home contents insurance by degree of financial inclusion
\par\pard\li1526\sb142\sl-207\slmult0\fi0\tx6063 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf41\f42\fs18 Degree of financial inclusion\tab \up0 \expndtw-2\
charscalex100 Have home contents insurance (%)\par\pard\li1526\sb177\sl-207\slmu
lt0\fi0\tx8063 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 Inclu
ded\tab \up0 \expndtw-2\charscalex100 85.3\par\pard\li1526\sb180\sl-207\slmult0\
fi0\tx8063 \up0 \expndtw-2\charscalex100 Marginally excluded\tab \up0 \expndtw-2
\charscalex100 75.1\par\pard\li1526\sb177\sl-207\slmult0\fi0\tx8063 \up0 \expndt
w-2\charscalex100 Severely excluded\tab \up0 \expndtw-2\charscalex100 46.4\par\p
ard\li1526\sb179\sl-207\slmult0\fi0\tx8150 \up0 \expndtw-2\charscalex100 Fully e
xcluded\tab \up0 \expndtw-2\charscalex100 0.0\par\pard\qj \li1418\ri1267\sb65\sl
-220\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf41\f42\fs18 Notes\ul
0\nosupersub\cf27\f28\fs18 : \u8216?Included\u8217? persons are defined as those
persons having a transaction account and credit card and home contents or \line
\up0 \expndtw0\charscalex103 motor vehicle insurance (43.4 per cent of the adul
t population); \u8216?marginally excluded\u8217? refers to persons holding two o
f \line \up0 \expndtw0\charscalex100 these financial products \up0 \expndtw0\c
harscalex102 (41.0 per cent); \up0 \expndtw0\charscalex103 \u8216?severely ex
cluded\u8217? persons hold only one of these types of products \par\par
d\ql \li1418\sb11\sl-207\slmult0 \up0 \expndtw-1\charscalex100 (14.8 per cent) a
nd \u8216?fully excluded\u8217? persons hold none of these products (0.8 per cen
t). \par\pard\ql \li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb98\sl-299\slmu
lt0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf18\f19\fs26 Additional assis
tance for low-income earners \par\pard\ql \li1418\ri1228\sb234\sl-260\slmult0\tx
1985\tx1985\tx1985 \up0 \expndtw0\charscalex105 \ul0\nosupersub\cf4\f5\fs22 11.2
2.It is beyond the scope of this Review to consider whether specific concessions
should be \line\tab \up0 \expndtw0\charscalex104 provided to those on low incom
es to enable them to purchase insurance. It is open to the \line\tab \up0 \expnd
tw0\charscalex103 Government to consider providing concessions to certain groups
for insurance against the \line\tab \up0 \expndtw-3\charscalex100 other priorit
ies facing this group. \par\pard\ql \li1418\ri1220\sb240\sl-260\slmult0\tx1985\t
x1985\tx1985\tx1985 \up0 \expndtw0\charscalex104 11.23.However, the Review Panel
considers that there is scope to improve low income earners\u8217? \line\tab \u
p0 \expndtw-2\charscalex100 access to insurance products through addressing the
cash flow issues that can limit their ability \line\tab \up0 \expndtw0\charscale
x102 to make \u8216?lumpy\u8217? payments. Centrepay provides Centrelink custome

rs with a voluntary, free \line\tab \up0 \expndtw-1\charscalex100 bill-paying se

rvice by deducting amounts for regular expenses from Centrelink payments prior \
line\tab \up0 \expndtw-3\charscalex100 to depositing payments in customers\u8217
? bank accounts. \par\pard\ql \li1418\ri1209\sb240\sl-260\slmult0\tx1985\tx1985\
tx1985 \up0 \expndtw0\charscalex100 11.24.In the discussion paper \u8216?Reformi
ng Flood Insurance \u8212? Clearing the Waters\u8217? the Government \line\tab \
up0 \expndtw-2\charscalex100 noted that it had agreed to include home and conten
ts and motor vehicle insurance premiums \line\tab \up0 \expndtw0\charscalex103 a
mong the kinds of expenses that can be paid using Centrepay.\ul0\super
\cf26\f27\fs20 70\ul0\nosupersub\cf4\f5\fs22 The Review Panel \line\tab \up0
\expndtw-2\charscalex100 understands that the insurance industry has responded
and approached Centrelink. \par\pard\qj \li1418\ri1239\sb240\sl-260\slmult0\tx19
85 \up0 \expndtw-2\charscalex100 11.25.There may well be issues which arise from
fortnightly Centrepay insurance premium payments \line\tab \up0 \expndtw-2\char
scalex100 such as: \par\pard\ql \li1985\sb246\sl-253\slmult0\tx2551 \up0 \expndt
w-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226? \tab \up0 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf4\f5\fs22 the level of fees charged to insurers who
use Centrepay to receive premiums, given the \par\pard\ql \li2551\sb7\sl-253\sl
mult0 \up0 \expndtw-2\charscalex100 low level of fortnightly payments that would
be needed for many insurance policies; \par\pard\li1985\sb253\sl-253\slmult0\fi
0\tx2551 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab
\up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 whether premiums should
be remitted to insurers fortnightly or perhaps held in trust\par\pard\li1985\sb
9\sl-253\slmult0\fi566 \up0 \expndtw0\charscalex100 and paid monthly;\par\pard\l
i1985\sb247\sl-253\slmult0\fi0\tx2551 \up0 \expndtw0\charscalex100 \ul0\nosupers
ub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5
\fs22 potential levels of defalcations such as for Centrelink benefit recipients
whose payments\par\pard\li1985\sb6\sl-253\slmult0\fi566 \up0 \expndtw0\charscal
ex100 are suspended for breaches; and\par\pard\li1985\sb249\sl-253\slmult0\fi0\t
x2551 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up
0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 compliance difficulties
for insurers who would need to cancel policies when\par\pard\li1985\sb6\
sl-253\slmult0\fi566 \up0 \expndtw0\charscalex100 non-payment of fortnightly pre
miums occurs.\par\pard\ql \li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb96\sl-2
07\slmult0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 70
\tab \up0 \expndtw-1\charscalex100 Australian Government, \u8216?Reforming Floo
d Insurance: Clearing the Waters\u8217?, April 2011, p 20. \par\pard\ql \li1985
\sb53\sl-207\slmult0 \up0 \expndtw-2\charscalex100 {\field{\*\fldinst {HYPERLINK
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\charscalex100 \ul0\nosupersub\cf6\f7\fs18 87
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g93}{\bkmkend Pg93}\par\pard\ql \li7530\sb0\sl-207\slmult0 \par\pard\ql\li7530\s
b0\sl-207\slmult0 \par\pard\ql\li7530\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 11: Addressing non-insurance \par\pa
rd\ql \li1418\sb0\sl-260\slmult0 \par\pard\ql\li1418\ri1226\sb230\sl-260\slmult0
\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex102 \ul0\nosupersub
\cf4\f5\fs22 11.26.Nevertheless, the Review Panel considers that this is a worth
while initiative that should be \line\tab \up0 \expndtw0\charscalex100 actively
pursued by the Commonwealth Government. In the time available, the Review Panel
\line\tab \up0 \expndtw-1\charscalex100 has not been able to undertake the analy
sis necessary to make concrete recommendations on \line\tab \up0 \expndtw0\chars
calex107 how to proceed, but urges the Government to arrange for the
development and \line\tab \up0 \expndtw0\charscalex108 implementation of a faci
lity to allow Centrelink customers to pay insurance premiums \line\tab \up0 \exp
ndtw-3\charscalex100 fortnightly through Centrepay. \par\pard\ql \li1418\ri1213\
sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expn
dtw0\charscalex100 11.27.Similarly, there is considerable merit in pursuing opti

ons to allow insurance premiums to be \line\tab \up0 \expndtw0\charscalex106 pai

d as part of rent for social or community housing tenants. In the United Kingdom
two \line\tab \up0 \expndtw0\charscalex104 approaches are taken to improve acce
ss to contents insurance for social housing tenants. \line\tab \up0 \expndtw-3\c
harscalex100 Under \up0 \expndtw0\charscalex105 \u8216?affinity\u8217? schemes
the landlord introduces the tenant to the insurer with all \line\tab \
up0 \expndtw0\charscalex102 administration carried out by the insurer. Under \u8
216?insurance with rent\u8217? schemes the landlord \line\tab \up0 \expndtw0\cha
rscalex104 promotes and administers the schemes including handling propos
al forms, collecting \line\tab \up0 \expndtw0\charscalex106 premiums, issuing
policies, setting up accounts and sending out renewal reminders. The \line\tab \
up0 \expndtw-3\charscalex100 landlords receive a commission from the insurer to
cover costs.\ul0\super\cf26\f27\fs20 71 \par\pard\qj \li1418\ri1215\sb240\sl-260
\slmult0\tx1985 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 11.28.S
uch schemes may address cash flow affordability issues for low income earners an
d provide \line\tab \up0 \expndtw-2\charscalex100 for cheaper insurance with eco
nomies of scale and collective or group purchasing. \par\pard\ql \li1418\ri1226\
sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw-2\charscalex100 1
1.29.A survey undertaken by the Brotherhood of St Laurence suggests that these a
pproaches would \line\tab \up0 \expndtw0\charscalex100 encourage more of those o
n low incomes to purchase insurance. For example, 39 per cent of \line\tab \up0
\expndtw0\charscalex107 respondents indicated high or some interest in being abl
e to pay for insurance through \line\tab \up0 \expndtw-1\charscalex100 Centrepay
and 37 per cent of respondents indicated high or some interest in being able to
pay \line\tab \up0 \expndtw-3\charscalex100 for insurance with rent.\ul0\super\
cf26\f27\fs20 72 \par\pard\ql \li1418\ri1225\sb240\sl-260\slmult0\tx1985\tx1985\
tx1985\tx1985\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 1
1.30.In Australia, both State and Commonwealth governments as well as charities
and not-for-profit \line\tab \up0 \expndtw-2\charscalex100 organisations are inv
olved in the provision of social and community housing. The Review Panel \line\t
ab \up0 \expndtw0\charscalex100 does not have a direct recommendation to make to
these different levels of government on \line\tab \up0 \expndtw-2\charscalex100
how to implement arrangements that would allow insurance premiums for contents
to be paid \line\tab \up0 \expndtw0\charscalex104 as part of rent. However, the
Review Panel considers schemes of this kind could facilitate \line\tab \up0 \exp
ndtw-3\charscalex100 access to insurance. \par\pard\ql \li1526\sb0\sl-253\slmult
0 \par\pard\ql\li1526\sb113\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf16\f17\fs22 Recommendation 30: \par\pard\qj \li1526\ri1334\sb242\sl-2
60\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That access
to insurance be enhanced through the development of alternative payment options
, in \up0 \expndtw-3\charscalex100 particular: \par\pard\ql \li1560\sb246\sl-253
\slmult0\tx2126 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf21\f22\fs20 \u82
26? \tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 by the Commonw
ealth Government arranging for Centrelink customers to be able to pay \par\pard\
ql \li2126\sb7\sl-253\slmult0 \up0 \expndtw-3\charscalex100 insurance premiums f
ortnightly through Centrepay; and \par\pard\ql \li1560\sb247\sl-253\slmult0\tx21
26 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf21\f22\fs20 \u8226? \tab \up0
\expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 by State, Territory and/
or local governments and community housing organisations \par\pard\qj \li2
126\ri1335\sb2\sl-260\slmult0 \up0 \expndtw-2\charscalex100 arranging insurance
premiums for contents to be able to be incorporated into rent for social \up0 \e
xpndtw-3\charscalex100 and community housing tenants. \par\pard\ql \li1418\sb0\s
l-299\slmult0 \par\pard\ql\li1418\sb209\sl-299\slmult0 \up0 \expndtw-5\charscale
x100 \ul0\nosupersub\cf18\f19\fs26 Role of lending institutions \par\pard\qj \li
1418\ri1236\sb217\sl-280\slmult0\tx1985 \up0 \expndtw0\charscalex100 \ul0\nosupe
rsub\cf4\f5\fs22 11.31.The Review Panel has examined the viability of mandating
a role for lending institutions to \line\tab \up0 \expndtw0\charscalex100 reduce
non-insurance and rectify under-insurance. Currently, lenders impose contractua
l \par\pard\ql \li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb94\sl-207\slmult
0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 71 \tab \up

0 \expndtw-2\charscalex100 Association of British Insurers, \u8216?How schemes w

ork\u8217?. \par\pard\ql \li1985\sb46\sl-216\slmult0 \up0 \expndtw-1\charscalex1
00 {\field{\*\fldinst {HYPERLINK "http://www.abi.org.uk/access_to_insurance/fina
ncial_inclusion_champions/how_schemes_work.aspx/" }}{\fldrslt {\ul0\nosupersub\c
f27\f28\fs18 http://www.abi.org.uk/Access_to_Insurance/Financial_Inclusion_Champ
ions/How_schemes_work.aspx}}} \par\pard\li1418\sb63\sl-207\slmult0\fi0\tx1985 \u
p0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 72\tab \up0 \expndtw-2
\charscalex100 Brotherhood of St Laurence submission, p 7.\par\pard\ql \li1985\s
b35\sl-216\slmult0 \up0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "
http://www.ndir.gov.au/content/submissions/issues_paper_submissions/Brotherhood_
of_St_Laurence.pdf" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://www.ndir.g
ov.au/content/submissions/issues_paper_submissions/Brotherhood_of_St_Laurence.pd
f}}} \par\pard\ql \li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmu
lt0 \par\pard\ql\li5855\sb98\sl-207\slmult0 \up0 \expndtw-3\charscalex100 \ul0\n
osupersub\cf6\f7\fs18 88
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g94}{\bkmkend Pg94}\par\pard\ql \li7530\sb0\sl-207\slmult0 \par\pard\ql\li7530\s
b0\sl-207\slmult0 \par\pard\ql\li7530\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 11: Addressing non-insurance \par\pa
rd\qj \li1985\sb0\sl-260\slmult0 \par\pard\qj\li1985\ri1223\sb230\sl-260\slmult0
\up0 \expndtw0\charscalex110 \ul0\nosupersub\cf4\f5\fs22 obligations on mortgag
ors to insure their homes\ul0\super\cf26\f27\fs20 73\ul0\nosupersub\cf4\f5\fs22
even though there is no legislative \up0 \expndtw0\charscalex100 requirement fo
r them to do so. However, many lending institutions choose not to undertake \up0
\expndtw0\charscalex102 checks of mortgagors\u8217? insurance arrangements nor
do they specify the breadth of coverage \up0 \expndtw-3\charscalex100 that shoul
d be included in the policy.\ul0\super\cf26\f27\fs20 74 \par\pard\ql \li1418\ri1
230\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\chars
calex103 \ul0\nosupersub\cf4\f5\fs22 11.32.\ul0\nosupersub\cf11\f12\fs22 \ul0\n
osupersub\cf4\f5\fs22 Lenders argue that from their business perspective, it is
not worthwhile for them to check \line\tab \up0 \expndtw-1\charscalex100 insuran
ce details such as the adequacy of sums insured, scope of insurance cover (for e
xample \line\tab \up0 \expndtw-1\charscalex100 whether flood cover is included)
or even whether an insurance policy is in place. They contend \line\tab \up0 \ex
pndtw-1\charscalex100 that any financial exposure to them arising from non-insur
ance and under-insurance of homes \line\tab \up0 \expndtw-1\charscalex100 is lim
ited while the administrative costs of following up details of borrowers\u8217?
insurance would \line\tab \up0 \expndtw-3\charscalex100 be significant. \par\par
d\ql \li1418\ri1221\sb240\sl-260\slmult0\tx1985\tx1985\tx1985 \up0 \expndtw0\cha
rscalex104 11.33.The Australian Bankers\u8217? Association (ABA) notes that bank
s\u8217? lending books have not been \line\tab \up0 \expndtw0\charscalex102 adve
rsely affected by the recent floods and that lending losses in relation to non-i
nsurance \line\tab \up0 \expndtw0\charscalex100 and under-insurance have been ne
gligible.\ul0\super\cf26\f27\fs20 75\ul0\nosupersub\cf4\f5\fs22 Limited financi
al exposure of lending institutions \line\tab \up0 \expndtw-3\charscalex100 is d
ue to a variety of factors, including: \par\pard\li1985\sb0\sl-253\slmult0\par\p
ard\li1985\sb6\sl-253\slmult0\fi0\tx2551 \up0 \expndtw0\charscalex100 \ul0\nosup
ersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4
\f5\fs22 much of the total property value being vested in the land, rather than

the home;\par\pard\li1985\sb246\sl-253\slmult0\fi0\tx2551 \up0 \expndtw0\charsca

lex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw0\charscalex100 \u
l0\nosupersub\cf4\f5\fs22 lenders\u8217? mortgage insurance being in place for s
ome loans; and\par\pard\li1985\sb247\sl-253\slmult0\fi0\tx2551 \up0 \expndtw0\ch
arscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw0\charscalex1
00 \ul0\nosupersub\cf4\f5\fs22 provision of government grants and charitable don
ations to affected homeowners\par\pard\ql \li2551\sb0\sl-248\slmult0 \up0 \expnd
tw-3\charscalex100 following some natural disasters. \par\pard\ql \li1418\ri1215
\sb243\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscal
ex105 11.34.More broadly, the ABA argues that banks have many options to assess
and manage risks \line\tab \up0 \expndtw0\charscalex109 besides home insurance.
They can deny a loan, adjust the loan-to-value ratio, impose \line\tab \up0 \exp
ndtw0\charscalex103 additional requirements such as purchase of lenders\u8217? m
ortgage insurance, increase capital \line\tab \up0 \expndtw0\charscalex108 holdi
ngs in respect of a particular financial exposure and adopt specific risk mitiga
tion \line\tab \up0 \expndtw0\charscalex104 measures.\ul0\super\cf26\f27\fs20 76
\ul0\nosupersub\cf4\f5\fs22 The ABA advises that some banks have reduced their
maximum loan-to-value \line\tab \up0 \expndtw-3\charscalex100 ratios in 2011 for
loans on properties in flood risk areas.\ul0\super\cf26\f27\fs20 77 \par\pard\q
l \li1418\ri1215\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985\tx1985\tx1985
\up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 11.35.The implementatio
n of a comprehensive insurance compliance checking regime would entail \line\tab
\up0 \expndtw-1\charscalex100 significant administrative costs for lenders and
insurers and pose enforcement difficulties such \line\tab \up0 \expndtw-2\charsc
alex100 as whether a default should trigger a mortgagee sale of the property. In
cluding flood cover and \line\tab \up0 \expndtw0\charscalex109 replacement value
cover in all home insurance policies in line with the Review Panel\u8217?s \lin
e\tab \up0 \expndtw-2\charscalex100 recommendation would also reduce the number
of borrowers who have insufficient insurance. \line\tab \up0 \expndtw0\charscale
x104 The benefits of introducing a compulsory insurance compliance regime do not
, therefore, \line\tab \up0 \expndtw-3\charscalex100 appear to be justified. \pa
r\pard\ql \li1418\ri1235\sb240\sl-260\slmult0\tx1985\tx1985\tx1985 \up0 \expndtw
0\charscalex108 11.36.Nevertheless, lenders can play an important role in encour
aging insurance among the \line\tab \up0 \expndtw-3\charscalex100 estimated \up0
\expndtw0\charscalex102 50 per cent of homeowners who have a mortgage. T
he lenders\u8217? contractual \line\tab \up0 \expndtw0\charscalex100 requireme
nts that the mortgaged property be insured act as an impetus for homeowners to \
line\tab \up0 \expndtw0\charscalex100 take out insurance initially. Lenders can
also play a useful role in reminding homeowners \par\pard\li1418\sb0\sl-207\slmu
lt0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb42\sl-207\slmult0\fi0\t
x1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 73\tab \up0 \e
xpndtw-2\charscalex100 Australian Bankers\u8217? Association submission, p 5.\pa
r\pard\li1418\sb53\sl-207\slmult0\fi566 \up0 \expndtw-1\charscalex100 {\field{\*
\fldinst {HYPERLINK "http://www.ndir.gov.au/content/submissions/issues_paper_sub
missions/Australian_Bankers_Association_Inc.pdf" }}{\fldrslt {\ul0\nosupersub\cf
27\f28\fs18 http://www.ndir.gov.au/content/submissions/issues_paper_submissions/
Australian_Bankers_Association_Inc.pdf}}}\par\pard\li1418\sb52\sl-207\slmult0\fi
566 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 ABACUS \u8212? A
ustralian Mutuals submission, p 2.\par\pard\li1418\sb55\sl-207\slmult0\fi566 \up
0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.ndir.gov.au
/content/submissions/issues_paper_submissions/abacus_australian_mutuals.pdf/" }}
{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://www.ndir.gov.au/content/submissi
ons/issues_paper_submissions/Abacus_Australian_Mutuals.pdf}}}\par\pard\li1418\sb
52\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\
f28\fs18 74\tab \up0 \expndtw-1\charscalex100 Small non-bank lenders (with only
a few hundred loans) do undertake annual checks to ensure insurance continuity.\
par\pard\li1418\sb52\sl-207\slmult0\fi566 \up0 \expndtw-2\charscalex100 Banks an
d large non-bank lenders do not.\par\pard\li1418\sb55\sl-207\slmult0\fi566 \up0
\expndtw-1\charscalex100 (Sources: ABACUS Australian Mutuals submission, p 3, Au
stralian Bankers\u8217? Association submission, p 5.)\par\pard\li1418\sb52\sl-20

7\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 75\tab \up0 \expndtw-2\charsc

alex100 Australian Bankers\u8217? Association submission, p 6.\par\pard\li1418\s
b52\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 76\tab \up0 \expndtw
-2\charscalex100 ibid, p 5.\par\pard\li1418\sb55\sl-207\slmult0\fi0\tx1985 \up0
\expndtw-2\charscalex100 77\tab \up0 \expndtw-2\charscalex100 ibid, p 6.\par\par
d\ql \li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard
\ql\li5855\sb86\sl-207\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6
\f7\fs18 89
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g95}{\bkmkend Pg95}\par\pard\ql \li7530\sb0\sl-207\slmult0 \par\pard\ql\li7530\s
b0\sl-207\slmult0 \par\pard\ql\li7530\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 11: Addressing non-insurance \par\pa
rd\qj \li1985\sb0\sl-260\slmult0 \par\pard\qj\li1985\ri1228\sb230\sl-260\slmult0
\up0 \expndtw0\charscalex106 \ul0\nosupersub\cf4\f5\fs22 periodically of the
need to maintain or review existing insurance and of the risks of \up0 \e
xpndtw0\charscalex103 under-insurance. Providing reminders on, for example, an a
nnual basis, would not impose \up0 \expndtw0\charscalex100 significant administr
ative costs on lenders and may result in more comprehensive insurance \up0 \expn
dtw-1\charscalex100 cover which is consistent with the policy aim in requiring l
enders to have some assurance that \up0 \expndtw-3\charscalex100 the assets are
protected. \par\pard\ql \li1418\ri1237\sb240\sl-260\slmult0\tx1985\tx1985 \up0 \
expndtw0\charscalex100 11.37.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\
f5\fs22 Lenders are also a source of information on the value of the property th
at could be used by \line\tab \up0 \expndtw-1\charscalex100 homeowners as part o
f the information they bring to the estimation of the replacement value \line\ta
b \up0 \expndtw-3\charscalex100 of the property. \par\pard\ql \li1526\sb0\sl-253
\slmult0 \par\pard\ql\li1526\sb113\sl-253\slmult0 \up0 \expndtw-3\charscalex100
\ul0\nosupersub\cf16\f17\fs22 Recommendation 31: \par\pard\qj \li1526\ri1338\sb2
42\sl-260\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That
lending institutions remind mortgagors annually of their obligations to hold hom
e insurance \line \up0 \expndtw0\charscalex102 and of the risks of under-insuran
ce in order to minimise non-insurance and under-insurance of \line \up0 \expndtw
-3\charscalex100 homes. \par\pard\ql \li1418\sb0\sl-299\slmult0 \par\pard\ql\li1
418\sb209\sl-299\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf18\f19\
fs26 Abolishing State insurance taxes \par\pard\ql \li1418\ri1215\sb234\sl-260\s
lmult0\tx1985\tx1985 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf4\f5\fs22 11
.38.Submissions from insurers argue for the removal of State taxes on insurance
as an efficient \line\tab \up0 \expndtw-1\charscalex100 method for governments t
o improve the affordability of insurance.\ul0\super\cf26\f27\fs20 78\ul0\nosuper
sub\cf4\f5\fs22 A number of submissions \line\tab \up0 \expndtw-1\charscalex100
to the Review from individuals also called for the removal of insurance taxes.
\par\pard\ql \li1418\ri1229\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985 \up
0 \expndtw0\charscalex100 11.39.The Review Panel has not undertaken independent
analysis of the impact of the Fire Services \line\tab \up0 \expndtw0\charscalex1
02 Levy or insurance taxes on non-insurance and under-insurance. However
, the analysis \line\tab \up0 \expndtw-1\charscalex100 undertaken by others, i
ncluding the Australia\u8217?s Future Tax System Review (AFTS),\ul0\super\cf26\f
27\fs20 79\ul0\nosupersub\cf4\f5\fs22 argues that \line\tab \up0 \expndtw0\char
scalex100 the imposition of insurance specific taxes has a harmful effect on the

levels of non-insurance \line\tab \up0 \expndtw-3\charscalex100 and under-insur

ance. \par\pard\ql \li1418\ri1211\sb240\sl-260\slmult0\tx1985\tx1985 \up0 \expnd
tw-1\charscalex100 11.40.Insurance premiums currently attract stamp duty imposed
by State and Territory governments \line\tab \up0 \expndtw0\charscalex103 at ra
tes of between 7.5 per cent and 11 per cent, a fire service levy on insurers in
Victoria, \line\tab \up0 \expndtw-3\charscalex100 NSW and Tasmania that is recou
ped through higher premiums, and GST.\ul0\super\cf26\f27\fs20 80 \par\pard\ql \l
i1418\ri1238\sb240\sl-260\slmult0\tx1985\tx1985 \up0 \expndtw0\charscalex103 \ul
0\nosupersub\cf4\f5\fs22 11.41.The Victorian Bushfires Royal Commission calculat
ed that in metropolitan areas, for every \line\tab \up0 \expndtw0\charscalex109
$100 in premium, the Victorian Fire Services Levy added $20 to the final cost of
home \line\tab \up0 \expndtw-1\charscalex100 insurance and State government sta
mp duty added a further $13.20. For businesses located in \par\pard\li1418\sb0\s
l-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmu
lt0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pa
rd\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\
sb146\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf
27\f28\fs18 78\tab \up0 \expndtw-2\charscalex100 Allianz submission, p 2.\par\pa
rd\qj \li1985\ri1722\sb0\sl-260\slmult0 \up0 \expndtw-1\charscalex100 {\field{\*
\fldinst {HYPERLINK "http://www.ndir.gov.au/content/submissions/issues_paper_sub
missions/allianz_australia_insurance_ltd.pdf/" }}{\fldrslt {\ul0\nosupersub\cf27
\f28\fs18 http://www.ndir.gov.au/content/submissions/issues_paper_submissions/Al
lianz_Australia_Insurance_Ltd.pdf}}} \line \up0 \expndtw-2\charscalex100 \ul0\no
supersub\cf27\f28\fs18 IAG submission, p 21. \par\pard\qj \li1985\ri1600\sb0\sl260\slmult0 \up0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http://
www.ndir.gov.au/content/submissions/issues_paper_submissions/insurance_australia
_group_(iag/" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://www.ndir.gov.au/
content/submissions/issues_paper_submissions/Insurance_Australia_Group_(IAG}}}\u
l0\nosupersub\cf27\f28\fs18 ).pdf \line \up0 \expndtw-2\charscalex100 Insurance
Council of Australia submission, p 2, pp 27-28. \par\pard\ql \li1985\sb36\sl-216
\slmult0 \up0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www
.ndir.gov.au/content/submissions/issues_paper_submissions/insurance_council_of_a
ustralia.pdf/" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://www.ndir.gov.au
/content/submissions/issues_paper_submissions/Insurance_Council_of_Australia.pdf
}}} \par\pard\ql \li1985\sb44\sl-216\slmult0 \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf27\f28\fs18 Suncorp submission, p 6. {\field{\*\fldinst {HYPERLINK
"http://www.ndir.gov.au/content/submissions/issues_paper_submissions/suncorp.pdf
/" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://www.ndir.gov.au/content/sub
missions/issues_paper_submissions/suncorp.pdf}}} \par\pard\ql \li1418\sb52\sl-20
7\slmult0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 79
\tab \up0 \expndtw-1\charscalex100 Australia\u8217?s Future Tax System, Report t
o the Treasurer, Part Two, Detailed Analysis, Volume 2 of 2, December 2009, \par
\pard\ql \li1985\sb53\sl-207\slmult0 \up0 \expndtw-2\charscalex100 pp 472-474. \
par\pard\qj \li1985\ri1270\sb10\sl-260\slmult0 \up0 \expndtw-1\charscalex100 {\f
ield{\*\fldinst {HYPERLINK "http://taxreview.treasury.gov.au/content/downloads/f
inal_report_part_2/afts_final_report_part_2_vol_2_conso/" }}{\fldrslt {\ul0\nosu
persub\cf27\f28\fs18 http://taxreview.treasury.gov.au/content/downloads/final_re
port_part_2/AFTS_Final_Report_Part_2_Vol_2_Conso}}} \line \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf27\f28\fs18 lidated.pdf \par\pard\ql \li1418\sb44\sl-2
07\slmult0\tx1985 \up0 \expndtw-2\charscalex100 80 \tab \up0 \expndtw-1\charscal
ex100 Australia\u8217?s Future Tax System, op cit, Table E8-1: Insurance taxes i
n each State, 2008-09, p 471. \par\pard\ql \li5855\sb0\sl-207\slmult0 \par\pard\
ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb99\sl-207\slmult0 \up0 \expnd
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g96}{\bkmkend Pg96}\par\pard\ql \li7530\sb0\sl-207\slmult0 \par\pard\ql\li7530\s
b0\sl-207\slmult0 \par\pard\ql\li7530\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 11: Addressing non-insurance \par\pa
rd\qj \li1985\sb0\sl-260\slmult0 \par\pard\qj\li1985\ri1233\sb230\sl-260\slmult0
\up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 metropolitan areas, fo
r every $100 in premium, the Fire Services Levy added $50 and stamp \up0 \expndt
w-3\charscalex100 duty added a further $16.50.\ul0\super\cf26\f27\fs20 81 \par\p
ard\ql \li1418\ri1217\sb240\sl-260\slmult0\tx1985\tx1985 \up0 \expndtw0\charscal
ex100 \ul0\nosupersub\cf4\f5\fs22 11.42.It was put to the Review that Federal an
d State Government taxes and charges on insurance \line\tab \up0 \expndtw0\chars
calex104 premiums increased an insurance premium in metropolitan areas by up to
78 per cent for \line\tab \up0 \expndtw-3\charscalex100 business insurance, and
up to 44 per cent for home insurance.\ul0\super\cf26\f27\fs20 82 \par\pard\ql \l
i1418\ri1207\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expnd
tw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 11.43.These are significant impost
s on insurance. As discussed in the AFTS Report, insurance taxes \line\tab \up0
\expndtw-1\charscalex100 mean that insureds pay more to achieve the same level o
f risk reduction, potentially deterring \line\tab \up0 \expndtw0\charscalex100 s
ome people and businesses from entering the insurance market or purchasing an ad
equate \line\tab \up0 \expndtw0\charscalex102 level of insurance.\ul0\super\cf26
\f27\fs20 83\ul0\nosupersub\cf4\f5\fs22 Modelling conducted by Tooth and Barker
in 2008 estimated that State \line\tab \up0 \expndtw0\charscalex102 insurance p
remium based taxes are the cause of around 300,000 households being without \lin
e\tab \up0 \expndtw-2\charscalex100 home contents insurance and 69,000 household
s being without home insurance.\ul0\super\cf26\f27\fs20 84 \par\pard\ql \li1418\
ri1214\sb240\sl-260\slmult0\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex104 \u
l0\nosupersub\cf4\f5\fs22 11.44.The purchase of insurance by consumers represent
s a conscious attempt by them to take \line\tab \up0 \expndtw0\charscalex103 res
ponsibility for the management of the risks that they bear. This form
of financial \line\tab \up0 \expndtw0\charscalex100 self-reliance should be en
couraged. However, the imposition by State governments of taxes \line\tab \up0 \
expndtw-2\charscalex100 and levies on insurance imposes additional costs on cons
umers for doing so. \par\pard\ql \li1418\ri1210\sb240\sl-260\slmult0\tx1985\tx19
85\tx1985 \up0 \expndtw0\charscalex102 11.45.Action is being taken by State gove
rnments to reduce the impost on insurers. The Victorian \line\tab \up0 \expndtw0
\charscalex102 Government has announced that it will replace the Fire Services L
evy with a property based \line\tab \up0 \expndtw0\charscalex100 payment. Abolit
ion of the levy was also an election commitment of the NSW Government.\ul0\super
\cf26\f27\fs20 85 \line\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5
\fs22 This would significantly reduce the cost of insurance policies in these St
ates. \par\pard\ql \li1418\ri1215\sb240\sl-260\slmult0\tx1985\tx1985\tx1985 \up0
\expndtw0\charscalex103 11.46.The Review Panel endorses the conclusions of the

AFTS Review and others who argue that \line\tab \up0 \expndtw-1\charscalex100 ta
xes on insurance are inefficient. However, these taxes are a significant source
of revenue for \line\tab \up0 \expndtw0\charscalex102 State and Territory govern
ments, and any consideration of their removal would need to be \line\tab \up0 \e
xpndtw-3\charscalex100 made in the context of broader State level fiscal reform
efforts. \par\pard\ql \li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb69\sl-299
\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf18\f19\fs26 Compulsory
insurance for homes and contents \par\pard\ql \li1418\ri1214\sb234\sl-260\slmult
0\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22
11.47.Some submissions to the Review argue in favour of compulsory insurance bec
ause insurance \line\tab \up0 \expndtw0\charscalex103 enhances resilience and so
insurance coverage for all would be advantageous. Compulsory \line\tab \up0 \ex
pndtw0\charscalex100 insurance would also prevent those who have purchased insur
ance being asked to contribute \line\tab \up0 \expndtw-2\charscalex100 to the pr
ovision of assistance to those who have not following a natural disaster. \par\p
ard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418
\sb0\sl-207\slmult0\par\pard\li1418\sb175\sl-207\slmult0\fi0\tx1985 \up0 \expndt
w-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 81\tab \up0 \expndtw-1\charscale
x100 2009 Victorian Bushfires Royal Commission, \u8216?The Fire Services Levy an
d Insurance\u8217?, Discussion Paper,\par\pard\li1418\sb52\sl-207\slmult0\fi566
\up0 \expndtw-1\charscalex100 November 2009, p 3, (stamp duty is levied on the t
otal of the insurance premium, Fires Services Levy and GST).\par\pard\li1418\sb5
2\sl-207\slmult0\fi566 \up0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLI
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//www.royalcommission.vic.gov.au/getdoc/7b5203e0-7d74-47d5-b30a-fb47f233d38d/Fir
e-Services-Levy-and-}}}\par\pard\li1418\sb55\sl-207\slmult0\fi566 \up0 \expndtw2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 Insurance-Discussion-Paper\par\par
d\li1418\sb52\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 82\tab \up
0 \expndtw-2\charscalex100 Insurance Australia Group, op cit, p 21.\par\pard\li1
418\sb52\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 83\tab \up0 \ex
pndtw-2\charscalex100 Australia\u8217?s Future Tax System, op cit, p 473.\par\pa
rd\li1418\sb55\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 84\tab \u
p0 \expndtw-1\charscalex100 Dr George Barker and Dr Richard Tooth, \u8216?An Ana
lysis of the Demand for House and Contents Insurance in Australia\u8217?,\par\pa
rd\li1418\sb53\sl-207\slmult0\fi566 \up0 \expndtw-2\charscalex100 Centre for Law
and Economics, 2008, p 4.\par\pard\li1418\sb52\sl-207\slmult0\fi566 \up0 \expnd
tw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http://law.anu.edu.au/cle/pape
rs/insurance_demand_home&contents_fina.pdf/" }}{\fldrslt {\ul0\nosupersub\cf27\f
28\fs18 http://law.anu.edu.au/cle/Papers/Insurance_Demand_Home&Contents_Fina.pdf
}}}\par\pard\li1418\sb55\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf27\f28\fs18 85\tab \up0 \expndtw-1\charscalex100 Media Releas
e issued by The Hon Peter Ryan MP, Deputy Premier of Victoria, and The Hon Kim W
ells MP, Treasurer\par\pard\li1418\sb52\sl-207\slmult0\fi566 \up0 \expndtw-1\cha
rscalex100 of Victoria, \u8216?Coalition Government announces timetable for intr
oduction of new fire services funding model\u8217?,\par\pard\li1418\sb52\sl-207\
slmult0\fi566 \up0 \expndtw-2\charscalex100 14 May 2011.\par\pard\qj \li1985\ri1
333\sb0\sl-260\slmult0 \up0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLI
NK "http://www.premier.vic.gov.au/media-centre/media-releases/947-coalition-gove
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html" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://www.premier.vic.gov.au/m
edia-centre/media-releases/947-coalition-government-announces-timetable-for-}}}\
line \up0 \expndtw-2\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.pre
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{\ul0\nosupersub\cf27\f28\fs18 introduction-of-new-fire-services-funding-model-.
html}}} \par\pard\qj \li1985\ri2326\sb0\sl-260\slmult0 \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf27\f28\fs18 Media Release issued by the Hon Melinda Pavey
MLC, \u8216?Labor\u8217?s bushfire levy bungle\u8217?, 19 January 2011. \line \
up0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http://nsw.nationals

.org.au/latest-news/labors-bushfire-levy-bungle.html" }}{\fldrslt {\ul0\nosupers

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0 \ul0\nosupersub\cf6\f7\fs18 91
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g97}{\bkmkend Pg97}\par\pard\ql \li7530\sb0\sl-207\slmult0 \par\pard\ql\li7530\s
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alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 11: Addressing non-insurance \par\pa
rd\ql \li1418\sb0\sl-260\slmult0 \par\pard\ql\li1418\ri1215\sb230\sl-260\slmult0
\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex108 \ul0\nosupersub\cf4\f5
\fs22 11.48.However, as noted in the Issues Paper, making insurance compulsory w
ould be a very \line\tab \up0 \expndtw0\charscalex102 significant change to the
operation of the private insurance market in Australia.\ul0\super\cf26\f27\fs20
86\ul0\nosupersub\cf4\f5\fs22 Although \line\tab \up0 \expndtw-2\charscalex100
forms of compulsory insurance do exist, they are intended to protect third parti
es such as third \line\tab \up0 \expndtw0\charscalex104 party insurance for moto
r vehicles. While there is an impact on the broader community if \line\tab \up0
\expndtw-3\charscalex100 homeowners do not insure, it is not a direct third part
y implication. \par\pard\ql \li1418\ri1216\sb240\sl-260\slmult0\tx1985\tx1985 \u
p0 \expndtw0\charscalex106 11.49.Simply making insurance compulsory without
also addressing underlying causes of \line\tab \up0 \expndtw-1\charscalex10
0 non-insurance, such as affordability and financial exclusion, may have uninten
ded and adverse \line\tab \up0 \expndtw-1\charscalex100 consequences, potentiall
y requiring additional measures to address them. \par\pard\ql \li1418\ri1207\sb2
40\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw
0\charscalex106 11.50.Problems also arise if the purchase of insurance is compul
sory but insurers do not offer \line\tab \up0 \expndtw0\charscalex100 suitable p
roducts. Therefore if insurance were made compulsory it may also be necessary to
\line\tab \up0 \expndtw-2\charscalex100 institute a requirement on insurers to
offer cover to everyone. It would also require substantial \line\tab \up0 \expnd
tw0\charscalex108 market intervention, in both compliance terms and commercial t
erms, if insurers were \line\tab \up0 \expndtw0\charscalex100 required to offer
insurance to homeowners and all owners were required to purchase cover \line\tab
\up0 \expndtw0\charscalex100 irrespective of risk and other characteristics. Fi
nally, there would be substantial enforcement \line\tab \up0 \expndtw0\charscale
x100 difficulties such as whether a failure by an existing homeowner to purchase
insurance cover \line\tab \up0 \expndtw-3\charscalex100 would trigger a sale of
the property. \par\pard\ql \li1418\ri1227\sb240\sl-260\slmult0\tx1985\tx1985\tx
1985 \up0 \expndtw0\charscalex108 11.51.On balance, the Review Panel does not co
nsider that the benefits of making insurance \line\tab \up0 \expndtw0\charscalex
100 compulsory are justified, particularly given the current low levels of non-i
nsurance of homes \line\tab \up0 \expndtw0\charscalex108 and the range of re
asons for non-insurance of contents. See the Review Panel\u8217?s \line\
tab \up0 \expndtw-3\charscalex100 Recommendation 2 in Chapter 2. \par\pard\ql \l
i1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1
418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li141
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lmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slm
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\sn geoRight}{\sv 2881}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(2881,20);(2881,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g98}{\bkmkend Pg98}\par\pard\ql \li1418\sb0\sl-356\slmult0 \par\pard\ql\li1418\s
b0\sl-356\slmult0 \par\pard\ql\li1418\sb0\sl-356\slmult0 \par\pard\ql\li1418\sb0
\sl-356\slmult0 \par\pard\ql\li1418\sb141\sl-356\slmult0 \up0 \expndtw0\charscal
ex98 \ul0\nosupersub\cf23\f24\fs36 Chapter 12.\ul0\nosupersub\cf24\f25\fs36 \ul
0\nosupersub\cf23\f24\fs36 R\ul0\nosupersub\cf25\f26\fs29 EDUCING UNDER\ul0\no
supersub\cf23\f24\fs36 -\ul0\nosupersub\cf25\f26\fs29 INSURANCE OF HOMES \par\pa
rd\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\par
d\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb111\sl-253\slmult0 \up0 \ex
pndtw-3\charscalex100 \ul0\nosupersub\cf9\f10\fs28 T\ul0\nosupersub\cf10\f11\fs2
2 HE MAIN TYPES OF HOME BUILDING INSURANCE COVER \par\pard\ql \li1418\sb0\sl-260
\slmult0 \par\pard\ql\li1418\ri1224\sb2\sl-260\slmult0\tx1985\tx1985\tx1985\tx19
85\tx1985\tx1985 \up0 \expndtw0\charscalex109 \ul0\nosupersub\cf4\f5\fs22 12.1.\
ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 There are two main typ
es of home building insurance cover offered by insurers in the \line\tab \up0 \e
xpndtw0\charscalex102 Australian market. The first is often referred to as \u821
6?sum insured cover\u8217? under which insurers \line\tab \up0 \expndtw0\charsca
lex110 provide cover up to a specified dollar amount (that is, the sum insured).
This amount \line\tab \up0 \expndtw0\charscalex107 represents the maximum liabi
lity of the insurer for damage to the home. The second is \line\tab \up0 \expndt
w0\charscalex103 \u8216?replacement value cover\u8217? under which a sum insured
amount does not apply. Instead, the \line\tab \up0 \expndtw0\charscalex103 insu
rer commits to rebuild a damaged or destroyed home to its original size and stan
dard, \line\tab \up0 \expndtw-3\charscalex100 regardless of the cost involved. \
par\pard\ql \li1418\ri1209\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985 \up0
\expndtw0\charscalex100 12.2.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4
\f5\fs22 The majority of home building insurance policies sold in Australia prov

ide sum insured cover. \line\tab \up0 \expndtw0\charscalex102 Only a small numbe
r of insurers currently offer replacement value cover. This is despite the \line
\tab \up0 \expndtw0\charscalex100 fact that replacement value cover is standard
for home building insurance under Division 2 of \line\tab \up0 \expndtw0\charsca
lex102 the Insurance Contracts Regulations 1985 that is, most insurers choose to
deviate from this \line\tab \up0 \expndtw-2\charscalex100 aspect of standard co
ver as defined in subsection 35(2) of the \ul0\nosupersub\cf19\f20\fs22 Insuranc
e Contracts Act 1984\ul0\nosupersub\cf4\f5\fs22 . \par\pard\ql \li1418\sb0\sl-25
3\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb40\sl-253
\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf9\f10\fs28 U\ul0\nosupe
rsub\cf10\f11\fs22 NDER\ul0\nosupersub\cf9\f10\fs28 -\ul0\nosupersub\cf10\f11\fs
22 INSURANCE OF HOMES IS LINKED TO SUM INSURED COVER \par\pard\ql \li1418\ri1218
\sb242\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf4\f5\fs22 12.3.\ul0\nosupersub\cf11\f12\fs22 \u
l0\nosupersub\cf4\f5\fs22 Under sum insured cover, generally neither the homeown
er nor the insurer knows how closely \line\tab \up0 \expndtw-2\charscalex100 the
sum insured corresponds to the replacement value. This creates the possibility
that when a \line\tab \up0 \expndtw0\charscalex106 home insured under a sum insu
red policy is destroyed (that is, becomes a \u8216?total loss\u8217? for \line\t
ab \up0 \expndtw0\charscalex100 insurance purposes) and needs to be rebuilt, the
sum insured amount may be insufficient to \line\tab \up0 \expndtw0\charscalex10
0 fully fund replacement of the home. In that scenario, the homeowner is under-i
nsured. If the \line\tab \up0 \expndtw0\charscalex102 home is to be rebuilt to i
ts original size and standard, the homeowner will have to fund the \line\tab \up
0 \expndtw-3\charscalex100 shortfall between the sum insured and the rebuilding
costs. \par\pard\qj \li1418\ri1226\sb240\sl-260\slmult0\tx1985 \up0 \expndtw-1\c
harscalex100 12.4.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Und
er-insurance has the potential to cause significant financial hardship for homeo
wners who \line\tab \up0 \expndtw-3\charscalex100 experience the total loss of t
heir home. \par\pard\ql \li1418\ri1236\sb240\sl-260\slmult0\tx1985\tx1985\tx1985
\tx1985\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex103 12.5.\ul
0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The existence of under-i
nsurance is generally not readily apparent because most insurance \line\tab \up0
\expndtw0\charscalex100 claims are partial losses, rather than total losses, an
d the sum insured is usually adequate in \line\tab \up0 \expndtw0\charscalex100
such cases. As long as the replacement cost of the partial loss is less than its
sum insured, the \line\tab \up0 \expndtw0\charscalex100 homeowner is generally
covered for full replacement. However, whenever there are natural \line\tab \up0
\expndtw0\charscalex102 disasters that cause homes to be total losses, the leve
l of under-insurance becomes visible. \line\tab \up0 \expndtw0\charscalex100 Thi
s phenomenon is most evident in bushfires. Indications following both the 2003 C
anberra \line\tab \up0 \expndtw-1\charscalex100 bushfires and the 2009 Victorian
bushfires were that a substantial proportion of homeowners \line\tab \up0 \expn
dtw0\charscalex100 were under-insured to some degree. Following the Canberra bus
hfires, it was estimated that \line\tab \up0 \expndtw0\charscalex102 structures
were under-insured, on average, by 40 per cent of their replacement cost.\ul0\su
per\cf26\f27\fs20 87\ul0\nosupersub\cf4\f5\fs22 The \line\tab \up0 \expndtw0\c
harscalex100 Insurance Council has noted that the average claim for homes that w
ere total losses from the \par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb
0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\s
lmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb2\sl-207\slmult0\fi0
\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 87\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf45\f46\fs18 Australian Securities and
Investments Commission (ASIC), \u8216?Getting Home Insurance Right\u8217?, Repo
rt 54,\par\pard\li1418\sb52\sl-207\slmult0\fi566 \up0 \expndtw-2\charscalex100 S
eptember 2005, p 12.\par\pard\qj \li1985\ri1738\sb0\sl-260\slmult0 \up0 \expndtw
-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.asic.gov.au/asic/pdfl
ib.nsf/lookupbyfilename/underinsurance_report.pdf/$file/underinsurance_/" }}{\fl
drslt {\ul0\nosupersub\cf45\f46\fs18 www.asic.gov.au/asic/pdflib.nsf/LookupByFil
eName/underinsurance_report.pdf/$file/underinsurance_}}} \line \up0 \expndtw-2\c

harscalex100 \ul0\nosupersub\cf45\f46\fs18 report.pdf \par\pard\ql \li5855\sb0\s

l-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb88\sl
-207\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs18 93
{\shp {\*\shpinst\shpleft1418\shptop14246\shpright4299\shpbottom14266\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz598\shplid0
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
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p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g99}{\bkmkend Pg99}\par\pard\ql \li6488\sb0\sl-207\slmult0 \par\pard\ql\li6488\s
b0\sl-207\slmult0 \par\pard\ql\li6488\sb14\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 12: Reducing the under-insurance of
homes \par\pard\qj \li1985\sb0\sl-260\slmult0 \par\pard\qj\li1985\ri1210\sb230\s
l-260\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 Victoria
n bushfires was $132,000 compared with an average cost of building a home in Vic
toria \line \up0 \expndtw-2\charscalex100 of $230,000, indicating here also an a
verage level of under-insurance of around 40 per cent.\ul0\super\cf26\f27\fs20 8
8 \par\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0
\par\pard\ql\li1418\sb40\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosu
persub\cf9\f10\fs28 C\ul0\nosupersub\cf10\f11\fs22 AUSES OF UNDER\ul0\nosupersub
\cf9\f10\fs28 -\ul0\nosupersub\cf10\f11\fs22 INSURANCE OF HOMES \par\pard\ql \li
1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb14\sl-253\slmult0 \up0 \expndtw-2\
charscalex100 \ul0\nosupersub\cf4\f5\fs22 12.6.\ul0\nosupersub\cf11\f12\fs22 \u
l0\nosupersub\cf4\f5\fs22 Under-insurance can occur for two main reasons. \par\p
ard\ql \li1418\ri1210\sb242\sl-260\slmult0\tx1702\tx1702\tx1702\tx1702\tx1702\tx
1702 \up0 \expndtw0\charscalex108 \ul0\nosupersub\cf20\f21\fs22 \u8226?\ul0\nosu
persub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Firstly, the homeowner can d
eliberately choose a sum insured that is insufficient to cover \line\tab \up0 \e
xpndtw0\charscalex100 rebuilding costs in the event of a total loss. This practi
ce is usually engaged in to obtain a lower \line\tab \up0 \expndtw0\charscalex10
5 premium. It actually gives rise to cross-subsidies from those who ar
e careful to avoid \line\tab \up0 \expndtw-2\charscalex100 under-insurance to
those who do under-insure. The reason is that insurers\u8217? aggregate claims
costs \line\tab \up0 \expndtw0\charscalex107 are not heavily influenced by the s
um insured but their premiums do vary by sum insured; \line\tab \up0 \expndtw0\c
harscalex102 under-statement of sum insured therefore leads to the average premi
um per unit sum insured \line\tab \up0 \expndtw-2\charscalex100 having to rise,
adversely affecting those who have not under-stated their sum insured. \par\pard
\ql \li1418\ri1219\sb240\sl-260\slmult0\tx1702\tx1702 \up0 \expndtw0\charscalex1
03 \ul0\nosupersub\cf20\f21\fs22 \u8226?\ul0\nosupersub\cf11\f12\fs22 \ul0\nosu
persub\cf4\f5\fs22 Secondly, the homeowner can underestimate rebuilding
costs, resulting in inadvertent \line\tab \up0 \expndtw0\charscalex104 underinsurance. There are a number of factors that may contribute to homeo
wners \line\tab \up0 \expndtw-3\charscalex100 inadvertently underestimating the
cost of rebuilding. \par\pard\ql \li1418\ri1210\sb240\sl-260\slmult0\tx1985\tx19
85 \up0 \expndtw-2\charscalex100 12.7.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupe
rsub\cf4\f5\fs22 Estimating replacement cost is a technical task and may require
building industry expertise to \line\tab \up0 \expndtw0\charscalex103 be done p
roperly. It requires time and effort by homeowners and, although professional \l
ine\tab \up0 \expndtw-2\charscalex100 advice can be obtained, it is not a practi
ce that homeowners would see as worthwhile. \par\pard\ql \li1418\ri1225\sb240\sl
-260\slmult0\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex103 12.8.\ul0\
nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Although insurers provide
online valuation calculators to assist homeowners to assess an \line\tab \up0 \e

xpndtw-3\charscalex100 appropriate sum insured value, the calculators have their

limitations. The Australian Securities \line\tab \up0 \expndtw0\charscalex107 a
nd Investments Commission (ASIC) has found that the calculators can vary in qual
ity. \line\tab \up0 \expndtw-3\charscalex100 Accordingly, ASIC recommends that h
omeowners try at least three different calculators before \line\tab \up0 \expndt
w-4\charscalex100 arriving at an appropriate sum.\ul0\super\cf26\f27\fs20 89 \pa
r\pard\ql \li1418\ri1208\sb240\sl-260\slmult0\tx1985\tx1985\tx1985 \up0 \expndtw
0\charscalex107 \ul0\nosupersub\cf4\f5\fs22 12.9.\ul0\nosupersub\cf11\f12\fs22
\ul0\nosupersub\cf4\f5\fs22 Most insurers automatically increase the sum insured
each year, in an effort to counter \line\tab \up0 \expndtw0\charscalex104 build
ing cost inflation, but this indexation of the sum insured value, while a useful
step, is \line\tab \up0 \expndtw0\charscalex100 something of a \u8216?hit and m
iss\u8217? approach because the results depend on both the adequacy of \line\tab
\up0 \expndtw-2\charscalex100 the original sum insured and the appropriateness
of the indexation rates used. \par\pard\ql \li1418\sb0\sl-264\slmult0 \par\pard\
ql\li1418\sb253\sl-264\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf9
\f10\fs28 A\ul0\nosupersub\cf10\f11\fs22 \ul0\nosupersub\cf9\f10\fs28 \u8216?\u
l0\nosupersub\cf10\f11\fs22 TOP\ul0\nosupersub\cf9\f10\fs28 -\ul0\nosupersub\cf1
0\f11\fs22 UP\ul0\nosupersub\cf9\f10\fs28 \u8217?\ul0\nosupersub\cf10\f11\fs22
TO THE SUM INSURED \par\pard\ql \li1418\ri1227\sb260\sl-260\slmult0\tx1985\tx198
5\tx1985 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 12.10.Rebuildi
ng costs following events where a large number of homes have been destroyed, suc
h \line\tab \up0 \expndtw0\charscalex108 as natural disasters, may be higher tha
n normal due to greater demand for labour and \line\tab \up0 \expndtw0\charscale
x100 materials that inevitably follows such an event. Accurately estimating how
much higher costs \line\tab \up0 \expndtw-3\charscalex100 could be in such circu
mstances is difficult. \par\pard\qj \li1418\ri1238\sb240\sl-260\slmult0\tx1985 \
up0 \expndtw0\charscalex106 12.11.Some insurers provide a \u8216?top-up\u8217? o
f the sum insured in the event of a natural disaster to \line\tab \up0 \expndtw1\charscalex100 account for higher than normal buildings costs. The \u8216?top-u
p\u8217? is additional cover above the sum \par\pard\ql \li1418\sb0\sl-207\slmul
t0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0
\par\pard\ql\li1418\sb43\sl-207\slmult0\tx1985 \up0 \expndtw-2\charscalex100 \u
l0\nosupersub\cf27\f28\fs18 88 \tab \up0 \expndtw0\charscalex100 \ul0\nosupersub
\cf45\f46\fs18 Insurance Council of Australia, Submission to the 2009 Victorian
Bushfires Royal Commission responding to \par\pard\ql \li1985\ri1276\sb10\sl-260
\slmult0 \up0 \expndtw0\charscalex100 the Royal Commission's discussion paper en
titled 'The Fire Services Levy and Insurance', January 2010, p 7. \line \up0 \ex
pndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.royalcommission.
vic.gov.au/getdoc/7ddec9c7-6c3c-4902-b4d4-1fa543085835/insurance-/" }}{\fldrslt
{\ul0\nosupersub\cf45\f46\fs18 http://www.royalcommission.vic.gov.au/getdoc/7dde
c9c7-6c3c-4902-b4d4-1fa543085835/Insurance-}}}\line \up0 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf45\f46\fs18 Council-of-Australia-Ltd \par\pard\ql \li1418\sb
44\sl-207\slmult0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\
fs18 89 \tab \up0 \expndtw-2\charscalex100 Centrelink, \u8216?News for Seniors\u
8217?, Issue 84, 2011, p 11. \par\pard\ql \li1985\sb46\sl-216\slmult0 \up0 \expn
dtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.centrelink.gov.au/
internet/internet.nsf/filestores/rt010_1104/$file/rt010_1104en.pdf/" }}{\fldrslt
{\ul0\nosupersub\cf27\f28\fs18 http://www.centrelink.gov.au/internet/internet.n
sf/filestores/rt010_1104/$file/rt010_1104en.pdf}}} \par\pard\ql \li5855\sb0\sl-2
07\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207
\slmult0 \par\pard\ql\li5855\sb131\sl-207\slmult0 \up0 \expndtw-3\charscalex100
\ul0\nosupersub\cf6\f7\fs18 94
{\shp {\*\shpinst\shpleft1418\shptop13485\shpright4299\shpbottom13505\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz684\shplid0
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 2881}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(2881,20);(2881,0);(0,0);(0,20)}}
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8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g100}{\bkmkend Pg100}\par\pard\ql \li6488\sb0\sl-207\slmult0 \par\pard\ql\li6488
\sb0\sl-207\slmult0 \par\pard\ql\li6488\sb14\sl-207\slmult0 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 12: Reducing the under-insurance o
f homes \par\pard\qj \li1985\sb0\sl-260\slmult0 \par\pard\qj\li1985\ri1220\sb230
\sl-260\slmult0 \up0 \expndtw0\charscalex106 \ul0\nosupersub\cf4\f5\fs22 insured
value, usually expressed as a proportion of the sum insured. For example, some
\up0 \expndtw-3\charscalex100 insurers offer up to an additional 25 per cent. \p
ar\pard\ql \li1418\ri1209\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985\tx198
5\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex102 12.12.Although a \u8216?topup\u8217? can assist to reduce under-insurance, it does not represent a complete
\line\tab \up0 \expndtw0\charscalex100 solution to the problem. It generally on
ly applies following a natural disaster, rather than for \line\tab \up0 \expndtw
0\charscalex100 all events that can cause a total loss and is only intended to a
ddress inflation of building costs \line\tab \up0 \expndtw0\charscalex110 follow
ing a natural disaster, rather than underlying under-insurance. It is capped at
a \line\tab \up0 \expndtw0\charscalex100 percentage of the sum insured such that
, even with the top-up, the sum insured may remain \line\tab \up0 \expndtw0\char
scalex100 less than the replacement value. It could, perversely, also cause poli
cyholders to reduce their \line\tab \up0 \expndtw0\charscalex100 sum insured, so
as to lower their premium, knowing that a top-up to the sum insured will be \li
ne\tab \up0 \expndtw0\charscalex106 provided by the insurer in certain circumsta
nces. The restriction of the \u8216?top-up\u8217? cover to \line\tab \up0 \expnd
tw-2\charscalex100 natural disasters, however, is likely to avoid this possible
\u8216?arbitraging\u8217? of the sum insured. \par\pard\ql \li1418\sb0\sl-253\sl
mult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb40\sl-253\slm
ult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf9\f10\fs28 I\ul0\nosupersub
\cf10\f11\fs22 NSURERS\ul0\nosupersub\cf9\f10\fs28 \u8217?\ul0\nosupersub\cf10\f
11\fs22 PREFERENCE FOR SUM INSURED COVER OVER REPLACEMENT VALUE COVER \par\pard
\ql \li1418\sb0\sl-260\slmult0 \par\pard\ql\li1418\ri1218\sb2\sl-260\slmult0\tx1
985\tx1985\tx1985\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs
22 12.13.Under-insurance of homes is likely to remain a problem as long as sum i
nsured cover continues \line\tab \up0 \expndtw0\charscalex107 to be the type of
home insurance cover offered by most insurers. However, a switch to \line\tab \u
p0 \expndtw-1\charscalex100 replacement value cover would eliminate under-insura
nce. This is because replacement value \line\tab \up0 \expndtw-1\charscalex100 c
over does not specify a sum insured but instead commits the insurer to reinstate
the home in \line\tab \up0 \expndtw-2\charscalex100 the event of a total loss r
egardless of the cost of doing so. \par\pard\qj \li1418\ri1219\sb240\sl-260\slmu
lt0\tx1985 \up0 \expndtw0\charscalex100 12.14.Insurers nevertheless have a prefe
rence to offer sum insured cover rather than replacement \line\tab \up0 \expndtw
-2\charscalex100 value cover. There are a number of factors underpinning this pr
eference. \par\pard\ql \li1418\ri1207\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\
tx1985\tx1985 \up0 \expndtw-1\charscalex100 12.15.The key reason is that the sum
insured clearly specifies the insurer\u8217?s exposure in respect of an \line\t
ab \up0 \expndtw-1\charscalex100 individual home whilst at the same time also li
miting that exposure. The sum insured may also \line\tab \up0 \expndtw0\charscal
ex102 be used by the insurer in a number of other ways, for example, in premium
calculations, to \line\tab \up0 \expndtw0\charscalex102 understand the insurer\u
8217?s aggregate risk exposure and to identify reinsurance requirements. \line\t
ab \up0 \expndtw0\charscalex100 Identification of a sum insured amount also faci
litates cash settlement in the event of a loss. \line\tab \up0 \expndtw-2\charsc
alex100 For some insurers, their computer systems are designed around having a s
um insured. \par\pard\ql \li1418\ri1226\sb240\sl-260\slmult0\tx1985\tx1985\tx198
5 \up0 \expndtw0\charscalex106 12.16.Sum insured cover also places the responsib
ility for nominating the sum insured and for \line\tab \up0 \expndtw-2\charscale

x100 bearing the risk of under-estimating it squarely on the homeowner. The insu
rer, while perhaps \line\tab \up0 \expndtw0\charscalex102 trying to encourage a
higher or more suitable sum insured, nevertheless usually accepts no \line\tab \
up0 \expndtw-3\charscalex100 responsibility for its adequacy. \par\pard\ql \li14
18\ri1206\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985\tx1985\tx1985\tx1985\
tx1985 \up0 \expndtw0\charscalex100 12.17.In discussions with the Review Panel,
several insurers expressed their dissatisfaction with the \line\tab \up0 \expndt
w0\charscalex107 under-insurance phenomenon and the difficulties of breaki
ng the cycle of chronic \line\tab \up0 \expndtw-1\charscalex100 under-statem
ent of sums insured. They also referred to efforts they had made to improve the
\line\tab \up0 \expndtw0\charscalex100 adequacy of the sum insured as an estimat
e of the replacement value of the home, including \line\tab \up0 \expndtw-2\char
scalex100 \u8216?top-ups\u8217? and improving the calculators made available to
assist homeowners to estimate sums \line\tab \up0 \expndtw-2\charscalex100 insur
ed. None of the insurers that the Review Panel consulted considered that their e
fforts had \line\tab \up0 \expndtw0\charscalex106 been successful, particularly
knowing that the sum-insured \u8216?culture\u8217? including deliberate \line\ta
b \up0 \expndtw-2\charscalex100 under-insurance seems well entrenched among the
insuring community. Some of these efforts \line\tab \up0 \expndtw-3\charscalex10
0 have been substantial but the problem persists. \par\pard\ql \li1418\ri1236\sb
240\sl-260\slmult0\tx1985\tx1985 \up0 \expndtw0\charscalex102 12.18.Many home bu
ilding insurance policies used to include \u8216?averaging\u8217? or \u8216?co-i
nsurance\u8217? clauses \line\tab \up0 \expndtw0\charscalex100 which allowed an
insurer to reduce the benefits payable at claims stage in proportion to the \lin
e\tab \up0 \expndtw0\charscalex103 extent of under-insurance of the value
of the property. However, section \up0 \expndtw0\charscalex105 44 of the \
par\pard\qj \li1985\ri1239\sb0\sl-260\slmult0 \up0 \expndtw-2\charscalex100 \ul0
\nosupersub\cf19\f20\fs22 Insurance Contracts Act 1984\ul0\nosupersub\cf4\f5\fs2
2 limited the practice by requiring an insurer to \u8216?clearly inform\u8217?
the \line \up0 \expndtw-2\charscalex100 insured of the clause and specified that
an averaging clause was of no effect if the sum insured \line \up0 \expndtw-2\c
harscalex100 was at least 80 per cent of the value of the property. After the in
troduction of the Act \par\pard\ql \li5855\sb0\sl-207\slmult0 \par\pard\ql\li585
5\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\
sb0\sl-207\slmult0 \par\pard\ql\li5855\sb16\sl-207\slmult0 \up0 \expndtw-3\chars
calex100 \ul0\nosupersub\cf6\f7\fs18 95 \par\pard\sect\sectd\fs24\paperw11900\pa
perh16820\pard\sb0\sl-240{\bkmkstart Pg101}{\bkmkend Pg101}\par\pard\ql \li6488\
sb0\sl-207\slmult0 \par\pard\ql\li6488\sb0\sl-207\slmult0 \par\pard\ql\li6488\sb
14\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs18 Chap
ter 12: Reducing the under-insurance of homes \par\pard\qj \li1985\sb0\sl-260\sl
mult0 \par\pard\qj\li1985\ri1211\sb230\sl-260\slmult0 \up0 \expndtw0\charscalex1
06 \ul0\nosupersub\cf4\f5\fs22 averaging has largely disappeared with regard to
home building (and contents policies), \up0 \expndtw-2\charscalex100 although it
is still used in some small business and commercial policies. \par\pard\ql \li1
418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\li141
8\sb40\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf9\f10\fs28
I\ul0\nosupersub\cf10\f11\fs22 NSURERS\ul0\nosupersub\cf9\f10\fs28 \u8217?\ul0\
nosupersub\cf10\f11\fs22 CONCERNS WITH OFFERING REPLACEMENT VALUE COVER \par\pa
rd\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1213\sb2\sl-260\slmult0\t
x1985 \up0 \expndtw0\charscalex105 \ul0\nosupersub\cf4\f5\fs22 12.19.In contrast
to a sum insured policy, under replacement value cover the responsibility for \
line\tab \up0 \expndtw-3\charscalex100 adequacy of cover is borne by the insurer
rather than the homeowner. \par\pard\ql \li1418\ri1215\sb240\sl-260\slmult0\tx1
985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex102 12.20.There is uncertainty
for the insurer as to the maximum exposure under replacement value. \line\tab \
up0 \expndtw0\charscalex100 This uncertainty in respect of individual homes tran
slates into a broader uncertainty as to the \line\tab \up0 \expndtw0\charscalex1
00 aggregate exposure and it may prove difficult for insurers to quantify this e
xposure with any \line\tab \up0 \expndtw-1\charscalex100 degree of accuracy. Thi
s may also create difficulties for insurers in managing their reinsurance \line\

tab \up0 \expndtw-3\charscalex100 programmes, including satisfying reinsurers ab

out their exposures. \par\pard\ql \li1418\ri1228\sb240\sl-260\slmult0\tx1985\tx1
985\tx1985 \up0 \expndtw-2\charscalex100 12.21.The absence of a sum insured may
also cause difficulties in insurers\u8217? relationships with some of \line\tab
\up0 \expndtw0\charscalex107 their policyholders. Some homeowners are used to kn
owing their sum insured amount. \line\tab \up0 \expndtw0\charscalex100 Without i
t, there is also the potential for disputation over the amount of a cash settlem
ent in \line\tab \up0 \expndtw-3\charscalex100 the event of a total loss. \par\p
ard\ql \li1418\ri1224\sb240\sl-260\slmult0\tx1985\tx1985 \up0 \expndtw0\charscal
ex102 12.22.There are also administrative costs and quality control burdens on i
nsurers associated with \line\tab \up0 \expndtw0\charscalex105 being responsible
for rebuilding a home in the event of a total loss, as opposed to simply \line\
tab \up0 \expndtw-3\charscalex100 writing a cheque for the sum insured amount. \
par\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \p
ar\pard\ql\li1418\sb20\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosuper
sub\cf9\f10\fs28 T\ul0\nosupersub\cf10\f11\fs22 RANSITION TO REPLACEMENT VALUE C
OVER \par\pard\ql \li1418\sb0\sl-260\slmult0 \par\pard\ql\li1418\ri1228\sb2\sl-2
60\slmult0\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex105 \ul0\nosupersub\cf4
\f5\fs22 12.23.Notwithstanding insurers\u8217? preference for sum insured cover
and the problems they may \line\tab \up0 \expndtw-1\charscalex100 encounter in o
ffering replacement value cover, the problem of under-insurance appears to be \l
ine\tab \up0 \expndtw0\charscalex103 intractable and it is also contrary to the
interests of policyholders who suffer total losses in \line\tab \up0 \expndtw-3\
charscalex100 natural disasters or otherwise. \par\pard\ql \li1418\ri1217\sb240\
sl-260\slmult0\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex100 12.24.Neverthel
ess, replacement value cover is acknowledged by many in the insurance industry t
o \line\tab \up0 \expndtw-1\charscalex100 be superior for the homeowner to sum i
nsured cover. It eliminates under-insurance of homes \line\tab \up0 \expndtw0\ch
arscalex103 and is, therefore, significantly more effective for the reco
very of individuals and the \line\tab \up0 \expndtw-3\charscalex100 communit
y following a natural disaster that results in total losses. \par\pard\ql \li141
8\ri1211\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985\tx1985\tx1985\tx1985 \
up0 \expndtw0\charscalex100 12.25.Despite the potential attraction of eliminatin
g under-insurance, there does not appear to be \line\tab \up0 \expndtw0\charscal
ex110 any impetus from within the insurance industry to move to replacement valu
e cover. \line\tab \up0 \expndtw-2\charscalex100 Individual insurers who have co
ntemplated it are discouraged from making such a move, partly \line\tab \up0 \ex
pndtw0\charscalex102 by potentially adverse competitive consequences as a result
of the transition. To the extent \line\tab \up0 \expndtw0\charscalex100 that re
placement value cover exposes the insurers to greater uncertainty, they are loat
he to \line\tab \up0 \expndtw0\charscalex100 offer it when their competitors do
not. Insurers are effectively caught in the present system, \line\tab \up0 \expn
dtw0\charscalex103 which is perpetuating the chromic problem of under-insurance.
Were all insurers to switch \line\tab \up0 \expndtw-2\charscalex100 simultaneou
sly, however, adverse competitive consequences would be avoided. \par\pard\ql \l
i1418\ri1225\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expnd
tw-1\charscalex100 12.26.For these reasons, a transition to replacement value co
ver, with its acknowledged benefits for \line\tab \up0 \expndtw0\charscalex100 p
olicyholders, is unlikely to emanate spontaneously from the insurance industry.
The Review \line\tab \up0 \expndtw-1\charscalex100 Panel also understands that a
range of internal changes would need to be made by insurers as \line\tab \up0 \
expndtw0\charscalex103 part of a move to replacement value cover. A move to repl
acement value cover is not, as a \line\tab \up0 \expndtw0\charscalex109 result,
something that insurers could adopt quickly. However, given time to make the \li
ne\tab \up0 \expndtw-3\charscalex100 transition, they would be able to do so. \p
ar\pard\ql \li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \pa
r\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\
pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb69\sl-207\slmult0 \up0 \
expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs18 96 \par\pard\sect\sectd\fs24
\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg102}{\bkmkend Pg102}\par\p

ard\ql \li6488\sb0\sl-207\slmult0 \par\pard\ql\li6488\sb0\sl-207\slmult0 \par\pa

rd\ql\li6488\sb14\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\c
f1\f2\fs18 Chapter 12: Reducing the under-insurance of homes \par\pard\ql \li141
8\sb0\sl-260\slmult0 \par\pard\ql\li1418\ri1208\sb230\sl-260\slmult0\tx1985\tx19
85\tx1985\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex100 \ul0\n
osupersub\cf4\f5\fs22 12.27.The Review Panel has concluded that the overall bene
fits of all insurers offering replacement \line\tab \up0 \expndtw0\charscalex106
cover justify the transition. The Review Panel therefore recommends that the \u
l0\nosupersub\cf19\f20\fs22 Insurance \line\tab \up0 \expndtw-1\charscalex100 Co
ntracts Act 1984\ul0\nosupersub\cf4\f5\fs22 be amended to require insurers to o
ffer replacement value cover for home \line\tab \up0 \expndtw0\charscalex100 bui
ldings without the choice to opt-out but that a reasonable transition period sho
uld apply. \line\tab \up0 \expndtw-2\charscalex100 Such a period, which should n
ot be less than three years, would give insurers an opportunity to \line\tab \up
0 \expndtw0\charscalex100 undertake necessary changes such as developing a capab
ility to estimate replacement value \line\tab \up0 \expndtw0\charscalex100 for i
ndividual homes, reworking pricing systems as needed, making appropriate reinsur
ance \line\tab \up0 \expndtw-1\charscalex100 arrangements, revising insurance po
licies and product disclosure statements and training both \line\tab \up0 \expnd
tw-2\charscalex100 sales staff and claims staff. \par\pard\ql \li1418\sb0\sl-253
\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb40\sl-253\
slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf10\f11\fs22 REPLACEMENT
VALUE COVER AND CASH SETTLEMENTS \par\pard\ql \li1418\sb0\sl-260\slmult0 \par\pa
rd\ql\li1418\ri1224\sb2\sl-260\slmult0\tx1985\tx1985 \up0 \expndtw0\charscalex10
4 \ul0\nosupersub\cf4\f5\fs22 12.28.The Review Panel recommends that as part of
this transition to replacement value cover, \line\tab \up0 \expndtw0\charscalex1
00 insurers address a number of issues to ensure that replacement value cover me
ets the needs \line\tab \up0 \expndtw-3\charscalex100 of homeowners following a
natural disaster. \par\pard\ql \li1418\ri1226\sb240\sl-260\slmult0\tx1985\tx1985
\tx1985 \up0 \expndtw0\charscalex100 12.29.Cash settlements can facilitate a qui
ck resolution of a claim and allow the homeowner more \line\tab \up0 \expndtw0\c
harscalex100 quickly to repair or rebuild their home. Some homeowners may choose
this option given the \line\tab \up0 \expndtw-1\charscalex100 delays that follo
w a natural disaster when there can be a very large number of properties that \l
ine\tab \up0 \expndtw-3\charscalex100 require rebuilding or repair. \par\pard\ql
\li1418\ri1221\sb240\sl-260\slmult0\tx1985\tx1985\tx1985 \up0 \expndtw0\charsca
lex102 12.30.A cash settlement can also allow a homeowner to relocate following
a natural disaster. This \line\tab \up0 \expndtw0\charscalex100 can be an import
ant part of mitigation and reduce the number of dwellings located in at-risk \li
ne\tab \up0 \expndtw-1\charscalex100 locations. Finally, cash settlements give h
omeowners the option of selecting their own builder \line\tab \up0 \expndtw-3\ch
arscalex100 and/or rebuilding their home to a different design. \par\pard\ql \li
1418\ri1215\sb240\sl-260\slmult0\tx1985\tx1985\tx1985 \up0 \expndtw-1\charscalex
100 12.31.Currently however, replacement value policies only give an insurer the
discretion to offer cash \line\tab \up0 \expndtw0\charscalex103 settlements and
a cash settlement can be imposed upon a policyholder. Whilst the Review \line\t
ab \up0 \expndtw0\charscalex110 Panel is of the view that cash settlements can e
nhance replacement value cover, it is \line\tab \up0 \expndtw-2\charscalex100 im
portant that they be provided with the full consent of the policyholder. \par\pa
rd\ql \li1418\ri1217\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985\tx1985 \up
0 \expndtw-1\charscalex100 12.32.The Review Panel therefore recommends that the
design of home building replacement value \line\tab \up0 \expndtw-2\charscalex10
0 cover include that policyholders be able to apply for cash settlements followi
ng a total loss but \line\tab \up0 \expndtw0\charscalex100 that any cash settlem
ent be by agreement. It would be advantageous if insurers were able to \line\tab
\up0 \expndtw-1\charscalex100 advise policyholders of the estimated replacement
value of the home at the time the policy is \line\tab \up0 \expndtw0\charscalex
104 purchased and renewed. This would give both parties greater certainty when c
onsidering \line\tab \up0 \expndtw-2\charscalex100 whether to initiate or accept
a cash settlement in the event of a total loss. \par\pard\qj \li1418\ri1208\sb2

40\sl-260\slmult0\tx1985 \up0 \expndtw0\charscalex104 12.33.Further, it is impor

tant that a decision by a policyholder to rebuild at a new location or to \line\
tab \up0 \expndtw-2\charscalex100 rebuild incorporating mitigation measures shou
ld not automatically trigger a cash settlement. \par\pard\qj \li1418\ri1221\sb24
0\sl-260\slmult0\tx1985 \up0 \expndtw0\charscalex100 12.34.Policyholders should
be able to apply for cash settlements under replacement value policies \line\tab
\up0 \expndtw-3\charscalex100 following a total loss, but any cash settlement m
ust be by agreement. \par\pard\ql \li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855
\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\s
b0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0
\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\s
l-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-20
7\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\
slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb79\sl-207\s
lmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs18 97 \par\pard\se
ct\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg103}{\bkmkend
Pg103}\par\pard\ql \li6488\sb0\sl-207\slmult0 \par\pard\ql\li6488\sb0\sl-207\sl
mult0 \par\pard\ql\li6488\sb14\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0
\nosupersub\cf1\f2\fs18 Chapter 12: Reducing the under-insurance of homes \par\p
ard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pa
rd\ql\li1526\sb129\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\
cf44\f45\fs22 Recommendation 32: \par\pard\qj \li1526\ri1320\sb242\sl-260\slmult
0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That all home buildin
g insurance policies providing sum insured cover be modified by the end of \up0
\expndtw-2\charscalex100 2014 so as to include replacement value cover in the ev
ent of total loss of the home. \par\pard\qj \li1526\ri1321\sb240\sl-260\slmult0
\up0 \expndtw0\charscalex105 That during the transition period insurers consider
how the design features of home building \up0 \expndtw0\charscalex100 replaceme
nt value policies should respond following a natural disaster, including the con
ditions \up0 \expndtw-3\charscalex100 under which cash settlements are to be off
ered and finalised. \par\pard\ql \li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\
sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb
0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\
sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl
-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-2
07\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207
\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\s
lmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slm
ult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmul
t0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0
\par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \
par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \pa
r\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\
pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pa
rd\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard
\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\q
l\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\
li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li
5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li58
55\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855
\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\s
b0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0
\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\s
l-207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl207\slmult0 \par\pard\ql\li5855\sb0\sl-207\slmult0 \par\pard\ql\li5855\sb0\sl-20
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{\shp {\*\shpinst\shpleft1526\shptop3298\shpright10385\shpbottom3680\shpfhdr0\sh
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g104}{\bkmkend Pg104}\par\pard\ql \li1418\sb0\sl-414\slmult0 \par\pard\ql\li1418
\sb0\sl-414\slmult0 \par\pard\ql\li1418\sb0\sl-414\slmult0 \par\pard\ql\li1418\s
b275\sl-414\slmult0 \up0 \expndtw0\charscalex98 \ul0\nosupersub\cf23\f24\fs36 Ch
apter 13.\ul0\nosupersub\cf24\f25\fs36 \ul0\nosupersub\cf23\f24\fs36 Consumer
awareness \par\pard\ql \li1418\sb0\sl-260\slmult0 \par\pard\ql\li1418\sb0\sl-260
\slmult0 \par\pard\ql\li1418\ri1228\sb54\sl-260\slmult0\tx1985\tx1985 \up0 \expn
dtw0\charscalex104 \ul0\nosupersub\cf4\f5\fs22 13.1.\ul0\nosupersub\cf11\f12\fs2
2 \ul0\nosupersub\cf4\f5\fs22 Including flood cover in home, contents and home
unit policies will address the issue that \line\tab \up0 \expndtw-2\charscalex10
0 arose during the recent floods of policyholders not being aware of whether the
y had insurance \line\tab \up0 \expndtw-3\charscalex100 cover for flood and/or s
torm. \par\pard\qj \li1418\ri1234\sb240\sl-260\slmult0\tx1985 \up0 \expndtw0\cha
rscalex107 13.2.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Howev
er, this change will take some time and consumer awareness of other aspects of \
line\tab \up0 \expndtw-3\charscalex100 insurance policies is also poor. \par\par
d\ql \li1418\ri1205\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985\tx1985 \up0
\expndtw0\charscalex100 13.3.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4
\f5\fs22 Insurance is a complex product with terms and conditions set out in len
gthy policy documents \line\tab \up0 \expndtw0\charscalex100 and Product Disclos
ure Statements (PDS), which many consumers either don\u8217?t read or don\u8217?
t \line\tab \up0 \expndtw0\charscalex104 understand. Further, the move towards m
ore direct sales of general insurance policies by \line\tab \up0 \expndtw-2\char

scalex100 telephone under a no advice model means that consumers may not have ac
cess to information \line\tab \up0 \expndtw0\charscalex105 and documentation in
a form they can readily understand before entering into a general \line\tab \up0
\expndtw-3\charscalex100 insurance contract. \par\pard\ql \li1418\ri1213\sb240\
sl-260\slmult0\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex102 13.4.\ul0\nosup
ersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The Review Panel is concerned t
hat the combination of the complexity of insurance policies \line\tab \up0 \expn
dtw0\charscalex102 and PDS and standard cover under section 35 of the \ul0\nosup
ersub\cf19\f20\fs22 Insurance Contracts Act 1984\ul0\nosupersub\cf4\f5\fs22 (th
e Act) \line\tab \up0 \expndtw0\charscalex102 does not accord with consumer beha
viour and has not met consumer expectations and the \line\tab \up0 \expndtw-3\ch
arscalex100 need for relevant and understandable information and documentation.
\par\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \
par\pard\ql\li1418\sb20\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupe
rsub\cf9\f10\fs28 C\ul0\nosupersub\cf10\f11\fs22 ONSUMER UNDERSTANDING OF POLICY
TERMS AND CONDITIONS \par\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li141
8\sb14\sl-253\slmult0\tx1985 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f
5\fs22 13.5. \tab \up0 \expndtw0\charscalex103 From a community perspective,
consumer confidence in and understanding of general \par\pard\qj \li1985\ri
1235\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex100 insurance is vital especial
ly as insurance plays a key role in protecting their assets. However, \line \up0
\expndtw0\charscalex100 there is ample evidence, as discussed in the Parliament
ary Joint Committee on Corporations \line \up0 \expndtw0\charscalex104 and Finan
cial Services Inquiry into\ul0\nosupersub\cf46\f47\fs19 \ul0\nosupersub\cf47\f4
8\fs23 Financial Products and Services in Australia\ul0\super\cf48\f49\fs22 90\u
l0\nosupersub\cf4\f5\fs22 and the \line \up0 \expndtw0\charscalex106 Future of
Financial Advice\ul0\super\cf26\f27\fs20 91 \up0 \expndtw0\charscalex102 \ul0\no
supersub\cf4\f5\fs22 (FoFA) reforms, that the disclosure regime with extens
ive \par\pard\ql \li1985\sb6\sl-253\slmult0 \up0 \expndtw-3\charscalex100 docume
ntation has failed consumers. \par\pard\ql \li1418\sb247\sl-253\slmult0\tx1985 \
up0 \expndtw-3\charscalex100 13.6. \tab \up0 \expndtw0\charscalex102 General in
surance documents consist of written policies and schedules which may b
e \par\pard\qj \li1985\ri1210\sb2\sl-260\slmult0 \up0 \expndtw-2\charscalex100 a
nywhere between 20 to 80 pages in length. They are \u8216?summarised\u8217? in a
PDS which may be of a \up0 \expndtw0\charscalex103 similar length. The terms an
d conditions of the product are set out in the documents. They \up0 \expndtw-2\c
harscalex100 include details of who is insured, the insured events, exclusions a
nd limitations of cover, claims \up0 \expndtw0\charscalex100 and complaints proc
esses, the duty of disclosure, general policy conditions (such as renewals, \up0
\expndtw0\charscalex100 cancelations and payments), general duties of the parti
es and a glossary. The documents are \up0 \expndtw0\charscalex100 often generic
in that they include a range of bundled insurance products, only some of which \
up0 \expndtw-3\charscalex100 may be applicable to the insured. \par\pard\ql \li1
418\sb246\sl-253\slmult0\tx1985 \up0 \expndtw-3\charscalex100 13.7. \tab \up0 \e
xpndtw0\charscalex104 Once the policy has been purchased, the consumer will usua
lly receive a confirming letter \par\pard\qj \li1985\ri1226\sb2\sl-260\slmult0 \
up0 \expndtw0\charscalex100 together with the schedule to the policy which sets
out particulars relevant to the purchaser \up0 \expndtw0\charscalex103 and the g
eneral policy or PDS. If the policy is purchased by telephone, this is often the
first \up0 \expndtw0\charscalex108 time the purchaser will have the opportunity
to see all the terms and conditions of the \up0 \expndtw0\charscalex105 policy
\u8212? although general insurance policies do include a cooling off perio
d in which \up0 \expndtw-3\charscalex100 purchasers may cancel the policy. \pa
r\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb151\sl-207\slmult0\fi0\tx1985
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 90\tab \up0 \expndt
w-1\charscalex100 Parliamentary Joint Committee on Corporations and Financial Se
rvices: Inquiry into financial products and services\par\pard\li1418\sb13\sl-207
\slmult0\fi566 \up0 \expndtw-1\charscalex100 in Australia, November 2009 {\field
{\*\fldinst {HYPERLINK "http://www.aph.gov.au/senate/committee/corporations_ctte
/fps/report/report.pdf/" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://www.a

ph.gov.au/senate/committee/corporations_ctte/fps/report/report.pdf}}}\par\pard\l
i1418\sb50\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf27\f28\fs18 91\tab \up0 \expndtw-2\charscalex100 Future of Financial Advice
Information Pack, April 2011\par\pard\ql \li1985\sb42\sl-207\slmult0 \up0 \expn
dtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http://ministers.treasury.gov
.au/ministers/brs/content/pressreleases/2011/attachments/064/064.pdf/" }}{\fldrs
lt {\ul0\nosupersub\cf27\f28\fs18 http://ministers.treasury.gov.au/Ministers/brs
/Content/pressreleases/2011/attachments/064/064.pdf}}} \par\pard\ql \li5855\sb0\
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l-207\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs18 99
{\shp {\*\shpinst\shpleft1418\shptop14325\shpright4299\shpbottom14345\shpfhdr0\s
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g105}{\bkmkend Pg105}\par\pard\ql \li7907\sb0\sl-207\slmult0 \par\pard\ql\li7907
\sb0\sl-207\slmult0 \par\pard\ql\li7907\sb14\sl-207\slmult0 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 13: Consumer awareness \par\pard\q
l \li1418\sb0\sl-260\slmult0 \par\pard\ql\li1418\ri1233\sb230\sl-260\slmult0\tx1
985\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex105 \ul0\nosupersub\cf4
\f5\fs22 13.8.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Until t
he early 1990s most residential insurance policies were purchased through agents
, \line\tab \up0 \expndtw0\charscalex107 brokers or branches. However, from the
1990s there has been a dramatic shift towards \line\tab \up0 \expndtw0\charscale
x105 telephone sales and more recently internet sales. The majority of home insu
rance is now \line\tab \up0 \expndtw0\charscalex104 purchased directly and te
lephone sales is the preferred model.\ul0\super\cf26\f27\fs20 95\ul0\nosupe
rsub\cf4\f5\fs22 A recent survey of \line\tab \up0 \expndtw0\charscalex100
policyholders who made flood claims found that over 60 per cent had taken out th
eir policies \line\tab \up0 \expndtw-3\charscalex100 by telephone.\ul0\super\cf2
6\f27\fs20 96 \par\pard\ql \li1418\ri1217\sb240\sl-260\slmult0\tx1985\tx1985\tx1
985\tx1985\tx1985 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf4\f5\fs22 13.9.
\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 Direct sales are done
on a \u8216?no advice\u8217? model, in which consumers are not informed as to t
he \line\tab \up0 \expndtw-2\charscalex100 suitability of the coverage for their
specific needs and circumstances. Telephone sales, and to a \line\tab \up0 \exp
ndtw0\charscalex100 lesser extent internet sales, are not well suited to complex
insurance products with multiple \line\tab \up0 \expndtw0\charscalex109 coverag
e options. As one insurer\u8217?s submission to the Review stated when referring
to \line\tab \up0 \expndtw0\charscalex106 telephone sales, \u8216?customers are
already suffering information overload and are likely to \line\tab \up0 \expndt
w-3\charscalex100 \u8220?tune out\u8221? if faced with long-winded oral scripts\
u8217?.\ul0\super\cf26\f27\fs20 97 \par\pard\ql \li1418\ri1213\sb240\sl-260\slmu
lt0\tx1985\tx1985\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex10
0 \ul0\nosupersub\cf4\f5\fs22 13.10.Motor vehicle insurance is a relatively stra
ightforward product. The value of a motor vehicle, \line\tab \up0 \expndtw-1\cha
rscalex100 no claim bonuses, nominated drivers and choice of excess are well und
erstood concepts. Price \line\tab \up0 \expndtw0\charscalex100 is a key driver,
the coverage is similar between companies and the policy documents tend to \line
\tab \up0 \expndtw0\charscalex100 be standard. In contrast, home insurance is co
mplex and the cover can vary widely between \line\tab \up0 \expndtw-2\charscalex
100 insurers \u8212? no better illustrated than with storm/flood cover. The task
of informing a consumer \line\tab \up0 \expndtw0\charscalex100 about the terms

and conditions of a home insurance policy can be challenging when sold by \line\
tab \up0 \expndtw0\charscalex105 telephone with a subsequent PDS or policy. Evid
ence presented to the Review is that the \line\tab \up0 \expndtw-3\charscalex100
communication process is very problematic. \par\pard\qj \li1418\ri1236\sb240\sl
-260\slmult0\tx1985 \up0 \expndtw0\charscalex103 13.11.Consumers rely heavily on
what is explained to them on the telephone. A recent survey of \line\tab \up0 \
expndtw0\charscalex103 126 policyholders assisted by the Caxton Legal Service af
ter the 2011 floods showed that \par\pard\qj \li1985\ri1225\sb0\sl-260\slmult0 \
up0 \expndtw-2\charscalex100 32 per cent had only briefly read the policy docume
nts because they had relied upon what was \up0 \expndtw-3\charscalex100 said to
be important by the telephone sales staff. \par\pard\ql \li1418\ri1208\sb240\sl260\slmult0\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex104 13.1
2.However, there have been many instances reported to the Review of policyholder
s being \line\tab \up0 \expndtw0\charscalex100 misinformed or misunderstanding h
ome insurance policy details, with significant differences \line\tab \up0 \expnd
tw0\charscalex100 between what they believed they were covered for following the
purchase of insurance over \line\tab \up0 \expndtw0\charscalex100 the telephone
and the actual policy wording as set out in the PDS. For example, the Financial
\line\tab \up0 \expndtw-2\charscalex100 Ombudsman Service (FOS) has determined
a claim in favour of a policyholder where they were \line\tab \up0 \expndtw-2\ch
arscalex100 told over the phone that their policy covered flood but the PDS in f
act excluded flood cover. \par\pard\ql \li1418\ri1216\sb240\sl-260\slmult0\tx198
5\tx1985\tx1985\tx1985 \up0 \expndtw-2\charscalex100 13.13.The oral misrepresent
ations or misunderstandings in telephone sales are often not rectified by \line\
tab \up0 \expndtw0\charscalex100 the written documents. Indeed, some policyholde
rs allege that they have never received the \line\tab \up0 \expndtw-1\charscalex
100 policy documents. A survey of 214 policyholders flooded in 2010-2011 indicat
ed that only one \line\tab \up0 \expndtw-1\charscalex100 policyholder had been s
ent a PDS prior to taking out the policy, 87 had received it after paying \line\
tab \up0 \expndtw-3\charscalex100 for the policy, and 54 reported that they did
not receive it at all.\ul0\super\cf26\f27\fs20 92 \par\pard\ql \li1418\ri1214\sb
240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf4\f5\fs22 13.14.Regarding those consumers who did receive
their policy documents, evidence to the Review is \line\tab \up0 \expndtw0\chars
calex106 that many policyholders do not read their policies thoroughly or at all
, finding them too \line\tab \up0 \expndtw0\charscalex111 lengthy and difficult
to read. A survey of policyholders who were assisted by various \line\tab \up0 \
expndtw0\charscalex102 independent legal services in Queensland in 2011 found th
at around half did not read their \line\tab \up0 \expndtw0\charscalex109 policy
(or PDS) prior to having to make a claim and 37 per cent did read the policy but
\line\tab \up0 \expndtw-2\charscalex100 misunderstood important exclusions and
limitations, such as flood cover.\ul0\super\cf26\f27\fs20 93 \par\pard\ql \li141
8\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\
sb0\sl-207\slmult0 \par\pard\ql\li1418\sb43\sl-207\slmult0\tx1985 \up0 \expndtw2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 92 \tab \up0 \expndtw-1\charscalex
100 Insurance Law Service Submission to the House of Representatives Inquiry int
o the insurance industry during \par\pard\ql \li1985\sb53\sl-207\slmult0 \up0 \e
xpndtw-1\charscalex100 disaster events, Appendix 1. {\field{\*\fldinst {HYPERLIN
K "http://www.aph.gov.au/house/committee/spla/insurance/submissions.htm" }}{\fld
rslt {\ul0\nosupersub\cf27\f28\fs18 http://www.aph.gov.au/house/committee/spla/i
nsurance/submissions.htm}}} \par\pard\ql \li1418\sb53\sl-207\slmult0\tx1985 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 93 \tab \up0 \expndtw-1\
charscalex100 Insurance Law Service Submission to the House of Representatives I
nquiry into the insurance industry during \par\pard\qj \li1985\ri2114\sb10\sl-26
0\slmult0 \up0 \expndtw-1\charscalex100 disaster events, Appendix 1. {\field{\*\
fldinst {HYPERLINK "http://www.aph.gov.au/house/committee/spla/insurance/submiss
ions.htm" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://www.aph.gov.au/house
/committee/spla/insurance/submissions.htm}}} \line \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf27\f28\fs18 Submission no.54 \par\pard\ql \li5804\sb0\sl-207\
slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb90\sl-207\s

lmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf6\f7\fs18 100

{\shp {\*\shpinst\shpleft1418\shptop13985\shpright4299\shpbottom14005\shpfhdr0\s
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 2881}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(2881,20);(2881,0);(0,0);(0,20)}}
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g106}{\bkmkend Pg106}\par\pard\ql \li7907\sb0\sl-207\slmult0 \par\pard\ql\li7907
\sb0\sl-207\slmult0 \par\pard\ql\li7907\sb14\sl-207\slmult0 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 13: Consumer awareness \par\pard\q
l \li1418\sb0\sl-260\slmult0 \par\pard\ql\li1418\ri1237\sb230\sl-260\slmult0\tx1
985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex103 \ul0\nosupersub\cf4\f5\fs2
2 13.15.Having read many insurance policies and PDS and having received many sub
missions from \line\tab \up0 \expndtw0\charscalex104 policyholders and consumer
representatives, it is clear to the Review Panel that there are \line\tab \up0 \
expndtw0\charscalex100 substantial problems with consumer understanding of insur
ance policy terms and conditions, \line\tab \up0 \expndtw0\charscalex105 particu
larly with more complex insurance policies such as home, contents and home unit
\line\tab \up0 \expndtw-3\charscalex100 policies. \par\pard\ql \li1418\sb0\sl-26
4\slmult0 \par\pard\ql\li1418\sb0\sl-264\slmult0 \par\pard\ql\li1418\sb9\sl-264\
slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf9\f10\fs28 T\ul0\nosuper
sub\cf10\f11\fs22 HE \ul0\nosupersub\cf49\f50\fs28 I\ul0\nosupersub\cf50\f51\fs2
2 NSURANCE \ul0\nosupersub\cf49\f50\fs28 C\ul0\nosupersub\cf50\f51\fs22 ONTRACTS
\ul0\nosupersub\cf49\f50\fs28 A\ul0\nosupersub\cf50\f51\fs22 CT \ul0\nosupersub
\cf49\f50\fs28 1984\ul0\nosupersub\cf10\f11\fs22 AND \ul0\nosupersub\cf9\f10\fs
28 S\ul0\nosupersub\cf10\f11\fs22 TANDARD \ul0\nosupersub\cf9\f10\fs28 C\ul0\nos
upersub\cf10\f11\fs22 OVER \par\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\
li1418\sb13\sl-253\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\
fs22 13.16.Certain laws prescribe minimum standards on insurers in communicating
with their clients. \par\pard\qj \li1418\ri1219\sb242\sl-260\slmult0\tx1985 \up
0 \expndtw-2\charscalex100 13.17.The \ul0\nosupersub\cf19\f20\fs22 Corporations
Act 2001\ul0\nosupersub\cf4\f5\fs22 requires that the terms and conditions of a
general insurance policy \line\tab \up0 \expndtw-3\charscalex100 must be presen
ted in a \u8216?clear, concise and effective manner\u8217?.\ul0\super\cf26\f27\f
s20 94 \par\pard\ql \li1418\ri1236\sb240\sl-260\slmult0\tx1985\tx1985 \up0 \expn
dtw0\charscalex102 \ul0\nosupersub\cf4\f5\fs22 13.18.The \ul0\nosupersub\cf19\f2
0\fs22 Insurance Contracts Act 1984\ul0\nosupersub\cf4\f5\fs22 (the Act) introd
uced a statutory framework for insurance \line\tab \up0 \expndtw-1\charscalex100
contracts and imposes a number of statutory obligations on insurers to inform c
lients of policy \line\tab \up0 \expndtw-2\charscalex100 details. \par\pard\ql \
li1418\ri1217\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expn
dtw0\charscalex102 13.19.The most important of these is section 35 of the Act, p
ursuant to which insurers must offer \line\tab \up0 \expndtw0\charscalex104 cons
umers \u8216?standard cover\u8217? for general insurance policies prescribed und
er \ul0\nosupersub\cf19\f20\fs22 the Insurance \line\tab \up0 \expndtw0\charscal
ex104 Contracts Regulations 1985\ul0\nosupersub\cf4\f5\fs22 (the Regulations).
Divisions 2 and 3 of the Regulations set out \line\tab \up0 \expndtw0\charscalex
102 prescribed events which are included under standard cover. Essentially all n
atural disasters, \line\tab \up0 \expndtw0\charscalex108 including flood, are re
quired to be included as \u8216?standard cover\u8217?. Also to be included as \l
ine\tab \up0 \expndtw-3\charscalex100 \u8216?standard cover\u8217? are policies
that provide replacement cover. \par\pard\ql \li1418\sb246\sl-253\slmult0 \up0 \
expndtw-2\charscalex100 13.20. The requirement for \u8216?standard cover\u8217?
applies to home building and contents policies. \par\pard\ql \li1418\sb247\sl-25

3\slmult0 \up0 \expndtw-2\charscalex100 13.21.Insurers wishing to limit or exclu

de standard cover can only do so if: \par\pard\qj \li1985\ri1237\sb242\sl-260\sl
mult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf19\f20\fs22 \u8216?the ins
urer proves that, before the contract was entered into, the insurer \ul0\nosuper
sub\cf38\f39\fs22 clearly informed the \line \up0 \expndtw0\charscalex107 insure
d in writing \up0 \expndtw0\charscalex106 \ul0\nosupersub\cf19\f20\fs22 (whether
by providing the insured with a document containing the \par\pard\qj \li1985
\ri1220\sb0\sl-260\slmult0 \up0 \expndtw0\charscalex103 provisions, or the relev
ant provisions, of the proposed contract or otherwise) or the insured \up0 \expn
dtw-2\charscalex100 knew, or a reasonable person in the circumstances could be e
xpected to have known ... that the \up0 \expndtw0\charscalex110 contract would n
ot provide insurance cover in respect of the happening of that event\u8217? \up0
\expndtw-3\charscalex100 (emphasis added) \u8212? section 35(2), Insurance Cont
racts Act 1984. \par\pard\ql \li1418\ri1223\sb240\sl-260\slmult0\tx1985\tx1985\t
x1985\tx1985\tx1985\tx1985 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\
fs22 13.22.The provision of the insurance policy or a PDS will satisfy the oblig
ations to \u8216?clearly inform\u8217? the \line\tab \up0 \expndtw0\charscalex10
2 policyholder if the wording of the limitation or exclusion can be proven by th
e insurer to be \line\tab \up0 \expndtw-2\charscalex100 understood by a \u8216?r
easonable person in the circumstances\u8217?. This was confirmed in Hams vs CGU
\line\tab \up0 \expndtw0\charscalex109 Insurance Ltd (2002)\ul0\super\cf26\f27\f
s20 95\ul0\nosupersub\cf4\f5\fs22 in which the Supreme Court of NSW determined
that the flood \line\tab \up0 \expndtw-2\charscalex100 exclusion in that case wa
s sufficient to clearly inform the policyholders that their policy did not \line
\tab \up0 \expndtw0\charscalex100 include cover for flood damage. It is notewort
hy that the flood exclusion was to be found on \line\tab \up0 \expndtw-3\charsca
lex100 one page of a forty plus page document. \par\pard\ql \li1418\ri1215\sb240
\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\charsca
lex104 13.23.The Act thereby purports to ensure that when terms and conditions a
policyholder would \line\tab \up0 \expndtw-2\charscalex100 usually expect to fi
nd in a policy are excluded, they are brought to the policyholder\u8217?s attent
ion. \line\tab \up0 \expndtw-1\charscalex100 However, the law as it stands does
not reflect the reality of consumer behaviour which, as has \line\tab \up0 \expn
dtw0\charscalex100 been noted earlier in this Chapter, is that policyholders do
not read insurance policies or PDS \line\tab \up0 \expndtw0\charscalex100 in det
ail. Accordingly, all too often consumers will simply not be sufficiently \u8216
?clearly informed\u8217? \line\tab \up0 \expndtw-1\charscalex100 of deviations f
rom standard cover by the provision of a PDS. This is no better reflected than i
n \line\tab \up0 \expndtw-3\charscalex100 confusion about whether policies inclu
de or exclude flood cover. \par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\s
b0\sl-207\slmult0\par\pard\li1418\sb21\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf27\f28\fs18 94\tab \up0 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf40\f41\fs18 Corporations Act 2001\ul0\nosupersub\cf27\f28\fs
18 , Section 715A.\par\pard\li1418\sb55\sl-207\slmult0\fi0\tx1985 \up0 \expndtw2\charscalex100 95\tab \up0 \expndtw-2\charscalex100 Hams v CGU Insurance Ltd, [
2002] NSWSC 273 per Einstein J.\par\pard\ql \li5804\sb0\sl-207\slmult0 \par\pard
\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb86\sl-207\slmult0 \up0 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf6\f7\fs18 101
{\shp {\*\shpinst\shpleft1418\shptop14765\shpright4299\shpbottom14785\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz806\shplid0
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 2881}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(2881,20);(2881,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P

g107}{\bkmkend Pg107}\par\pard\ql \li7907\sb0\sl-207\slmult0 \par\pard\ql\li7907

\sb0\sl-207\slmult0 \par\pard\ql\li7907\sb14\sl-207\slmult0 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 13: Consumer awareness \par\pard\q
l \li1418\sb0\sl-260\slmult0 \par\pard\ql\li1418\ri1224\sb230\sl-260\slmult0\tx1
985\tx1985 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 13.24.It is
the Review Panel\u8217?s view that subsection 35(2) of the Act needs to be amend
ed to reflect \line\tab \up0 \expndtw0\charscalex103 current consumer behaviour
so as to give practical effect to the notion of clearly informing \line\tab \up0
\expndtw-3\charscalex100 consumers of deviations from standard cover. \par\pard
\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb113\sl-253\slmult0 \up0 \ex
pndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recommendation 33: \par\pard
\qj \li1526\ri1322\sb242\sl-260\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupe
rsub\cf4\f5\fs22 That subsection 35(2) of the \ul0\nosupersub\cf19\f20\fs22 Insu
rance Contracts Act 1984 \ul0\nosupersub\cf4\f5\fs22 be amended so that policyho
lders are \up0 \expndtw-2\charscalex100 not deemed to be clearly informed of a d
eviation from \u8216?standard cover\u8217? by simply being provided a \up0 \expn
dtw-3\charscalex100 copy of the insurance policy or product disclosure statement
. \par\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0
\par\pard\ql\li1418\sb180\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nos
upersub\cf9\f10\fs28 A\ul0\nosupersub\cf10\f11\fs22 DVICE TO CONSUMERS AT TIME O
F PURCHASE \par\pard\ql \li1418\sb0\sl-260\slmult0 \par\pard\ql\li1418\ri1219\sb
2\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex100 \ul0\n
osupersub\cf4\f5\fs22 13.25.There are two forms of financial advice which financ
ial service providers are able to provide: \line\tab \up0 \expndtw0\charscalex10
8 general and personal advice. General advice only gives guidance on the feature
s of the \line\tab \up0 \expndtw0\charscalex103 financial product being consi
dered, while personal advice relates the product to the \line\tab \up0 \
expndtw0\charscalex107 consumer\u8217?s specific circumstances. The general insu
rance industry does not, in general, \line\tab \up0 \expndtw-3\charscalex100 pro
vide personal advice to their customers at the point of sale. \par\pard\ql \li14
18\ri1216\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0
\charscalex103 13.26.Insurers have argued that the increased compliance obligati
ons and other costs associated \line\tab \up0 \expndtw0\charscalex100 with the p
rovision of personal advice make it difficult for insurers offering direct sale
policies \line\tab \up0 \expndtw0\charscalex106 to provide cost effective person
al advice. They cite barriers to providing advice as being \line\tab \up0 \expnd
tw0\charscalex103 onerous training obligations for sales staff, additional
compliance documentation and \line\tab \up0 \expndtw0\charscalex100 obligati
ons, potential liability and confusion around insurer obligations when
providing \line\tab \up0 \expndtw-3\charscalex100 advice.\ul0\super\cf26\f27\fs2
0 96\ul0\nosupersub\cf4\f5\fs22 Potential liability is one of the biggest conce
rns. \par\pard\ql \li1418\ri1214\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx198
5\tx1985 \up0 \expndtw0\charscalex103 13.27.The FoFA reforms\ul0\super\cf26\f27\
fs20 97\ul0\nosupersub\cf4\f5\fs22 currently being undertaken by the Assistant
Treasurer are expanding a \line\tab \up0 \expndtw-1\charscalex100 form of advice
called \u8216?scaled advice\u8217?, which may provide insurers with a cost-effe
ctive and less \line\tab \up0 \expndtw-1\charscalex100 onerous regime by which t
hey are able to provide personal advice. Scaled advice requires that \line\tab \
up0 \expndtw0\charscalex100 when financial service providers provide personal ad
vice on one specific financial product in \line\tab \up0 \expndtw0\charscalex100
isolation (for example, general insurance) they need not take into account as m
uch personal \line\tab \up0 \expndtw-3\charscalex100 information as would be the
case for other forms of personal advice. \par\pard\ql \li1418\ri1208\sb240\sl-2
60\slmult0\tx1985\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex10
0 13.28.The proposed reform is based on the principle that advice is valuable to
consumers and that \line\tab \up0 \expndtw0\charscalex100 more consumers should
have access to it. For superannuation and life insurance products the \line\tab
\up0 \expndtw0\charscalex106 personal advice model already exists and introduci
ng scaled advice allows it to be more \line\tab \up0 \expndtw0\charscalex102 eff
ective. However, for home insurance there is today no broadly available personal

advice \line\tab \up0 \expndtw0\charscalex104 model. Most consumers buy home in

surance directly by telephone and can only be given \line\tab \up0 \expndtw0\cha
rscalex100 product or general advice. There is a general insurance broker commun
ity but today brokers \line\tab \up0 \expndtw-2\charscalex100 tend to work with
business customers and those with larger insurance needs. \par\pard\ql \li1418\r
i1232\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\cha
rscalex103 13.29.With a global trend towards direct purchasing of home insurance
it is logical not to look to \line\tab \up0 \expndtw0\charscalex103 rebuild an
intermediated model for consumers but to look to simplify the home insurance \li
ne\tab \up0 \expndtw-2\charscalex100 offer so it is better understood by consume
rs. The Review Panel considers that the inclusion of \line\tab \up0 \expndtw0\ch
arscalex106 flood and replacement cover which has been previously recommended in
this Report, in \line\tab \up0 \expndtw0\charscalex110 addition to the Key Fact
s Statement, will significantly reduce the complexity faced by \line\tab \up0 \e
xpndtw-3\charscalex100 consumers. \par\pard\ql \li1418\sb0\sl-207\slmult0 \par\p
ard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\par
d\ql\li1418\sb23\sl-207\slmult0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf27\f28\fs18 96 \tab \up0 \expndtw-2\charscalex100 Suncorp submission to t
he Natural Disaster Insurance Review, p 15 \par\pard\ql \li1985\sb46\sl-216\slmu
lt0 \up0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.ndir
.gov.au/content/submissions/issues_paper_submissions/suncorp.pdf" }}{\fldrslt {\
ul0\nosupersub\cf27\f28\fs18 http://www.ndir.gov.au/content/submissions/issues_p
aper_submissions/suncorp.pdf}}} \par\pard\ql \li1418\sb52\sl-207\slmult0\tx1985
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 97 \tab \up0 \expndt
w-1\charscalex100 Australian Government The Treasury, Future of Financial Advic
e Information Pack, 28 April 2011 \par\pard\ql \li1985\sb53\sl-207\slmult0 \up0
\expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http://ministers.treasur
y.gov.au/ministers/brs/content/pressreleases/2011/attachments/064/064.pdf/" }}{\
fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://ministers.treasury.gov.au/Minister
s/brs/Content/pressreleases/2011/attachments/064/064.pdf}}} \par\pard\ql \li5804
\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\s
b99\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf6\f7\fs18 102
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{\shp {\*\shpinst\shpleft1526\shptop3284\shpright10385\shpbottom3544\shpfhdr0\sh
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{\shp {\*\shpinst\shpleft1526\shptop3543\shpright10385\shpbottom3923\shpfhdr0\sh
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{\shp {\*\shpinst\shpleft1418\shptop14246\shpright4299\shpbottom14266\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz674\shplid6
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p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g108}{\bkmkend Pg108}\par\pard\ql \li7907\sb0\sl-207\slmult0 \par\pard\ql\li7907
\sb0\sl-207\slmult0 \par\pard\ql\li7907\sb14\sl-207\slmult0 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 13: Consumer awareness \par\pard\q

l \li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb218\sl-299\slmult0 \up0 \expn

dtw-3\charscalex100 \ul0\nosupersub\cf18\f19\fs26 Key Facts Statement \par\pard\
ql \li1418\ri1217\sb234\sl-260\slmult0\tx1985\tx1985\tx1985 \up0 \expndtw0\chars
calex102 \ul0\nosupersub\cf4\f5\fs22 13.30.That the disclosure regime has failed
to sufficiently inform consumers of the relevant terms \line\tab \up0 \expndtw0
\charscalex108 and conditions of insurance policies was evidenced after the natu
ral disaster events of \line\tab \up0 \expndtw0\charscalex100 2010-2011 when man
y policyholders discovered, allegedly for the first time, that their home \line\
tab \up0 \expndtw-3\charscalex100 policies would not fully cover them for flood
damage. \par\pard\ql \li1418\ri1233\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx
1985\tx1985\tx1985\tx1985 \up0 \expndtw-1\charscalex100 13.31.In response, the G
overnment moved to propose a simplified one page Key Facts Statement to \line\ta
b \up0 \expndtw-1\charscalex100 be provided to the purchasers of home building a
nd contents insurance policies as part of the \line\tab \up0 \expndtw0\charscale
x102 \u8216?Reforming Flood Insurance: Clearing the Waters\u8217? consultation p
aper.\ul0\super\cf26\f27\fs20 98\ul0\nosupersub\cf4\f5\fs22 The objective of th
e \line\tab \up0 \expndtw0\charscalex100 Key Facts Statement is to \u8216?allow
consumers to quickly and easily check the basic terms of the \line\tab \up0 \exp
ndtw0\charscalex100 insurance policy, including the nature of cover and any key
exclusions. The proposal has been \line\tab \up0 \expndtw-1\charscalex100 genera
lly supported by the insurance industry and consumer groups. Given the problems
with \line\tab \up0 \expndtw-2\charscalex100 consumer awareness of cover for som
e natural disaster events, the Review Panel endorses the \line\tab \up0 \expndtw
-3\charscalex100 proposal. \par\pard\ql \li1418\ri1222\sb240\sl-260\slmult0\tx19
85\tx1985\tx1985 \up0 \expndtw-1\charscalex100 13.32.Whilst the design of the Ke
y Facts Statement is still to be completed, it would be important to \line\tab \
up0 \expndtw0\charscalex103 include in the Key Facts Statement the natural disas
ter prescribed events and replacement \line\tab \up0 \expndtw0\charscalex106 cov
er set out in Divisions 2 and 3 of the Regulations. It would also be important t
hat the \line\tab \up0 \expndtw-3\charscalex100 information be provided upon pol
icy renewals. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb113\
sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recom
mendation 33: \par\pard\qj \li1526\ri1342\sb242\sl-260\slmult0 \up0 \expndtw0\ch
arscalex100 \ul0\nosupersub\cf4\f5\fs22 That, in endorsing the Government propos
al for a Key Facts Statement, the Key Facts Statement \line \up0 \expndtw0\chars
calex107 list replacement cover and all natural disaster events, identified as \
up0 \expndtw0\charscalex106 \u8216?standard cover\u8217? in the \par\pard\ql \li
1526\sb6\sl-253\slmult0 \up0 \expndtw-3\charscalex100 Insurance Contracts Regula
tions 1985. \par\pard\qj \li1526\ri1335\sb122\sl-260\slmult0 \up0 \expndtw0\char
scalex103 That insurers issue a Key Facts Statement to policy holders with all n
ew policies written and all \up0 \expndtw-3\charscalex100 policy renewals on an
annual basis. \par\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl
-253\slmult0 \par\pard\ql\li1418\sb180\sl-253\slmult0 \up0 \expndtw-3\charscalex
100 \ul0\nosupersub\cf9\f10\fs28 H\ul0\nosupersub\cf10\f11\fs22 EALTH WARNING \p
ar\pard\ql \li1418\sb0\sl-260\slmult0 \par\pard\ql\li1418\ri1210\sb2\sl-260\slmu
lt0\tx1985\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 13.3
3.Whilst a Key Facts Statement will contribute to a greater level of consumer un
derstanding, as it \line\tab \up0 \expndtw-1\charscalex100 will usually be recei
ved by a consumer after a telephone sale process has been completed, the \line\t
ab \up0 \expndtw-1\charscalex100 reality will still be that some consumers will
not read the Key Facts Statement. \par\pard\ql \li1418\ri1234\sb240\sl-260\slmul
t0\tx1985\tx1985 \up0 \expndtw-1\charscalex100 13.34.One option to further enhan
ce consumer understanding would be to provide consumers with \line\tab \up0 \exp
ndtw0\charscalex100 a simple \u8216?health warning\u8217? if the insurance polic
y they are purchasing does not include certain \line\tab \up0 \expndtw-3\charsca
lex100 key features. \par\pard\ql \li1418\ri1230\sb240\sl-260\slmult0\tx1985\tx1
985 \up0 \expndtw0\charscalex100 13.35. Such a health warning would be similar t
o that used with the purchase of tobacco products \line\tab \up0 \expndtw0\chars
calex100 and could be provided verbally at the time of a telephone purchase or i
n writing on internet \line\tab \up0 \expndtw-3\charscalex100 quotation software

for an online purchase. \par\pard\ql \li1418\ri1232\sb240\sl-260\slmult0\tx1985

\tx1985\tx1985\tx1985 \up0 \expndtw-2\charscalex100 13.36.The Review Panel belie
ves that it would be appropriate to provide the purchasers of home and \line\tab
\up0 \expndtw0\charscalex109 contents policies with a health warning if their p
olicies do not include full flood or full \line\tab \up0 \expndtw0\charscalex102
replacement cover. The warning would specify that the policy does not include f
ull flood or \line\tab \up0 \expndtw0\charscalex100 replacement cover and in res
pect of the latter, should warn the purchaser that they may be \line\tab \up0 \e
xpndtw-3\charscalex100 under-insured. For example: \par\pard\ql \li1418\sb0\sl-2
07\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb90\sl-20
7\slmult0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 98
\tab \up0 \expndtw-1\charscalex100 Commonwealth Department of the Treasury, \u82
16?Clearing the Waters: Reforming Flood Insurance\u8217? Consultation Paper, \pa
r\pard\ql \li1985\sb46\sl-216\slmult0 \up0 \expndtw-1\charscalex100 2011 {\field
{\*\fldinst {HYPERLINK "http://www.treasury.gov.au/documents/1995/PDF/Reforming_
flood_insurance.pdf" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://www.treas
ury.gov.au/documents/1995/PDF/Reforming_flood_insurance.pdf}}} \par\pard\ql \li5
804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li580
4\sb98\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf6\f7\fs18
103
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\sn geoRight}{\sv 2881}}{\sp{\sn geoBottom}{\sv 20}}

{\sp{\sn pVerticies}{\sv 8;5;(0,20);(2881,20);(2881,0);(0,0);(0,20)}}
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p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g109}{\bkmkend Pg109}\par\pard\ql \li7907\sb0\sl-207\slmult0 \par\pard\ql\li7907
\sb0\sl-207\slmult0 \par\pard\ql\li7907\sb14\sl-207\slmult0 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 13: Consumer awareness \par\pard\l
i1985\sb0\sl-253\slmult0\par\pard\li1985\sb253\sl-253\slmult0\fi0\tx2551 \up0 \e
xpndtw0\charscalex103 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw0\c
harscalex103 \ul0\nosupersub\cf4\f5\fs22 \u8216?this product does not provide (f
ull) cover for flood\u8217?;\par\pard\li1985\sb247\sl-253\slmult0\fi0\tx2551 \up
0 \expndtw0\charscalex103 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndt
w0\charscalex104 \ul0\nosupersub\cf4\f5\fs22 \u8216?this product does not provid
e (full) replacement cover for buildings. You may be\par\pard\ql \li2551\sb0\sl249\slmult0 \up0 \expndtw-3\charscalex100 under-insured in the event of a total
loss\u8217?. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb115\s
l-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recomm
endation 34: \par\pard\qj \li1526\ri1342\sb242\sl-260\slmult0 \up0 \expndtw0\cha
rscalex100 \ul0\nosupersub\cf4\f5\fs22 That a \u8216?health warning\u8217? be pr
ovided by insurers to the purchasers of home and contents policies \line \up0 \e
xpndtw0\charscalex106 that do not include full flood cover or full replacement c
over. The health warning should be \line \up0 \expndtw-3\charscalex100 provided:
\par\pard\li1560\sb0\sl-253\slmult0\par\pard\li1560\sb4\sl-253\slmult0\fi0\tx22
46 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0
\expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 in the Key Facts Statement;
\par\pard\li1560\sb249\sl-253\slmult0\fi0\tx2246 \up0 \expndtw-3\charscalex100 \
ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-3\charscalex100 \ul0\nosu
persub\cf4\f5\fs22 verbally at the time of telephone purchase; and\par\pard\li15
60\sb246\sl-253\slmult0\fi0\tx2246 \up0 \expndtw-3\charscalex100 \ul0\nosupersub
\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\
fs22 in writing on internet quotation software for all online purchases.\par\par
d\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pard
\ql\li1418\sb169\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf
9\f10\fs28 S\ul0\nosupersub\cf10\f11\fs22 TANDARD DEFINITION OF FLOOD \par\pard\
ql \li1418\sb0\sl-260\slmult0 \par\pard\ql\li1418\ri1220\sb2\sl-260\slmult0\tx19
85\tx1985 \up0 \expndtw0\charscalex105 \ul0\nosupersub\cf4\f5\fs22 13.37.The Gov
ernment has recognised the confusion around the various definitions of flood by
\line\tab \up0 \expndtw0\charscalex100 proposing an amendment to the Act\ul0\nos
upersub\cf19\f20\fs22 \ul0\nosupersub\cf4\f5\fs22 which would introduce a stand
ard definition of flood for \line\tab \up0 \expndtw-3\charscalex100 home buildin
g and contents insurance policies.\ul0\super\cf26\f27\fs20 99 \par\pard\qj \li14
18\ri1215\sb240\sl-260\slmult0\tx1985 \up0 \expndtw0\charscalex108 \ul0\nosupers
ub\cf4\f5\fs22 13.38.Unlike the existing standard cover provision under section
35 of the Act, the standard \line\tab \up0 \expndtw-2\charscalex100 definition o
f flood would be mandatory with no ability to opt-out or vary the definition. \p
ar\pard\li1418\sb246\sl-253\slmult0\fi0\tx5765 \up0 \expndtw0\charscalex100 13.3
9.The Government\u8217?s Consultation Paper\tab \up0 \expndtw0\charscalex100 \u
8216?Reforming flood insurance: Clearing the waters\u8217?\par\pard\li1418\s
b9\sl-253\slmult0\fi566 \up0 \expndtw0\charscalex100 (April 2011)\ul0\super\cf26
\f27\fs20 100\ul0\nosupersub\cf4\f5\fs22 , proposed the definition:\par\pard\li1
418\sb247\sl-253\slmult0\fi1132 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf1
9\f20\fs22 \u8216?Flood means the covering of normally dry land by water that ha
s escaped or been\par\pard\li1418\sb6\sl-253\slmult0\fi1132 \up0 \expndtw0\chars
calex100 released from the normal confines of:\par\pard\li1418\sb248\sl-253\slmu
lt0\fi1132\tx3120 \up0 \expndtw0\charscalex100 (a)\tab \up0 \expndtw0\charscalex
100 Any lake, or any river, creek or other natural water course, whether or not

altered\par\pard\li1418\sb7\sl-253\slmult0\fi1701 \up0 \expndtw0\charscalex100 o

r modified or\par\pard\li1418\sb246\sl-253\slmult0\fi1132\tx3120 \up0 \expndtw0\
charscalex100 (b)\tab \up0 \expndtw0\charscalex100 Any reservoir, canal or dam.\
u8217?\par\pard\ql \li1418\ri1216\sb241\sl-260\slmult0\tx1985\tx1985\tx1985 \up0
\expndtw0\charscalex104 \ul0\nosupersub\cf4\f5\fs22 13.40.The definition has th
e features of most flood definitions, namely the escape or release of \line\tab
\up0 \expndtw0\charscalex102 water from the normal confines of a natural water c
ourse or body of water, including those \line\tab \up0 \expndtw0\charscalex102 t
hat have been modified. However, the one element of controversy is the absence o
f water \line\tab \up0 \expndtw-3\charscalex100 escaping from non-natural water
courses such as storm water channels. \par\pard\ql \li1418\ri1237\sb240\sl-260\s
lmult0\tx1985\tx1985 \up0 \expndtw0\charscalex100 13.41.Storm water channels are
not commonly defined in insurance policies. However, they would \line\tab \up0
\expndtw-1\charscalex100 usually consist of man-made, uncovered water courses, n
ot including gutters and storm water \line\tab \up0 \expndtw-3\charscalex100 dra
ins. \par\pard\ql \li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmu
lt0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult
0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb9\sl-207\slmult0\
tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 99 \tab \up0
\expndtw-1\charscalex100 Reforming Flood Insurance: Clearing the Waters Consulta
tion Paper, p 3, 2011 \par\pard\ql \li1418\ri3631\sb10\sl-260\slmult0\fi566\tx19
85 \up0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.treas
ury.gov.au/documents/1995/PDF/Reforming_flood_insurance.pdf" }}{\fldrslt {\ul0\n
osupersub\cf27\f28\fs18 http://www.treasury.gov.au/documents/1995/PDF/Reforming_
flood_insurance.pdf}}} \line \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\
f28\fs18 100 \up0 \expndtw-1\charscalex100 Reforming Flood Insurance: Clearing t
he Waters Consultation Paper, p 5, 2011 \line \tab \up0 \expndtw-1\charscalex100
{\field{\*\fldinst {HYPERLINK "http://www.treasury.gov.au/documents/1995/PDF/Re
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ww.treasury.gov.au/documents/1995/PDF/Reforming_flood_insurance.pdf}}} \par\pard
\ql \li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\
ql\li5804\sb90\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf6\
f7\fs18 104
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{\shp {\*\shpinst\shpleft1418\shptop14246\shpright4299\shpbottom14266\shpfhdr0\s
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g110}{\bkmkend Pg110}\par\pard\ql \li7907\sb0\sl-207\slmult0 \par\pard\ql\li7907
\sb0\sl-207\slmult0 \par\pard\ql\li7907\sb14\sl-207\slmult0 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 13: Consumer awareness \par\pard\q
l \li1418\sb0\sl-260\slmult0 \par\pard\ql\li1418\ri1225\sb230\sl-260\slmult0\tx1
985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex104 \ul0\nosupersub\cf4\f5\fs2
2 13.42.The Insurance Council of Australia in its response to the consultation p
aper asserted that \line\tab \up0 \expndtw0\charscalex100 storm water channels a
re commonly constructed within natural water courses and followed \line\tab \up0
\expndtw0\charscalex108 the natural drainage lines of the terrain. Accordingly,
they submitted that storm water \line\tab \up0 \expndtw0\charscalex100 channels
should be included within the standard definition and proposed an amendment to
\line\tab \up0 \expndtw-3\charscalex100 part (b) of the definition as follows: \
par\pard\qj \li1985\ri1232\sb240\sl-260\slmult0\tx2551 \up0 \expndtw0\charscalex
110 \ul0\nosupersub\cf19\f20\fs22 \u8216?(b) any reservoir, canal, dam or othe
r water channel or water way whether altered, \line\tab \up0 \expndtw-3\charscal
ex100 modified or purpose-built.\u8217? \par\pard\ql \li1418\ri1222\sb240\sl-260
\slmult0\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f
5\fs22 13.43.Whilst many storm water channels may be constructed within the conf
ines of natural water \line\tab \up0 \expndtw-2\charscalex100 courses, this is n
ot always the case and in any event, water escaping from such a channel could \l
ine\tab \up0 \expndtw-2\charscalex100 be classified as flood because it could st
ill be said to be escaping from a modified natural water \line\tab \up0 \expndtw
-3\charscalex100 course. \par\pard\ql \li1418\ri1219\sb240\sl-260\slmult0\tx1985
\tx1985\tx1985 \up0 \expndtw0\charscalex100 13.44.Further, the proposed amendmen
t appears to be too broad as it may encompass gutters and \line\tab \up0 \expndt
w-1\charscalex100 storm water drains, the escape of water from which usually fal
ls within the definition of storm \line\tab \up0 \expndtw0\charscalex100 water a

nd not flood water. To exclude water from storm water drains and gutters would b
e a \line\tab \up0 \expndtw-3\charscalex100 major departure from current insuran
ce practice. \par\pard\ql \li1418\ri1220\sb240\sl-260\slmult0\tx1985\tx1985\tx19
85\tx1985 \up0 \expndtw-2\charscalex100 13.45.The key to a standard definition i
s that it is narrow enough to be meaningful to consumers and \line\tab \up0 \exp
ndtw-1\charscalex100 such that when it is excluded it does not take away cover t
hat policyholders already have. The \line\tab \up0 \expndtw0\charscalex104 Insur
ance Council of Australia proposed definition introduces the concept of a water
way \line\tab \up0 \expndtw0\charscalex103 which is not commonly used in insuran
ce policy wording and proffers three descriptions of \line\tab \up0 \expndtw-3\c
harscalex100 water channels/ways which may confuse consumers. \par\pard\ql \li14
18\ri1211\sb240\sl-260\slmult0\tx1985\tx1985 \up0 \expndtw-1\charscalex100 13.46
.The importance of the standard definition to the consumer is reduced with the i
ntroduction of \line\tab \up0 \expndtw0\charscalex100 flood cover as a standard
inclusion in home, contents and home units policies; however it will \line\tab \
up0 \expndtw-2\charscalex100 still be of crucial importance to insurers, the rei
nsurance facility and small businesses. \par\pard\ql \li1526\sb0\sl-253\slmult0
\par\pard\ql\li1526\sb113\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosu
persub\cf16\f17\fs22 Recommendation 35: \par\pard\qj \li1526\ri1319\sb122\sl-260
\slmult0 \up0 \expndtw0\charscalex108 \ul0\nosupersub\cf4\f5\fs22 That the Commo
nwealth Government introduce a standard definition of flood in the form \up0 \ex
pndtw-2\charscalex100 proposed in the \u8216?Reforming flood insurance: Clearing
the waters\u8217? consultation paper. \par\pard\ql \li1418\sb0\sl-299\slmult0 \
par\pard\ql\li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb150\sl-299\slmult0 \
up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf18\f19\fs26 Unfair contract terms
\par\pard\ql \li1418\ri1215\sb234\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985 \u
p0 \expndtw0\charscalex103 \ul0\nosupersub\cf4\f5\fs22 13.47.Consumer contracts
in Australia are governed by the \ul0\nosupersub\cf19\f20\fs22 Australian Securi
ties and Investments \line\tab \up0 \expndtw-2\charscalex100 Act 2001\ul0\nosupe
rsub\cf4\f5\fs22 (the ASIC Act). The ASIC Act applies unfair contract terms law
s to consumer contracts, \line\tab \up0 \expndtw0\charscalex103 with penalties a
pplicable to contracts which breach these laws. Since 1 July 2010, ASIC has \lin
e\tab \up0 \expndtw-1\charscalex100 administered a new law to deal with unfair t
erms in consumer contracts for financial products \line\tab \up0 \expndtw-3\char
scalex100 and financial services. \par\pard\qj \li1418\ri1222\sb240\sl-260\slmul
t0\tx1985 \up0 \expndtw0\charscalex100 13.48.The unfair contract terms law are p
art of the broader new national Australian consumer law \line\tab \up0 \expndtw3\charscalex100 which was fully implemented as of 1 January 2011.\ul0\super\cf26
\f27\fs20 101 \par\pard\qj \li1418\sb0\sl-240\slmult0 \par\pard\qj\li1418\ri1236
\sb37\sl-240\slmult0\tx1985 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\
fs22 13.49.General insurance is currently exempt from unfair contract terms laws
as it was argued that \line\tab \up0 \expndtw-1\charscalex100 general insurance
was sufficiently different from other financial products to demand different \p
ar\pard\ql \li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \pa
r\pard\ql\li1418\sb74\sl-207\slmult0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf27\f28\fs18 101 \tab \up0 \expndtw-1\charscalex100 The Australian co
nsumer law was passed as the \ul0\nosupersub\cf40\f41\fs18 Trade Practices Amend
ment (Australian Consumer Law) Act (No.1) \par\pard\qj \li1985\ri1409\sb10\sl-26
0\slmult0 \up0 \expndtw-1\charscalex100 2010\ul0\nosupersub\cf27\f28\fs18 which
amends the \ul0\nosupersub\cf40\f41\fs18 Australian Securities and Investments
Commission Act 2001\ul0\nosupersub\cf27\f28\fs18 . See \u8216?Australian consume
r law \up0 \expndtw-1\charscalex100 \u8212? unfair contract terms\u8217? Austral
ian Securities and Investments Commission, 2011 \par\pard\ql \li1985\sb44\sl-207
\slmult0 \up0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www
.asic.gov.au/asic/asic.nsf/byheadline/unfair-contract-terms-law?opendocument./"
}}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://www.asic.gov.au/asic/asic.nsf/
byHeadline/Unfair-contract-terms-law?opendocument.}}} \par\pard\ql \li5804\sb0\s
l-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb99\sl
-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf6\f7\fs18 105

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g111}{\bkmkend Pg111}\par\pard\ql \li7907\sb0\sl-207\slmult0 \par\pard\ql\li7907
\sb0\sl-207\slmult0 \par\pard\ql\li7907\sb14\sl-207\slmult0 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 13: Consumer awareness \par\pard\q
j \li1985\sb0\sl-260\slmult0 \par\pard\qj\li1985\ri1212\sb230\sl-260\slmult0 \up
0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 treatment under the law.\u
l0\super\cf26\f27\fs20 102\ul0\nosupersub\cf4\f5\fs22 The general insurance ind
ustry has resisted unfair contract terms \up0 \expndtw0\charscalex100 legislatio
n being applied to general insurance contracts, arguing that the duty of utmost
good \up0 \expndtw0\charscalex107 faith under section 13 of the \ul0\nosupersub\
cf19\f20\fs22 Insurance Contracts Act 1984 \ul0\nosupersub\cf4\f5\fs22 (the Act)
provides consumer \up0 \expndtw0\charscalex100 protection equivalent to or bett
er than that provided by the unfair contract terms laws.\ul0\super\cf26\f27\fs20
103\ul0\nosupersub\cf4\f5\fs22 In \up0 \expndtw-1\charscalex100 addition, it i
s argued that insurance contracts are already subject to review both under the A
ct \up0 \expndtw-1\charscalex100 and the Terms of Reference for the Financial Om
budsman Service (FOS).\ul0\super\cf26\f27\fs20 104 \par\pard\ql \li1418\ri1206\s
b240\sl-260\slmult0\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex102 \ul0\nosup
ersub\cf4\f5\fs22 13.50.However, consumer groups have argued that the duty of ut
most good faith in the Act is not \line\tab \up0 \expndtw-1\charscalex100 equiva
lent to unfair contract terms laws as reliance by an insurer upon a term of an i
nsurance \line\tab \up0 \expndtw-1\charscalex100 contract (such as an exclusion
clause) is not, as a matter of law, a breach of the duty of utmost \line\tab \up
0 \expndtw-1\charscalex100 good faith and, in any event, there are no penalties
applicable to a breach of the duty.\ul0\super\cf26\f27\fs20 105 \par\pard\ql \li
1418\ri1238\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\char
scalex100 \ul0\nosupersub\cf4\f5\fs22 13.51.One frequently cited example of cons
umer detriment arising from unfair terms in insurance \line\tab \up0 \expndtw-1\
charscalex100 contracts was a claim for stolen luggage denied after the insured
left his baggage \u8216?unattended\u8217? \line\tab \up0 \expndtw0\charscalex100
where the stolen baggage was within reach, but the insured was distracted at th
e time of the \line\tab \up0 \expndtw0\charscalex102 theft, asking for direction
s. Consumer groups argue that such an unfair exclusion clause for \line\tab \up0
\expndtw0\charscalex102 unattended baggage can only be dealt with under unfair
contract terms laws and not the \par\pard\ql \li1985\sb44\sl-207\slmult0 \up0 \e
xpndtw-3\charscalex100 Act.\ul0\super\cf26\f27\fs20 106 \par\pard\ql \li1418\ri1
221\sb250\sl-260\slmult0\tx1985\tx1985 \up0 \expndtw0\charscalex105 \ul0\nosuper
sub\cf4\f5\fs22 13.52.A Senate report recommended in September 2009 that the unf
air contract provisions be \line\tab \up0 \expndtw0\charscalex105 extended to in
surance contracts, stating that consumers are not provided with adequate \line\t
ab \up0 \expndtw-3\charscalex100 protection in insurance contracts under existin
g law.\ul0\super\cf26\f27\fs20 107 \par\pard\ql \li1418\ri1231\sb240\sl-260\slmu
lt0\tx1985\tx1985 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 13.53
.The Treasury released an options paper on the issue which canvasses the extensi
on of unfair \line\tab \up0 \expndtw-1\charscalex100 contract terms laws to insu
rance contracts in July 2011 and is consulting with stakeholders on \line\tab \u
p0 \expndtw-3\charscalex100 its proposals.\ul0\super\cf26\f27\fs20 108 \par\pard
\ql \li1418\ri1214\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985 \up0 \expndt
w0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 13.54.Unfair contract terms legisla
tion is based on notions of efficiency, fairness and equity and the \line\tab \u

p0 \expndtw-1\charscalex100 ability to excise unfair terms which are not the mai
n subject matter of a contract whilst taking \line\tab \up0 \expndtw-1\charscale
x100 into account the legitimate interests of the contracting parties. It appear
s to the Review Panel \line\tab \up0 \expndtw0\charscalex102 that these principl
es are consistent with general insurance contracts and may assist in fairly \lin
e\tab \up0 \expndtw-2\charscalex100 resolving disputes which arise out of natura
l disaster insurance claims. \par\pard\ql \li1418\ri1238\sb240\sl-260\slmult0\tx
1985\tx1985 \up0 \expndtw-1\charscalex100 13.55.General insurers concerns includ
e that they will be forced to pay for risks that were not priced \line\tab \up0
\expndtw0\charscalex105 and premiums not collected, for example for flood damage
when a policy excluded flood \line\tab \up0 \expndtw0\charscalex100 cover. This
scenario, it is argued, could very quickly destabilise the insurers\u8217? prud
ential base, \par\pard\ql \li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb197\s
l-207\slmult0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18
102 \tab \up0 \expndtw-1\charscalex100 National Legal Aid Submission to Unfair
Terms in Insurance Contracts: Options Paper, p 2, 2010 \par\pard\ql \li1985\sb4
6\sl-216\slmult0 \up0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "ht
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ury.gov.au/content/_download/submissions_options_paper/NLA_Submission.pdf}}} \pa
r\pard\ql \li1418\sb52\sl-207\slmult0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\
nosupersub\cf27\f28\fs18 103 \tab \up0 \expndtw-1\charscalex100 Senate Economics
Legislation Committee : Trade Practices Amendment (Australian Consumer Law) Bil
l 2009 \par\pard\ql \li1985\sb53\sl-207\slmult0 \up0 \expndtw-2\charscalex100 [P
rovisions], pp 50-51, September 2009 \par\pard\ql \li1985\sb46\sl-216\slmult0 \u
p0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.aph.gov.au
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slt {\ul0\nosupersub\cf27\f28\fs18 http://www.aph.gov.au/senate/committee/econom
ics_ctte/tpa_consumer_law_09/report/report.pdf}}} \par\pard\ql \li1418\sb52\sl-2
07\slmult0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 10
4 \tab \up0 \expndtw-1\charscalex100 Insurance Council of Australia submission t
o the Natural Disaster Insurance Review, pp 31-32, 2011 \par\pard\qj \li1985\ri1
988\sb10\sl-260\slmult0 \up0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERL
INK "http://www.ndir.gov.au/content/submissions/issues_paper_submissions/Insuran
ce_Council_of_Australia.pdf" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://w
ww.ndir.gov.au/content/submissions/issues_paper_submissions/Insurance_Council_of
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"http://www.ndir.gov.au/content/submissions/issues_paper_submissions/Insurance_
Council_of_Australia.pdf" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 pdf}}} \par
\pard\ql \li1418\sb44\sl-207\slmult0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf27\f28\fs18 105 \tab \up0 \expndtw-1\charscalex100 National Legal Ai
d Submission to Unfair Terms in Insurance Contracts: Options Paper, 2010, pp 11
-12 \par\pard\ql \li1985\sb46\sl-216\slmult0 \up0 \expndtw-1\charscalex100 {\fie
ld{\*\fldinst {HYPERLINK "http://icareview.treasury.gov.au/content/_download/sub
missions_options_paper/NLA_Submission.pdf" }}{\fldrslt {\ul0\nosupersub\cf27\f28
\fs18 http://icareview.treasury.gov.au/content/_download/submissions_options_pap
er/NLA_Submission.pdf}}} \par\pard\ql \li1418\sb52\sl-207\slmult0\tx1985 \up0 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 106 \tab \up0 \expndtw-1\ch
arscalex100 Commonwealth Government the Treasury, \u8216?Unfair Contract Terms O
ptions Paper\u8217?, p 2, 2010 \par\pard\ql \li1418\ri1716\sb10\sl-260\slmult0\f
i566\tx1985 \up0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http://
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\line \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 107 \up0 \expn
dtw-1\charscalex100 Senate Economics Legislation Committee : Trade Practices Ame
ndment (Australian Consumer Law) Bill 2009 \line\tab \up0 \expndtw-2\charscalex1
00 [Provisions], p 68, September 2009 \par\pard\ql \li1985\sb37\sl-216\slmult0 \
up0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.aph.gov.a
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08 \tab \up0 \expndtw-1\charscalex100 Commonwealth Government the Treasury, \u82
16?Unfair Contract Terms Options Paper\u8217?, 2010 \par\pard\ql \li1985\sb46\sl
-216\slmult0 \up0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http:/
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scalex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 13: Consumer awareness \par\pard\q
j \li1985\sb0\sl-260\slmult0 \par\pard\qj\li1985\ri1225\sb230\sl-260\slmult0 \up
0 \expndtw0\charscalex102 \ul0\nosupersub\cf4\f5\fs22 particularly in the case o
f flood.\ul0\super\cf26\f27\fs20 109\ul0\nosupersub\cf4\f5\fs22 However, it app
ears to the Review Panel that these fears \line \up0 \expndtw0\charscalex107 are
unfounded as unfair contract terms laws would not operate to excise, for exampl
e, \line \up0 \expndtw0\charscalex106 insurance policy exclusions which were leg
itimate deviations from standard cover under \line \up0 \expndtw0\charscalex100
section 35 of the\ul0\nosupersub\cf19\f20\fs22 Act, \ul0\nosupersub\cf4\f5\fs22
and which still kept intact a home building or contents insurance policy \line
\up0 \expndtw0\charscalex105 consistent with the \ul0\nosupersub\cf19\f20\fs22 I
nsurance Contracts Regulations 1985\ul0\nosupersub\cf4\f5\fs22 . Further, it app
ears that unfair \line \up0 \expndtw0\charscalex100 contract terms legislation w
ill provide consumer protection over and above that provided by \line \up0 \expn
dtw0\charscalex100 the duty of utmost good faith under section 13 of the Act\ul0
\nosupersub\cf19\f20\fs22 \ul0\nosupersub\cf4\f5\fs22 and the general fairness
test under \line \up0 \expndtw-3\charscalex100 the FOS Terms of Reference. \par\
pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb113\sl-253\slmult0 \up0
\expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recommendation 37: \par\
pard\qj \li1526\ri1326\sb122\sl-260\slmult0 \up0 \expndtw-2\charscalex100 \ul0\n
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par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \pa
r\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\
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l-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-20
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g113}{\bkmkend Pg113}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\
sl-240{\bkmkstart Pg114}{\bkmkend Pg114}\par\pard\ql \li1418\sb0\sl-356\slmult0
\par\pard\ql\li1418\sb0\sl-356\slmult0 \par\pard\ql\li1418\sb0\sl-356\slmult0 \p
ar\pard\ql\li1418\sb0\sl-356\slmult0 \par\pard\ql\li1418\sb141\sl-356\slmult0 \u
p0 \expndtw0\charscalex98 \ul0\nosupersub\cf23\f24\fs36 Chapter 14.\ul0\nosupers
ub\cf24\f25\fs36 \ul0\nosupersub\cf23\f24\fs36 C\ul0\nosupersub\cf25\f26\fs29
LAIMS HANDLING AND DISPUTE RESOLUTION \par\pard\ql \li1418\sb0\sl-253\slmult0 \p
ar\pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb164\sl-253\slmult0 \u
p0 \expndtw-3\charscalex100 \ul0\nosupersub\cf9\f10\fs28 C\ul0\nosupersub\cf10\f
11\fs22 LAIMS AND DISPUTES PROCESSES \par\pard\ql \li1418\sb247\sl-253\slmult0\t
x1985 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 14.1. \tab \up0
\expndtw-1\charscalex100 If a policyholder wishes to make a claim under a genera
l insurance policy for a natural disaster \par\pard\ql \li1985\sb7\sl-253\slmult
0 \up0 \expndtw-3\charscalex100 or otherwise, they will contact the insurer to m
ake a claim. \par\pard\ql \li1418\sb247\sl-253\slmult0\tx1985 \up0 \expndtw-3\ch
arscalex100 14.2. \tab \up0 \expndtw0\charscalex105 The insurer will normally th
en log the claim and forward the policyholder claim forms for \par\pard\qj \li19
85\ri1236\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex104 completion \u8212? alt
hough in some natural disasters the necessity for written claims forms is \up0 \
expndtw-3\charscalex100 dispensed with. \par\pard\ql \li1418\sb246\sl-253\slmult
0\tx1985 \up0 \expndtw-3\charscalex100 14.3. \tab \up0 \expndtw0\charscalex102 T
he policyholder will then usually complete, sign and return the claims forms tog
ether with \par\pard\qj \li1985\ri1220\sb0\sl-280\slmult0 \up0 \expndtw0\charsca
lex100 any other information/documentation to support a claim such as an invento
ry of damaged or \up0 \expndtw-3\charscalex100 lost items in a home contents cla
im, proof of loss etc. \par\pard\ql \li1418\sb208\sl-253\slmult0\tx1985 \up0 \ex

pndtw-3\charscalex100 14.4. \tab \up0 \expndtw0\charscalex104 The insurer will a

llocate a claims officer who may engage an assessor, investigator and/or \par\pa
rd\qj \li1985\ri1228\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex102 expert to a
ssist in the assessment of the claim. In the case of a flood, an hydrologist may
be \up0 \expndtw0\charscalex100 appointed if the policy excludes or limits floo
d cover. A building expert may be appointed in \up0 \expndtw-3\charscalex100 the
event of a home building claim. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx198
5 \up0 \expndtw-3\charscalex100 14.5. \tab \up0 \expndtw0\charscalex102 Further
information and documentation may be requested from the policyholder and third \
par\pard\qj \li1985\ri1213\sb30\sl-250\slmult0 \up0 \expndtw0\charscalex104 part
ies. The insurer will then make decisions on a claim as to liability (that is, w
hether the \up0 \expndtw0\charscalex107 claimant\u8217?s policy was current at t
he relevant time, what loss/damage was suffered, and \up0 \expndtw-3\charscalex1
00 whether the loss/damage claimed was because of an insured event.) \par\pard\q
l \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb15\sl-253\slmult0\tx1985 \up0
\expndtw-3\charscalex100 14.6. \tab \up0 \expndtw-1\charscalex100 These decisio
ns will be communicated to the claimant and if the claim is rejected (wholly or
in \par\pard\qj \li1985\ri1213\sb0\sl-260\slmult0 \up0 \expndtw0\charscalex103 p
art) the claimant should be informed of their right to lodge an internal dispute
resolution \line \up0 \expndtw-2\charscalex100 (IDR) complaint against the deci
sion(s). A rejection must be accompanied by written reasons. \par\pard\ql \li141
8\sb248\sl-253\slmult0\tx1985 \up0 \expndtw-3\charscalex100 14.7. \tab \up0 \exp
ndtw0\charscalex107 If liability is accepted, the insurer will then assess the q
uantum of the loss/damage and \par\pard\qj \li1985\ri1216\sb0\sl-260\slmult0 \up
0 \expndtw-2\charscalex100 proceed to arrange for payment, replacement or repair
s. This process may involve a number of \up0 \expndtw0\charscalex107 decisions;
which items claimed are to be paid and in what sums, what repairs are to be \up0
\expndtw0\charscalex102 undertaken, what items are to be replaced and with what
, or what cash settlement is to be \up0 \expndtw-1\charscalex100 offered. Again,
if any particular part of the claim is rejected, or if offers are made, the cla
imant \up0 \expndtw-2\charscalex100 should be advised of their right to lodge an
IDR complaint. \par\pard\ql \li1418\sb248\sl-253\slmult0\tx1985 \up0 \expndtw-3
\charscalex100 14.8. \tab \up0 \expndtw0\charscalex102 An IDR complaint can be m
ade verbally or in writing. When the claimant disputes the claim, \par\pard\qj \
li1985\ri1204\sb0\sl-264\slmult0 \up0 \expndtw0\charscalex103 the insurer should
elevate the claim to a complaints officer who will assess and decide the \line
\up0 \expndtw0\charscalex105 complaint. This process may involve further i
nvestigations and requests for further \line \up0 \expndtw0\charscalex105 in
formation/documentation. A decision on the complaint should be made in writing w
ith \line \up0 \expndtw0\charscalex102 reasons within a total of 45 days \u8212?
or such further period agreed between the parties. The \line \up0 \expndtw-2\ch
arscalex100 claimant must be advised of their right to lodge an external dispute
resolution (EDR) complaint \line \up0 \expndtw-2\charscalex100 or to seek legal
advice if the IDR complaint is not dealt with to their satisfaction within 45 d
ays. \par\pard\ql \li1418\sb224\sl-253\slmult0\tx1985 \up0 \expndtw-3\charscalex
100 14.9. \tab \up0 \expndtw0\charscalex100 The EDR complaints scheme for genera
l insurance is the Financial Ombudsman Service (FOS) \par\pard\qj \li1985\ri1226
\sb0\sl-265\slmult0 \up0 \expndtw0\charscalex107 which has, subject to its Terms
of Reference, the power to overturn or vary an insurers \up0 \expndtw0\charscal
ex102 decision and order (or recommend) that a policyholder\u8217?s claim be pai
d. FOS currently has a \up0 \expndtw0\charscalex103 monetary limit for binding d
eterminations on general insurance disputes of $280,000. The \up0 \expndtw-1\cha
rscalex100 determinations are binding on insurers but policy holders are free no
t to accept decisions and \up0 \expndtw-3\charscalex100 take their cases to cour
t. \par\pard\ql \li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult
0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb100\sl-207\slmult
0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf6\f7\fs18 109 \par\pard\sect\s
ectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg115}{\bkmkend Pg1
15}\par\pard\ql \li6546\sb0\sl-207\slmult0 \par\pard\ql\li6546\sb0\sl-207\slmult
0 \par\pard\ql\li6546\sb14\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nos

upersub\cf1\f2\fs18 Chapter 14: Claims handling and dispute resolution \par\pard

\ql \li1418\sb0\sl-260\slmult0 \par\pard\ql\li1418\ri1224\sb230\sl-260\slmult0\t
x1985\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf4\f5\fs22 14.10.Standards for claims handling and IDR processes for general in
surers are set out in the General \line\tab \up0 \expndtw0\charscalex100 Insuran
ce Code of Practice\ul0\super\cf26\f27\fs20 110\ul0\nosupersub\cf4\f5\fs22 (the
Code), an industry self-regulated code administered by the \line\tab \up0 \expn
dtw0\charscalex100 Insurance Council and FOS that the majority of Australian gen
eral insurers and other industry \line\tab \up0 \expndtw0\charscalex100 particip
ants have adopted. The Code provides standards on how participating insurers are
to \line\tab \up0 \expndtw0\charscalex102 sell policies, handle claims and comp
laints, and respond to natural disasters. Since 2010 the \line\tab \up0 \expndtw
-3\charscalex100 Code is subject to review every three years. \par\pard\ql \li14
18\ri1232\sb240\sl-260\slmult0\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex103
14.11.Insurers\u8217? adherence to the Code is monitored by the Code Compliance
Committee, a three \line\tab \up0 \expndtw0\charscalex102 person committee comp
rising of a representative from the insurance industry, a consumer \line\tab \up
0 \expndtw-2\charscalex100 representative and an independent chair appointed joi
ntly by the FOS board and the Insurance \line\tab \up0 \expndtw-3\charscalex100
Council. \par\pard\ql \li1418\sb0\sl-264\slmult0 \par\pard\ql\li1418\sb0\sl-264\
slmult0 \par\pard\ql\li1418\sb9\sl-264\slmult0 \up0 \expndtw-3\charscalex100 \ul
0\nosupersub\cf9\f10\fs28 C\ul0\nosupersub\cf10\f11\fs22 LAIMS HANDLING ISSUES I
DENTIFIED IN THE \ul0\nosupersub\cf9\f10\fs28 2011\ul0\nosupersub\cf10\f11\fs22
DISASTERS \par\pard\qj \li1418\ri1739\sb260\sl-260\slmult0\tx1985 \up0 \expndtw
-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 14.12.A Consumer Perspective Paper\
ul0\super\cf26\f27\fs20 111\ul0\nosupersub\cf4\f5\fs22 prepared for the Review
Panel identified problems with \line\tab \up0 \expndtw-3\charscalex100 insurers\
u8217? claims handling including: \par\pard\li1985\sb247\sl-253\slmult0\fi0\tx25
51 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0
\expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 insurers failures to proces
s claims in a timely manner;\par\pard\li1985\sb246\sl-253\slmult0\fi0\tx2551 \up
0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expnd
tw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 poor practices with regard to the
collection and use of evidence;\par\pard\li1985\sb249\sl-253\slmult0\fi0\tx2551
\up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 failure to communicate refusa
l of claims in a timely manner, including failure to provide\par\pard\li1985\sb6
\sl-253\slmult0\fi566 \up0 \expndtw-3\charscalex100 proper reasons and evidence
for refusals; and\par\pard\li1985\sb246\sl-253\slmult0\fi0\tx2551 \up0 \expndtw3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf4\f5\fs22 failure to adequately inform consumers of th
eir rights to IDR and EDR in relation to\par\pard\li1985\sb9\sl-253\slmult0\fi56
6 \up0 \expndtw-3\charscalex100 refused claims or claims-related complaints.\par
\pard\ql \li1418\ri1215\sb240\sl-260\slmult0\tx1985\tx1985\tx1985 \up0 \expndtw0
\charscalex100 14.13.Two of the biggest areas of client frustration identified f
rom the 2011 floods were the failure \line\tab \up0 \expndtw0\charscalex100 of i
nsurers\u8217? customer service staff to meet the immediate needs of claimants a
nd the delays \line\tab \up0 \expndtw0\charscalex106 associated with the decisio
ns about claims. These delays were often due to shortages in \line\tab \up0 \exp
ndtw-2\charscalex100 hydrologists to assess whether damage to property was due t
o flood or storm. \par\pard\ql \li1418\ri1224\sb240\sl-260\slmult0\tx1985\tx1985
\tx1985 \up0 \expndtw0\charscalex108 14.14.Consumer representatives have also
submitted to this Review and the House of \line\tab \up0 \expndtw-1\cha
rscalex100 Representatives inquiry into the operation of the insurance industry
during disaster events,\ul0\super\cf26\f27\fs20 112 \line\tab \up0 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf4\f5\fs22 instances where insurers have failed to
comply with the Code following the natural disasters in \line\tab \up0 \expndtw3\charscalex100 2010-2011 in a number of key ways; \par\pard\li1985\sb248\sl-253
\slmult0\fi0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22
\u8226?\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 discouragi

ng policyholders from making claims and informing them that they would not\par\p
ard\li1985\sb7\sl-253\slmult0\fi566 \up0 \expndtw-3\charscalex100 be covered;\ul
0\super\cf26\f27\fs20 113\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0
\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\sl
mult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb180\sl-207\slmult0\fi
0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 110\tab \up
0 \expndtw-1\charscalex100 General Insurance Code of Practice, 2010. {\field{\*\
fldinst {HYPERLINK "http://www.codeofpractice.com.au/LinkClick.aspx?fileticket=XTcClWRFGo%3d&tabid=37" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://www.co
deofpractice.com.au/LinkClick.aspx?fileticket=-}}}\par\pard\li1418\sb53\sl-207\s
lmult0\fi566 \up0 \expndtw-2\charscalex100 {\field{\*\fldinst {HYPERLINK "http:/
/www.codeofpractice.com.au/LinkClick.aspx?fileticket=-XTcClWRFGo%3d&tabid=37" }}
{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 XTcClWRFGo%3d&tabid=37}}}\par\pard\li14
18\sb52\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\
cf27\f28\fs18 111\tab \up0 \expndtw-2\charscalex100 Connolly, Chris A consumer p
erspective on the NDIR Issues Paper, p 11\par\pard\li1418\sb55\sl-207\slmult0\fi
566 \up0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.ndir
.gov.au/content/commissionedpapers/2011/consumer_perspective_sept_11.pdf/" }}{\f
ldrslt {\ul0\nosupersub\cf27\f28\fs18 http://www.ndir.gov.au/content/commissione
dpapers/2011/consumer_perspective_sept_11.pdf}}}\par\pard\li1418\sb52\sl-207\slm
ult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 112\
tab \up0 \expndtw-2\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.aph.
gov.au/house/committee/spla/insurance/index.htm" }}{\fldrslt {\ul0\nosupersub\cf
27\f28\fs18 http://www.aph.gov.au/house/committee/spla/insurance/index.htm}}}\pa
r\pard\li1418\sb52\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\
nosupersub\cf27\f28\fs18 113\tab \up0 \expndtw-1\charscalex100 The Caxton Legal
Service reported 26 instances (out of 126 surveyed) where this occurred, but the
insured\par\pard\qj \li1985\ri1272\sb0\sl-260\slmult0 \up0 \expndtw-1\charscale
x100 disregarded this advice and made a claim. The number of people who followed
the advice of the claims staff and did \up0 \expndtw-1\charscalex100 not make a
claim is unknown. See Caxton Legal Service submission to the House of Represent
atives inquiry into the \up0 \expndtw-2\charscalex100 operation of the insurance
industry during disaster events, p 23, 2011 \par\pard\ql \li1985\sb43\sl-207\sl
mult0 \up0 \expndtw-2\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.ap
h.gov.au/house/committee/spla/insurance/submissions.htm" }}{\fldrslt {\ul0\nosup
ersub\cf27\f28\fs18 http://www.aph.gov.au/house/committee/spla/insurance/submiss
ions.htm}}} \par\pard\ql \li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-2
07\slmult0 \par\pard\ql\li5804\sb99\sl-207\slmult0 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf6\f7\fs18 110
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\sb0\sl-207\slmult0 \par\pard\ql\li6546\sb14\sl-207\slmult0 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 14: Claims handling and dispute re
solution \par\pard\li1985\sb0\sl-253\slmult0\par\pard\li1985\sb253\sl-253\slmult
0\fi0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?
\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 failing to use al
l necessary information needed to assess a claim. For example, there\par\pard\li
1985\sb7\sl-253\slmult0\fi566 \up0 \expndtw-2\charscalex100 were reports of seve
ral insurers using aerial photos from the internet to assess claims;\par\pard\li

1985\sb9\sl-253\slmult0\fi566 \up0 \expndtw-3\charscalex100 some which were take

n many hours after the water had receded;\par\pard\li1985\sb246\sl-253\slmult0\f
i0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\ta
b \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 failing to inform po
licyholders within 20 business days of the progress of their claims;\ul0\super\c
f26\f27\fs20 114;\par\pard\li1985\sb246\sl-253\slmult0\fi0\tx2551 \up0 \expndtw3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf4\f5\fs22 sending out pro-forma rejection letters whic
h did not sufficiently inform policyholders of\par\pard\qj \li2551\ri1311\sb0\sl
-260\slmult0 \up0 \expndtw-2\charscalex100 the reasons for rejection or provide
evidence on which the rejection was based (such as \up0 \expndtw-3\charscalex100
hydrology reports); and \par\pard\ql \li1985\sb237\sl-253\slmult0\tx2551 \up0 \
expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226? \tab \up0 \expndtw
-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 failing to notify policyholders of
their rights to complain or dispute.\ul0\super\cf26\f27\fs20 115 \par\pard\ql \l
i1418\ri1226\sb242\sl-260\slmult0\tx1985\tx1985\tx1985 \up0 \expndtw-2\charscale
x100 \ul0\nosupersub\cf4\f5\fs22 14.15.The insurance industry, on the other hand
, has defended its handling of claims arising from the \line\tab \up0 \expndtw0\
charscalex100 2010 and 2011 natural disasters pointing to the fact that the indu
stry received over 57,000 \line\tab \up0 \expndtw-2\charscalex100 claims from th
e floods in south-east Queensland, 97 per cent of which were determined within \
line\tab \up0 \expndtw-3\charscalex100 four months.\ul0\super\cf26\f27\fs20 116
\par\pard\ql \li1418\ri1223\sb240\sl-260\slmult0\tx1985\tx1985\tx1985 \up0 \expn
dtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 14.16.However, insurers have con
ceded that they could do better and there have been some delays, \line\tab \up0
\expndtw0\charscalex105 particularly as a result of shortages in tradespersons t
o conduct repairs and in sourcing \line\tab \up0 \expndtw0\charscalex100 hydrolo
gists to conduct investigations into whether the damage to property was caused b
y \line\tab \up0 \expndtw-3\charscalex100 floodwater or stormwater or a combinat
ion of both.\ul0\super\cf26\f27\fs20 117 \par\pard\ql \li1418\ri1224\sb240\sl-26
0\slmult0\tx1985\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex102
\ul0\nosupersub\cf4\f5\fs22 14.17.The Consumer Perspective Paper urges the deve
lopment of a mandatory claims handling \line\tab \up0 \expndtw-3\charscalex100 s
tandard that goes further than the current Code and further proposes that a gene
ral fairness \line\tab \up0 \expndtw0\charscalex108 test be applied to claims ha
ndling.\ul0\super\cf26\f27\fs20 118\ul0\nosupersub\cf4\f5\fs22 It further argue
s that oversight of the Code and \line\tab \up0 \expndtw-1\charscalex100 complia
nce monitoring appear to have fallen in recent years, and the reputation of the
Code \line\tab \up0 \expndtw0\charscalex100 amongst consumer advisers is cur
rently poor\ul0\nosupersub\cf51\f52\fs20 . \ul0\nosupersub\cf4\f5\fs22 A subm
ission by the FOS endorses the \line\tab \up0 \expndtw0\charscalex100 devel
opment of a claims handling standard, in particular \ul0\nosupersub\cf47\f48\fs2
3 with respect to the exchange of \line\tab \up0 \expndtw-3\charscalex100 inform
ation and proof of loss where there is a natural disaster\ul0\nosupersub\cf4\f5\
fs22 .\ul0\super\cf26\f27\fs20 119 \par\pard\ql \li1418\sb0\sl-207\slmult0 \par\
pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pa
rd\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard
\ql\li1418\sb149\sl-207\slmult0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf27\f28\fs18 114 \tab \up0 \expndtw-1\charscalex100 The overwhelming major
ity of claimants surveyed by various Legal Aid Services (between 70-85 per cent)
indicated \par\pard\qj \li1985\ri1638\sb10\sl-260\slmult0 \up0 \expndtw-1\chars
calex100 that they had never been advised by their insurer on the progress of th
eir claim. See Caxton Legal Aid Service \up0 \expndtw-1\charscalex100 submission
to the House of Representatives inquiry into the operation of the insurance ind
ustry during disaster \up0 \expndtw-1\charscalex100 events, 2011 and Legal Aid N
SW submission to the House of Representatives inquiry into the operation of the
\up0 \expndtw-2\charscalex100 insurance industry during disaster events, 2011, f
or example. \par\pard\ql \li1985\sb44\sl-207\slmult0 \up0 \expndtw-2\charscalex1
00 {\field{\*\fldinst {HYPERLINK "http://www.aph.gov.au/house/committee/spla/ins
urance/submissions.htm" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://www.ap

h.gov.au/house/committee/spla/insurance/submissions.htm}}} \par\pard\ql \li1418\

sb53\sl-207\slmult0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f2
8\fs18 115 \tab \up0 \expndtw-1\charscalex100 The Collaborative Insurance Law Se
rvices (CILS), a coalition of independent insurance law services established in
\par\pard\ql \li1985\ri1316\sb10\sl-260\slmult0 \up0 \expndtw-1\charscalex100 Ma
rch 2011, reports that of the 642 insurance claims in dispute as at 14 June, 201
1, 550 were being represented by \up0 \expndtw-1\charscalex100 them. A survey of
214 policyholders assisted by Legal Aid services showed that 65 per cent did no
t feel they had \up0 \expndtw-1\charscalex100 been given accurate and useful inf
ormation by the insurer about their right to EDR, and 46 per cent were not \line
\up0 \expndtw-2\charscalex100 advised about their rights to EDR at all. \par\pa
rd\li1418\sb56\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex100 116\tab \
up0 \expndtw-1\charscalex100 Insurance Council of Australia \u8216?QLD insurance
claims assessments near completion\u8217?\par\pard\li1418\sb53\sl-207\slmult0\f
i566 \up0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.ins
urancecouncil.com.au/Portals/24/Media%20Centre/2011%20Media%20Releases/110510%20
MR%20ICA%20payout%20update_F.pdf" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 htt
p://www.insurancecouncil.com.au/Portals/24/Media%20Centre/2011%20Media%20Release
s/110510%20MR%2}}}\par\pard\li1418\sb52\sl-207\slmult0\fi566 \up0 \expndtw-2\cha
rscalex100 {\field{\*\fldinst {HYPERLINK "http://www.insurancecouncil.com.au/Por
tals/24/Media%20Centre/2011%20Media%20Releases/110510%20MR%20ICA%20payout%20upda
te_F.pdf" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 0ICA%20payout%20update_F.pd
f}}}\par\pard\li1418\sb55\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf27\f28\fs18 117\tab \up0 \expndtw-2\charscalex100 Suncorp su
bmission to the Natural Disaster Insurance Review, p 18\par\pard\li1418\sb52\sl207\slmult0\fi566 \up0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "h
ttp://www.ndir.gov.au/content/submissions/issues_paper_submissions/suncorp.pdf"
}}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://www.ndir.gov.au/content/submis
sions/issues_paper_submissions/suncorp.pdf}}}\par\pard\li1418\sb52\sl-207\slmult
0\fi0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 118\tab
\up0 \expndtw-2\charscalex100 Connolly, Chris. A consumer perspective on the ND
IR Issues Paper, p 11\par\pard\li1418\sb55\sl-207\slmult0\fi566 \up0 \expndtw-1\
charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.ndir.gov.au/content/comm
issionedpapers/2011/consumer_perspective_sept_11.pdf/" }}{\fldrslt {\ul0\nosuper
sub\cf27\f28\fs18 http://www.ndir.gov.au/content/commissionedpapers/2011/consume
r_perspective_sept_11.pdf}}}\par\pard\li1418\sb52\sl-207\slmult0\fi0\tx1985 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 119\tab \up0 \expndtw-1\
charscalex100 Financial Ombudsman Service submission to the Natural Disaster Ins
urance Review, p 14\par\pard\li1418\sb52\sl-207\slmult0\fi566 \up0 \expndtw-1\ch
arscalex100 {\field{\*\fldinst {HYPERLINK "http://www.ndir.gov.au/content/submis
sions/issues_paper_submissions/Financial_Ombudsman_Service_Limited.pdf" }}{\fldr
slt {\ul0\nosupersub\cf27\f28\fs18 http://www.ndir.gov.au/content/submissions/is
sues_paper_submissions/Financial_Ombudsman_Service_Limited.}}}\par\pard\li1418\s
b55\sl-207\slmult0\fi566 \up0 \expndtw-2\charscalex100 {\field{\*\fldinst {HYPER
LINK "http://www.ndir.gov.au/content/submissions/issues_paper_submissions/Financ
ial_Ombudsman_Service_Limited.pdf" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 pd
f}}}\par\pard\ql \li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmul
t0 \par\pard\ql\li5804\sb86\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\no
supersub\cf6\f7\fs18 111
{\shp {\*\shpinst\shpleft1418\shptop9825\shpright4299\shpbottom9845\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz446\shplid0
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 2881}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(2881,20);(2881,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}

}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g117}{\bkmkend Pg117}\par\pard\ql \li6546\sb0\sl-207\slmult0 \par\pard\ql\li6546
\sb0\sl-207\slmult0 \par\pard\ql\li6546\sb14\sl-207\slmult0 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 14: Claims handling and dispute re
solution \par\pard\ql \li1418\sb0\sl-264\slmult0 \par\pard\ql\li1418\sb0\sl-264\
slmult0 \par\pard\ql\li1418\sb38\sl-264\slmult0 \up0 \expndtw-3\charscalex100 \u
l0\nosupersub\cf9\f10\fs28 G\ul0\nosupersub\cf10\f11\fs22 ENERAL \ul0\nosupersub
\cf9\f10\fs28 I\ul0\nosupersub\cf10\f11\fs22 NSURANCE \ul0\nosupersub\cf9\f10\fs
28 C\ul0\nosupersub\cf10\f11\fs22 ODE OF \ul0\nosupersub\cf9\f10\fs28 P\ul0\nosu
persub\cf10\f11\fs22 RACTICE \par\pard\ql \li1418\ri1217\sb240\sl-260\slmult0\tx
1985\tx1985\tx1985 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf4\f5\fs22 14.1
8.The Code\ul0\super\cf26\f27\fs20 120\ul0\nosupersub\cf4\f5\fs22 prescribes
minimum standards for the provision of insurance services to \line\tab
\up0 \expndtw-1\charscalex100 consumers from the sale of policies, claims handli
ng and dispute resolution procedures. It was \line\tab \up0 \expndtw0\charscalex
100 first introduced in 1994 by the Insurance Council, and membership is volunta
ry although the \line\tab \up0 \expndtw-3\charscalex100 majority of the general
insurers are signatories to the Code. \par\pard\qj \li1418\ri1209\sb240\sl-260\s
lmult0\tx1985 \up0 \expndtw-1\charscalex100 14.19.It provides minimum standards
for the way in which general insurance products are sold, such \line\tab \up0 \e
xpndtw-2\charscalex100 as circumstances for refusal of cover, correcting errors,
cancellation and sales conduct. \par\pard\ql \li1418\sb246\sl-253\slmult0 \up0
\expndtw-3\charscalex100 14.20.In relation to claims handling, it requires that
insurers: \par\pard\li1985\sb0\sl-253\slmult0\par\pard\li1985\sb11\sl-253\slmult
0\fi0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?
\tab \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 within 10 busines
s days of receiving a claim;\par\pard\li1985\sb246\sl-253\slmult0\fi566\tx3120 \
up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 -\tab \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf4\f5\fs22 notify the policyholder of the inform
ation needed to determine the claim;\par\pard\li1985\sb249\sl-253\slmult0\fi566\
tx3120 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8211?\tab \
up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 appoint a loss assessor
;\par\pard\li1985\sb246\sl-253\slmult0\fi566\tx3120 \up0 \expndtw-3\charscalex10
0 \ul0\nosupersub\cf20\f21\fs22 \u8211?\tab \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf4\f5\fs22 provide an initial assessment on the time needed to make d
ecision on the claim\par\pard\li1985\sb246\sl-253\slmult0\fi0\tx2551 \up0 \expnd
tw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf4\f5\fs22 keep the policyholder informed every 20 b
usiness days on the claims progress;\par\pard\li1985\sb249\sl-253\slmult0\fi0\tx
2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up
0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 respond to routine reques
ts from the policyholder for information every 10 business\par\pard\li1985\sb6\s
l-253\slmult0\fi566 \up0 \expndtw-3\charscalex100 days; and\par\pard\li1985\sb24
6\sl-253\slmult0\fi0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f
21\fs22 \u8226?\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 ma
ke a decision on the claim within 10 business days of receiving all necessary\pa
r\pard\li1985\sb9\sl-253\slmult0\fi566 \up0 \expndtw-3\charscalex100 information
;\par\pard\ql \li1418\ri1215\sb224\sl-260\slmult0\tx1985\tx1985 \up0 \expndtw-3\
charscalex100 14.21.If the time frames listed above are not practical due to the
complex nature of a claim, insurers \line\tab \up0 \expndtw-3\charscalex100 are
to agree to reasonable alternative time frames with the policyholder. If agreem
ent cannot \line\tab \up0 \expndtw-3\charscalex100 be reached, the insurer is to
notify of complaints handling procedures. \par\pard\ql \li1418\sb246\sl-253\slm
ult0 \up0 \expndtw-3\charscalex100 14.22.For denied claims, insurers are to prov
ide: \par\pard\li1985\sb0\sl-253\slmult0\par\pard\li1985\sb11\sl-253\slmult0\fi0
\tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab
\up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 written reasons for th
e decision;\par\pard\li1985\sb249\sl-253\slmult0\fi0\tx2551 \up0 \expndtw-3\char
scalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-3\charscalex10
0 \ul0\nosupersub\cf4\f5\fs22 information about complaints handling procedures;

and\par\pard\li1985\sb246\sl-253\slmult0\fi0\tx2551 \up0 \expndtw-3\charscalex10

0 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf4\f5\fs22 copies of reports from service providers relied on in asse
ssing the claim, if requested.\par\pard\ql \li1418\sb229\sl-253\slmult0 \up0 \ex
pndtw-2\charscalex100 14.23.In relation to claims resulting from natural disaste
rs, the Code: \par\pard\ql \li1985\sb247\sl-253\slmult0\tx2551 \up0 \expndtw-3\c
harscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226? \tab \up0 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf4\f5\fs22 allows for insurers to not meet the above time
lines and standards due to the large \par\pard\qj \li2551\ri1358\sb2\sl-260\slmu
lt0 \up0 \expndtw-2\charscalex100 number of claims and to establish their own pr
ocesses for responding to the disaster(s) \up0 \expndtw-3\charscalex100 (clauses
4.3 and 4.4 of the Code); and \par\pard\ql \li1985\sb246\sl-253\slmult0\tx2551
\up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226? \tab \up0 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 allows a claimant whose claim
was finalised within one month of the natural disaster to \par\pard\ql \li2551\
sb7\sl-253\slmult0 \up0 \expndtw-2\charscalex100 request a review of their claim
up to six months after the claim has been finalised. \par\pard\qj \li2551\ri144
2\sb2\sl-260\slmult0 \up0 \expndtw-2\charscalex100 Insurers are required to noti
fy the claimant of this entitlement and of their complaints \up0 \expndtw-3\char
scalex100 handling procedures (clause 4.5 of the Code). \par\pard\li1418\sb0\sl207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult
0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb7\sl-207\slmult0\fi0\tx19
85 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 120\tab \up0 \exp
ndtw-1\charscalex100 General Insurance Code of Practice, 2010. {\field{\*\fldins
t {HYPERLINK "http://www.codeofpractice.com.au/LinkClick.aspx?fileticket=-XTcClW
RFGo%3d&tabid=37" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://www.codeofpr
actice.com.au/LinkClick.aspx?fileticket=-}}}\par\pard\li1418\sb55\sl-207\slmult0
\fi566 \up0 \expndtw-2\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.c
odeofpractice.com.au/LinkClick.aspx?fileticket=-XTcClWRFGo%3d&tabid=37" }}{\fldr
slt {\ul0\nosupersub\cf27\f28\fs18 XTcClWRFGo%3d&tabid=37}}}\par\pard\ql \li5804
\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\s
b86\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf6\f7\fs18 112
{\shp {\*\shpinst\shpleft1418\shptop14765\shpright4299\shpbottom14785\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz633\shplid0
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 2881}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(2881,20);(2881,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g118}{\bkmkend Pg118}\par\pard\ql \li6546\sb0\sl-207\slmult0 \par\pard\ql\li6546
\sb0\sl-207\slmult0 \par\pard\ql\li6546\sb14\sl-207\slmult0 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 14: Claims handling and dispute re
solution \par\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb242\sl-25
3\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 14.24.For in
ternal disputes, the Code requires that insurers: \par\pard\li1985\sb0\sl-253\sl
mult0\par\pard\li1985\sb5\sl-253\slmult0\fi0\tx2551 \up0 \expndtw-3\charscalex10
0 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf4\f5\fs22 respond to the dispute within 15 business days if all nece
ssary information has been\par\pard\li1985\sb9\sl-253\slmult0\fi566 \up0 \expndt
w-3\charscalex100 received;\par\pard\li1985\sb246\sl-253\slmult0\fi0\tx2551 \up0
\expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndt
w-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 keep the policyholder informed of
the progress of the dispute at least every 10 business\par\pard\li1985\sb6\sl-25
3\slmult0\fi566 \up0 \expndtw-3\charscalex100 days;\par\pard\li1985\sb249\sl-253

\slmult0\fi0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22

\u8226?\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 give the p
olicyholder access to information relied upon in assessing the\par\pard\li1985\s
b6\sl-253\slmult0\fi566 \up0 \expndtw-3\charscalex100 claims/complaint (unless t
hey reasonably decline to do so);\par\pard\li1985\sb246\sl-253\slmult0\fi0\tx255
1 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \
expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 respond to the dispute givin
g;\par\pard\li1985\sb249\sl-253\slmult0\fi566\tx3120 \up0 \expndtw-3\charscalex1
00 \ul0\nosupersub\cf20\f21\fs22 -\tab \up0 \expndtw-3\charscalex100 \ul0\nosupe
rsub\cf4\f5\fs22 reasons for the decision;\par\pard\li1985\sb246\sl-253\slmult0\
fi566\tx3120 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8211?
\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 information on ho
w to access the EDR schemes (FOS) and the timeframe within\par\pard\li1985\sb7\s
l-253\slmult0\fi1135 \up0 \expndtw-3\charscalex100 which the policyholder must r
egister the dispute with FOS;\par\pard\li1985\sb248\sl-253\slmult0\fi0\tx2551 \u
p0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 advise the policyholder of their
rights lodge a complaint to FOS if the complaint has not\par\pard\li1985\sb6\sl
-253\slmult0\fi566 \up0 \expndtw-3\charscalex100 been resolved within 45 days.\p
ar\pard\qj \li1418\ri1236\sb230\sl-260\slmult0\tx1985 \up0 \expndtw0\charscalex1
03 14.25.Insurers\u8217? adherence of the Code is monitored by the Code Complian
ce Committee (CCC), a \line\tab \up0 \expndtw0\charscalex102 three person comm
ittee comprising a representative from industry \up0 \expndtw0\charscalex10
1 (appointed by the \par\pard\qj \li1985\ri1206\sb0\sl-260\slmult0 \up0 \expnd
tw-2\charscalex100 Insurance Council), a consumer representative (appointed by t
he FOS Board) and a chairperson \up0 \expndtw-3\charscalex100 (appointed jointly
by the FOS Board and the Insurance Council). \par\pard\ql \li1418\sb246\sl-253\
slmult0 \up0 \expndtw-3\charscalex100 14.26.The Code requires the CCC to: \par\p
ard\li1985\sb0\sl-253\slmult0\par\pard\li1985\sb6\sl-253\slmult0\fi0\tx2551 \up0
\expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndt
w-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 monitor Code compliance through re
ports it receives from FOS and its own\par\pard\li1985\sb7\sl-253\slmult0\fi566
\up0 \expndtw-3\charscalex100 investigations;\par\pard\li1985\sb249\sl-253\slmul
t0\fi0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226
?\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 report its findi
ngs to FOS and the Insurance Council and seek corrective action in the\par\pard\
li1985\sb6\sl-253\slmult0\fi566 \up0 \expndtw-3\charscalex100 event of a breach;
\par\pard\li1985\sb246\sl-253\slmult0\fi0\tx2551 \up0 \expndtw-3\charscalex100 \
ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-2\charscalex100 \ul0\nosu
persub\cf4\f5\fs22 impose sanctions because of failures by insurers to correct C
ode breaches. The sanctions\par\pard\li1985\sb9\sl-253\slmult0\fi566 \up0 \expnd
tw-3\charscalex100 available to the Committee include:\par\pard\li1985\sb246\sl
-253\slmult0\fi566\tx3120 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21
\fs22 -\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 a requirem
ent that steps be taken to rectify a breach within a specified time\par\pard\li1
985\sb6\sl-253\slmult0\fi1135 \up0 \expndtw-3\charscalex100 frame;\par\pard\li19
85\sb249\sl-253\slmult0\fi566\tx3120 \up0 \expndtw-3\charscalex100 \ul0\nosupers
ub\cf20\f21\fs22 -\tab \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22
a compliance audit be undertaken;\par\pard\li1985\sb246\sl-253\slmult0\fi566\tx
3120 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8211?\tab \up
0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 corrective advertising be
undertaken; and\par\pard\li1985\sb246\sl-253\slmult0\fi566\tx3120 \up0 \expndtw
-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8211?\tab \up0 \expndtw-3\chars
calex100 \ul0\nosupersub\cf4\f5\fs22 the non-compliance be published.\par\pard\q
l \li1418\sb0\sl-264\slmult0 \par\pard\ql\li1418\sb262\sl-264\slmult0 \up0 \expn
dtw-3\charscalex100 \ul0\nosupersub\cf9\f10\fs28 A\ul0\nosupersub\cf10\f11\fs22
MENDMENTS TO THE \ul0\nosupersub\cf9\f10\fs28 C\ul0\nosupersub\cf10\f11\fs22 ODE
OF \ul0\nosupersub\cf9\f10\fs28 P\ul0\nosupersub\cf10\f11\fs22 RACTICE \par\par
d\ql \li1418\ri1235\sb260\sl-260\slmult0\tx1985\tx1985\tx1985 \up0 \expndtw0\cha
rscalex100 \ul0\nosupersub\cf4\f5\fs22 14.27.Having reviewed the Code and the va

rious submissions, the Review Panel considers that a \line\tab \up0 \expndtw0\ch
arscalex100 stronger Code would address the concerns highlighted in the submissi
ons to this and other \line\tab \up0 \expndtw-3\charscalex100 reviews in relatio
n to claims and complaint handling, particularly if accompanied by enhanced \lin
e\tab \up0 \expndtw-4\charscalex100 sanctions. \par\pard\ql \li5804\sb0\sl-207\s
lmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slm
ult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmul
t0 \par\pard\ql\li5804\sb9\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nos
upersub\cf6\f7\fs18 113 \par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\s
b0\sl-240{\bkmkstart Pg119}{\bkmkend Pg119}\par\pard\ql \li6546\sb0\sl-207\slmul
t0 \par\pard\ql\li6546\sb0\sl-207\slmult0 \par\pard\ql\li6546\sb14\sl-207\slmult
0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 14: Claims h
andling and dispute resolution \par\pard\ql \li1418\sb0\sl-299\slmult0 \par\pard
\ql\li1418\sb218\sl-299\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf
18\f19\fs26 Membership of the Code \par\pard\ql \li1418\ri1231\sb234\sl-260\slmu
lt0\tx1985\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 14.2
8.The Review Panel notes that while most general insurers are signatories to the
Code, there are \line\tab \up0 \expndtw0\charscalex100 several insurers who are
not. This contrasts with FOS, of which currently all general insurers \line\tab
\up0 \expndtw-3\charscalex100 are members. \par\pard\qj \li1418\ri1219\sb240\sl
-260\slmult0\tx1985 \up0 \expndtw-2\charscalex100 14.29.The Review Panel conside
rs that as a condition of their membership of FOS, all general insurers \line\ta
b \up0 \expndtw-3\charscalex100 should be required to adopt and comply with the
Code. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb113\sl-253\s
lmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf44\f45\fs22 Recommendatio
n 38: \par\pard\qj \li1526\ri1343\sb242\sl-260\slmult0 \up0 \expndtw-2\charscale
x100 \ul0\nosupersub\cf4\f5\fs22 That every APRA-authorised general insurer adop
t and comply with the General Insurance Code of \line \up0 \expndtw-2\charscalex
100 Practice. \par\pard\ql \li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb209\
sl-299\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf18\f19\fs26 Time
limits on claim determination \par\pard\ql \li1418\ri1217\sb225\sl-270\slmult0\t
x1985\tx1985 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 14.30.The
Code includes certain time limits for claims handling, but these time-frames ar
e subject to \line\tab \up0 \expndtw0\charscalex107 extension if not practical d
ue to the complex nature of a claim. In these circumstances, \line\tab \up0 \exp
ndtw-3\charscalex100 insurers are to agree to reasonable time frames with the po
licyholder. \par\pard\ql \li1418\ri1222\sb210\sl-270\slmult0\tx1985\tx1985 \up0
\expndtw0\charscalex100 14.31.While the Code does include several 5, 10 and 20 b
usiness day time periods within which an \line\tab \up0 \expndtw0\charscalex100
insurer must meet certain claims obligations, there is no concrete aggregate tim
e limit within \line\tab \up0 \expndtw-3\charscalex100 which an insurer must mak
e a decision on a claim. \par\pard\ql \li1418\ri1223\sb219\sl-260\slmult0\tx1985
\tx1985\tx1985 \up0 \expndtw0\charscalex100 14.32.The 10 business day time perio
ds to make decisions only run from when an insurer has been \line\tab \up0 \expn
dtw0\charscalex100 provided with what it considers to be all relevant informatio
n and documentation, and even \line\tab \up0 \expndtw-1\charscalex100 that time
period can be varied. As such, a decision can be delayed for a lengthy period of
time \line\tab \up0 \expndtw-3\charscalex100 without necessarily violating the
Code. \par\pard\ql \li1418\ri1227\sb240\sl-260\slmult0\tx1985\tx1985\tx1985 \up0
\expndtw-2\charscalex100 14.33.The Review Panel is of the opinion that to provi
de consumers with a level of comfort that their \line\tab \up0 \expndtw0\charsca
lex100 claims will be handled in a timely manner and as a goal as to ensure that
insurers will process \line\tab \up0 \expndtw0\charscalex103 claims expeditiou
sly and not unduly delay claims, an aggregate time limit subject to \
line\tab \up0 \expndtw-3\charscalex100 exceptional circumstances is warranted. \
par\pard\ql \li1418\sb0\sl-257\slmult0 \par\pard\ql\li1418\ri1226\sb6\sl-257\slm
ult0\tx1985\tx1985\tx1985\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\char
scalex104 14.34.However, mandating time limits on claims may have adverse conseq
uences, notably that \line\tab \up0 \expndtw0\charscalex100 insurers may reject
claims they might otherwise have accepted if they had more time to fully \line\t

ab \up0 \expndtw0\charscalex100 assess them. For example, in some claims where i

t was necessary to determine whether the \line\tab \up0 \expndtw0\charscalex102
cause of inundation was storm or flood, insurers sought individual hydrology rep
orts which \line\tab \up0 \expndtw0\charscalex105 took considerable time but the
y argued these were obtained as second opinions to more \line\tab \up0 \expndtw1\charscalex100 general hydrology reports which were unfavourable to claimants.
In some cases, the obtaining \line\tab \up0 \expndtw0\charscalex100 of the furth
er hydrology reports led to claims being accepted. For example, on the 2 August,
\line\tab \up0 \expndtw0\charscalex104 one insurer paid 246 claims which it had
initially rejected based on new hydrology reports \line\tab \up0 \expndtw-3\cha
rscalex100 which it had commissioned.\ul0\super\cf26\f27\fs20 121 \par\pard\ql \
li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li
1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li14
18\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418
\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\s
b169\sl-207\slmult0\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f2
8\fs18 121 \tab \up0 \expndtw-1\charscalex100 The Australian \u8216?Insurance fi
rm RACQ approves 246 Queensland flood claims\u8217? 02/08/11 \par\pard\qj \li198
5\ri1726\sb10\sl-260\slmult0 \up0 \expndtw-1\charscalex100 {\field{\*\fldinst {H
YPERLINK "http://www.theaustralian.com.au/news/breaking-news/insurance-firm-racq
-approves-246-queensland-flood-claims/story-fn3dxity-1226106639062" }}{\fldrslt
{\ul0\nosupersub\cf27\f28\fs18 http://www.theaustralian.com.au/news/breaking-new
s/insurance-firm-racq-approves-246-queensland-flood-}}}\line \up0 \expndtw-2\cha
rscalex100 {\field{\*\fldinst {HYPERLINK "http://www.theaustralian.com.au/news/b
reaking-news/insurance-firm-racq-approves-246-queensland-flood-claims/story-fn3d
xity-1226106639062" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 claims/story-fn3d
xity-1226106639062}}} \par\pard\ql \li5804\sb0\sl-207\slmult0 \par\pard\ql\li580
4\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb90\sl-207\slmult0 \up0 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf6\f7\fs18 114
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{\shp {\*\shpinst\shpleft1418\shptop14505\shpright4299\shpbottom14525\shpfhdr0\s
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p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g120}{\bkmkend Pg120}\par\pard\ql \li6546\sb0\sl-207\slmult0 \par\pard\ql\li6546
\sb0\sl-207\slmult0 \par\pard\ql\li6546\sb14\sl-207\slmult0 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 14: Claims handling and dispute re
solution \par\pard\ql \li1418\sb0\sl-260\slmult0 \par\pard\ql\li1418\ri1213\sb23
0\sl-260\slmult0\tx1985\tx1985 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4
\f5\fs22 14.35.Insurers have also stated in their submissions to the Review that
it would be uneconomical for \line\tab \up0 \expndtw0\charscalex100 them to mee
t set time limits and this would be reflected in higher premiums,\ul0\super\cf26
\f27\fs20 122\ul0\nosupersub\cf4\f5\fs22 and that the \line\tab \up0 \expndtw-2
\charscalex100 timelines in the Code already meet reasonable consumer expectatio
ns.\ul0\super\cf26\f27\fs20 123 \par\pard\qj \li1418\ri1237\sb240\sl-260\slmult0
\tx1985 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 14.36.The Revie
w Panel notes insurers\u8217? concerns with time limits but considers that given
the large \line\tab \up0 \expndtw0\charscalex100 number of claims arising from
the 2010-2011 Queensland natural disasters and the fact that \par\pard\qj \li198
5\ri1218\sb0\sl-260\slmult0 \up0 \expndtw0\charscalex100 97 per cent were determ
ined within 4 months,\ul0\super\cf26\f27\fs20 124\ul0\nosupersub\cf4\f5\fs22 a
uniform four month time limit on claims \up0 \expndtw0\charscalex100 determinati
ons as to liability subject to exceptional circumstances would not be too onerou

s. \up0 \expndtw-2\charscalex100 This is particularly so, given that the introdu

ction of flood cover in home building, contents and \up0 \expndtw0\charscalex109
home unit policies would resolve the bulk of the delays caused by insurers need
ing to \up0 \expndtw-3\charscalex100 determine the cause of water damage. \par\p
ard\ql \li1418\ri1212\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985\tx1985\tx
1985\tx1985\tx1985 \up0 \expndtw-1\charscalex100 14.37.The Review Panel acknowle
dges that a claim can involve a number of decisions to be made by \line\tab \up0
\expndtw0\charscalex100 the insurer \u8212? what loss/damage was suffered, acce
ptance of liability, the quantum of losses, \line\tab \up0 \expndtw0\charscalex1
03 payments or repairs. Decisions with respect to quantum and repairs may have t
o be made \line\tab \up0 \expndtw0\charscalex100 many months after the event and
it would not be practical to impose the time limits on such \line\tab \up0 \exp
ndtw-1\charscalex100 decisions. However, at least with respect to decisions on t
he nature and the extent of damage \line\tab \up0 \expndtw0\charscalex105 and li
ability, the Review Panel believes that insurers should comfortably be able to m
ake \line\tab \up0 \expndtw-1\charscalex100 decisions within the proposed four m
onth time limit. Decisions regarding quantum, payments \line\tab \up0 \expndtw0\
charscalex105 and repairs would remain subject to the more general requirement t
o make decisions as \line\tab \up0 \expndtw-2\charscalex100 expeditiously as pos
sible and within the existing time periods in the Code. \par\pard\qj \li1418\ri1
231\sb240\sl-260\slmult0\tx1985 \up0 \expndtw0\charscalex103 14.38.If a claim is
not determined within the relevant period, the question is what consequences \l
ine\tab \up0 \expndtw-3\charscalex100 should apply. Options include: \par\pard\l
i1418\sb0\sl-253\slmult0\par\pard\li1418\sb5\sl-253\slmult0\fi566\tx2551 \up0 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf4\f5\fs22 notifying the policyholder of their r
ight to lodge an IDR complaint;\par\pard\li1418\sb247\sl-253\slmult0\fi566\tx255
1 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 automatic elevation of a cla
im to an IDR complaint/external dispute level;\par\pard\li1418\sb248\sl-253\slmu
lt0\fi566\tx2551 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8
226?\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 notification
to FOS or the CCC of the breach;\par\pard\li1418\sb247\sl-253\slmult0\fi566\tx25
51 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 reporting of breaches to AS
IC;\par\pard\li1418\sb246\sl-253\slmult0\fi566\tx2551 \up0 \expndtw-2\charscalex
100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-2\charscalex100 \ul0
\nosupersub\cf4\f5\fs22 a monetary penalty; and\par\pard\li1418\sb249\sl-253\slm
ult0\fi566\tx2551 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u
8226?\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 the claim be
determined in favour of the claimant.\par\pard\li1418\sb246\sl-253\slmult0\fi0
\up0 \expndtw-1\charscalex100 14.39.In the circumstances, the Review Panel recom
mends that a claim should automatically be\par\pard\li1418\sb6\sl-253\slmult0\fi
566 \up0 \expndtw-1\charscalex100 elevated by the insurer to an IDR complaint an
d the insurer must self report the breach to the\par\pard\li1418\sb9\sl-253\slmu
lt0\fi566 \up0 \expndtw-2\charscalex100 CCC.\par\pard\li1418\sb0\sl-207\slmult0\
par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\l
i1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\
sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slm
ult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb181\sl-207\slmult0\fi0
\tx1985 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 122\tab \up0
\expndtw-1\charscalex100 Suncorp submission to the Natural Disaster Insurance R
eview, p 18, 2011\par\pard\li1418\sb52\sl-207\slmult0\fi566 \up0 \expndtw-1\char
scalex100 {\field{\*\fldinst {HYPERLINK "http://www.ndir.gov.au/content/submissi
ons/issues_paper_submissions/suncorp.pdf" }}{\fldrslt {\ul0\nosupersub\cf27\f28\
fs18 http://www.ndir.gov.au/content/submissions/issues_paper_submissions/suncorp
.pdf}}}\par\pard\li1418\sb52\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-2\charscale
x100 \ul0\nosupersub\cf27\f28\fs18 123\tab \up0 \expndtw-2\charscalex100 IAG sub
mission to the Natural Disaster Insurance Review, p 24, 2011\par\pard\ql \li1985
\sb35\sl-216\slmult0 \up0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK

"http://www.ndir.gov.au/content/submissions/issues_paper_submissions/Insurance_
Australia_Group_(IAG).pdf" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://www
.ndir.gov.au/content/submissions/issues_paper_submissions/Insurance_Australia_Gr
oup_(IAG).pdf}}} \par\pard\ql \li1418\sb52\sl-207\slmult0\tx1985 \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf27\f28\fs18 124 \tab \up0 \expndtw-1\charscalex
100 Insurance Council of Australia, 2011. \u8216?QLD Insurance Claims Assessment
s Near Completion\u8217? Media Release \par\pard\qj \li1985\ri1300\sb10\sl-260\s
lmult0 \up0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.i
nsurancecouncil.com.au/Portals/24/Media%20Centre/2011%20Media%20Releases/110510%
20MR%20ICA%20payout%20update_F.pdf" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 h
ttp://www.insurancecouncil.com.au/Portals/24/Media%20Centre/2011%20Media%20Relea
ses/110510%20MR%2}}} \line \up0 \expndtw-2\charscalex100 {\field{\*\fldinst {HYP
ERLINK "http://www.insurancecouncil.com.au/Portals/24/Media%20Centre/2011%20Medi
a%20Releases/110510%20MR%20ICA%20payout%20update_F.pdf" }}{\fldrslt {\ul0\nosupe
rsub\cf27\f28\fs18 0ICA%20payout%20update_F.pdf}}} \par\pard\ql \li5804\sb0\sl-2
07\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb90\sl-20
7\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf6\f7\fs18 115
{\shp {\*\shpinst\shpleft1418\shptop13466\shpright4299\shpbottom13486\shpfhdr0\s
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g121}{\bkmkend Pg121}\par\pard\ql \li6546\sb0\sl-207\slmult0 \par\pard\ql\li6546
\sb0\sl-207\slmult0 \par\pard\ql\li6546\sb14\sl-207\slmult0 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 14: Claims handling and dispute re
solution \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb0\sl-253\
slmult0 \par\pard\ql\li1526\sb129\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \
ul0\nosupersub\cf44\f45\fs22 Recommendation 39: \par\pard\qj \li1526\ri1334\sb24
2\sl-260\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That t
he Insurance Council of Australia amend the Code of Practice to impose a four mo
nth time \up0 \expndtw-1\charscalex100 limit (subject to exceptional circumstanc
es) to make a determination as to liability and the nature \up0 \expndtw-3\chars
calex100 of the loss or damage with respect to a claim. \par\pard\qj \li1526\ri1
329\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex102 That, should a claimant no
t receive a determination within the four month period, the claim be \up0 \expnd
tw-2\charscalex100 automatically escalated to an internal dispute resolution com
plaint and the insurer notify the Code \up0 \expndtw-3\charscalex100 Compliance
Committee of the breach of the Code. \par\pard\ql \li1418\sb0\sl-299\slmult0 \pa
r\pard\ql\li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb150\sl-299\slmult0 \up
0 \expndtw-3\charscalex100 \ul0\nosupersub\cf18\f19\fs26 Claims handling after n
atural disasters \par\pard\qj \li1418\ri1225\sb234\sl-260\slmult0\tx1985 \up0 \e
xpndtw0\charscalex104 \ul0\nosupersub\cf4\f5\fs22 14.40.Clauses 4.3 and 4.4 of t
he Code relieve insurers of the need to meet the minimum claims \line\tab \up0 \
expndtw-3\charscalex100 standards set out in the Code following natural disaster
s. \par\pard\ql \li1418\ri1231\sb240\sl-260\slmult0\tx1985\tx1985 \up0 \expndtw1\charscalex100 14.41.As a result, there are no uniform claims handling minimum
standards for insurers in the event \line\tab \up0 \expndtw0\charscalex100 of a
natural disaster, and therefore no set standards by which the industry\u8217?s p
erformance can \line\tab \up0 \expndtw-3\charscalex100 be assessed by the CCC. \
par\pard\ql \li1418\ri1210\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985\tx19
85 \up0 \expndtw0\charscalex100 14.42.The Review Panel acknowledges that insurer
s\u8217? claims handling systems come under pressure \line\tab \up0 \expndtw0\ch
arscalex107 following natural disasters. However, by far the most pressure co

mes from having to \line\tab \up0 \expndtw0\charscalex106 determine whether the

damage to properties was due to storm or flood \u8212? which, if the \line\tab
\up0 \expndtw0\charscalex108 recommendations elsewhere in this report are accept
ed and implemented, will largely \line\tab \up0 \expndtw0\charscalex100 disappea
r. Further, it is arguable that after natural disasters, consumers are more vuln
erable, \line\tab \up0 \expndtw-2\charscalex100 stressed and in need of greater
protection in having their insurance claims assessed. \par\pard\ql \li1418\ri122
0\sb240\sl-260\slmult0\tx1985\tx1985 \up0 \expndtw0\charscalex100 14.43.Accordin
gly, in the Review Panel\u8217?s opinion, the usual claims handling standards sh
ould apply \line\tab \up0 \expndtw-1\charscalex100 following a natural disaster
and that the four month time limit set out in Recommendation 39 \line\tab \up0 \
expndtw-3\charscalex100 should also apply following natural disasters. \par\pard
\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb113\sl-253\slmult0 \up0 \ex
pndtw-3\charscalex100 \ul0\nosupersub\cf44\f45\fs22 Recommendation 40: \par\pard
\qj \li1526\ri1329\sb242\sl-260\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf4\f5\fs22 That the Insurance Council of Australia repeal clauses 4.3 and
4.4 of the General Insurance Code of \up0 \expndtw0\charscalex100 Practice, so
that claims arising from natural disasters are subject to the same minimum stand
ards \up0 \expndtw0\charscalex104 as other claims \u8212? including the four mon
th time limit for a determination on liability and the \up0 \expndtw-3\charscale
x100 nature of the loss/damage with respect to the claim. \par\pard\ql \li1418\s
b0\sl-299\slmult0 \par\pard\ql\li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb1
50\sl-299\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf18\f19\fs26 Re
view of natural disaster claims \par\pard\ql \li1418\ri1218\sb225\sl-270\slmult0
\tx1985\tx1985 \up0 \expndtw0\charscalex107 \ul0\nosupersub\cf4\f5\fs22 14.44.Pu
rsuant to clause 4.5 of the Code, in the event of a natural disaster, should a c
laim be \line\tab \up0 \expndtw0\charscalex100 finalised within one month of the
natural disaster, a policyholder can seek a review of a claim \line\tab \up0 \e
xpndtw-2\charscalex100 within a further 6 months \u8212? even if the policyholde
r has signed a release. \par\pard\ql \li1418\ri1218\sb215\sl-264\slmult0\tx1985\
tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex103 14.45.At first glance i
t may appear strange that a six month time limit is placed on a policyholder \li
ne\tab \up0 \expndtw0\charscalex108 requesting a review of a decision by the ins
urer, as this appears to circumvent the IDR \line\tab \up0 \expndtw-1\charscalex
100 complaints handling procedures. However, what the provision is in fact desig
ned to achieve is \line\tab \up0 \expndtw-1\charscalex100 to provide a policyhol
der whose claim arising out of a natural disaster was finalised quickly (by \lin
e\tab \up0 \expndtw0\charscalex102 consent) with the opportunity to make further
claims for lost or damaged items which they \line\tab \up0 \expndtw-2\charscale
x100 later discover \u8212? even if they have signed a release to finalise the c
laim. \par\pard\ql \li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slm
ult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb43\sl-207\slmu
lt0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf6\f7\fs18 116
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{\shp {\*\shpinst\shpleft1526\shptop11107\shpright10385\shpbottom11486\shpfhdr0\
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g122}{\bkmkend Pg122}\par\pard\ql \li6546\sb0\sl-207\slmult0 \par\pard\ql\li6546
\sb0\sl-207\slmult0 \par\pard\ql\li6546\sb14\sl-207\slmult0 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 14: Claims handling and dispute re
solution \par\pard\qj \li1418\sb0\sl-260\slmult0 \par\pard\qj\li1418\ri1223\sb23
0\sl-260\slmult0\tx1985 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf4\f5\fs22

14.46.This provision is poorly worded and needs to be amended to ensure that it

does not in fact \line\tab \up0 \expndtw-3\charscalex100 restrict a consumer\u8
217?s right to lodge IDR and EDR complaints. \par\pard\ql \li1418\ri1210\sb240\s
l-260\slmult0\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex105 14.47.Fur
ther, the limitation of its application to claims finalised within one month of
a natural \line\tab \up0 \expndtw-2\charscalex100 disaster is too limited given
that many natural disaster claims will not be finalised within such a \line\tab
\up0 \expndtw-2\charscalex100 short period of time. Whilst the risk of not accur
ately assessing losses is greater the shorter the \line\tab \up0 \expndtw0\chars
calex108 claim finalisation period, natural disasters by their nature often lead
to dislocation and \line\tab \up0 \expndtw-3\charscalex100 disorientation for p
olicyholders over a significant period of time. \par\pard\ql \li1418\ri1218\sb24
0\sl-260\slmult0\tx1985\tx1985 \up0 \expndtw-2\charscalex100 14.48.The Review Pa
nel therefore considers that the right of review should be available regardless
of \line\tab \up0 \expndtw0\charscalex100 the period within which the claim was
finalised, as long as the aggregate time frame of seven \line\tab \up0 \expndtw3\charscalex100 months from when the natural disaster occurred is maintained. \p
ar\pard\ql \li1418\ri1210\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985 \up0
\expndtw0\charscalex100 14.49.It is also noteworthy that the Code requires insur
ers to inform policyholders of their right of \line\tab \up0 \expndtw0\charscale
x105 review where their claim is finalised within one month. Five insurers have
failed to notify \line\tab \up0 \expndtw-1\charscalex100 policyholders of their
right to review under this clause after the 2010-2011 disasters, resulting \line
\tab \up0 \expndtw-2\charscalex100 in 3,549 consumers not being notified of thei
r rights.\ul0\super\cf26\f27\fs20 125\ul0\nosupersub\cf4\f5\fs22 Clearly, this
important requirement has \line\tab \up0 \expndtw-2\charscalex100 not been fully
complied with and insurer compliance is in need of regular audits. \par\pard\ql
\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb113\sl-253\slmult0 \up0 \expnd
tw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recommendation 41: \par\pard\qj
\li1526\ri1316\sb122\sl-260\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf4\f5\fs22 That the Insurance Council of Australia amend clause 4.5 of the G
eneral Insurance Code of Practice \up0 \expndtw0\charscalex105 to extend the tim
e within which claimants in natural disasters have the right to make further \up
0 \expndtw0\charscalex100 claims or lodge reviews after the finalisation of an i
nitial claim to seven months from the date of \up0 \expndtw-2\charscalex100 the
relevant natural disaster, regardless of when the initial claim was finalised. \
par\pard\ql \li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb209\sl-299\slmult0
\up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf18\f19\fs26 Dispute Resolution \
par\pard\qj \li1418\ri1214\sb234\sl-260\slmult0\tx1985 \up0 \expndtw0\charscalex
104 \ul0\nosupersub\cf4\f5\fs22 14.50.The Code sets procedures for policyholders
to lodge complaints as to claims handling and \line\tab \up0 \expndtw-2\charsca
lex100 disputes with respect to insurers\u8217? decisions and responses to compl
aints.\ul0\super\cf26\f27\fs20 126 \par\pard\qj \li1418\ri1214\sb240\sl-260\slmu
lt0\tx1985 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 14.51.The Co
de sets an overarching 45 day time limit for resolution of complaints, failing w
hich the \line\tab \up0 \expndtw-2\charscalex100 policyholder is to be notified
of their right to lodge a complaint to FOS or to seek legal advice. \par\pard\ql
\li1418\ri1227\sb240\sl-260\slmult0\tx1985\tx1985\tx1985 \up0 \expndtw0\charsca
lex100 14.52.The major problems expressed with insurers\u8217? IDR processes by
consumer representatives to \line\tab \up0 \expndtw0\charscalex100 the Review an
d other forums has been uncertainty about the point of entry to IDR and delays \
line\tab \up0 \expndtw0\charscalex100 in having IDR complaints allocated and dec
ided without informing policyholders of their right \line\tab \up0 \expndtw-3\ch
arscalex100 to lodge complaints with FOS.\ul0\super\cf26\f27\fs20 127 \par\pard\
ql \li1418\ri1210\sb240\sl-260\slmult0\tx1985\tx1985\tx1985 \up0 \expndtw0\chars
calex103 \ul0\nosupersub\cf4\f5\fs22 14.53.Some insurers have multi-tiered revie
w/complaints mechanisms which result in significant \line\tab \up0 \expndtw-1\ch
arscalex100 delays beyond 45 days in having complaints finalised from when a pol
icyholder indicates their \line\tab \up0 \expndtw0\charscalex102 intention to ch
allenge an original decision on a claim. This, it is argued, has led to consumer

\line\tab \up0 \expndtw-2\charscalex100 fatigue and significant number of polic

yholders not pursuing legitimate claims. \par\pard\li1418\sb0\sl-207\slmult0\par
\pard\li1418\sb0\sl-207\slmult0\par\pard\li1418\sb0\sl-207\slmult0\par\pard\li14
18\sb0\sl-207\slmult0\par\pard\li1418\sb149\sl-207\slmult0\fi0\tx1985 \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf27\f28\fs18 125\tab \up0 \expndtw0\charsca
lex100 Financial Ombudsman Submission to the House of Representatives Inquiry in
to the operation of the insurance\par\pard\li1418\sb52\sl-207\slmult0\fi566 \up0
\expndtw-1\charscalex100 industry during disaster events, p 10, 2011\par\pard\l
i1418\sb52\sl-207\slmult0\fi566 \up0 \expndtw-1\charscalex100 {\field{\*\fldinst
{HYPERLINK "http://www.aph.gov.au/house/committee/spla/insurance/submissions.ht
m" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://www.aph.gov.au/house/commit
tee/spla/insurance/submissions.htm}}}\par\pard\li1418\sb55\sl-207\slmult0\fi0\tx
1985 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf27\f28\fs18 126\tab \up0 \e
xpndtw0\charscalex100 General Insurance Code of Practice, pp 10-11, 2010 {\field
{\*\fldinst {HYPERLINK "http://www.codeofpractice.com.au/LinkClick.aspx?filetick
et=-XTcClWRFGo%3d&tabid=37" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://ww
w.codeofpractice.com.au/LinkClick.aspx?fileticket=-}}}\par\pard\li1418\sb52\sl-2
07\slmult0\fi566 \up0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "ht
tp://www.codeofpractice.com.au/LinkClick.aspx?fileticket=-XTcClWRFGo%3d&tabid=37
" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 XTcClWRFGo%3d&tabid=37}}}\par\pard\
li1418\sb52\sl-207\slmult0\fi0\tx1985\tx10077 \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf27\f28\fs18 127\tab \up0 \expndtw0\charscalex100 Insurance Law S
ervice Submission to the Review of the General Insurance Code of Prac
tice,\tab \up0 \expndtw-1\charscalex100 2009.\par\pard\li1418\sb55\sl-207\slmult
0\fi566 \up0 \expndtw0\charscalex100 {\field{\*\fldinst {HYPERLINK "http://codeo
fpracticereview.com.au/LinkClick.aspx?fileticket=kvEdrelirSw%3d&tabid=97&mid=483
" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://codeofpracticereview.com.au/
LinkClick.aspx?fileticket=kvEdrelirSw%3d&tabid=97&mid=483}}}\par\pard\ql \li5804
\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\s
b86\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf6\f7\fs18 117
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{\shp {\*\shpinst\shpleft1418\shptop13466\shpright4299\shpbottom13486\shpfhdr0\s
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p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g123}{\bkmkend Pg123}\par\pard\ql \li6546\sb0\sl-207\slmult0 \par\pard\ql\li6546
\sb0\sl-207\slmult0 \par\pard\ql\li6546\sb14\sl-207\slmult0 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 14: Claims handling and dispute re
solution \par\pard\ql \li1418\sb0\sl-260\slmult0 \par\pard\ql\li1418\ri1219\sb23
0\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex100
\ul0\nosupersub\cf4\f5\fs22 14.54.The other problem identified by consumer repr
esentatives is that IDR complaints officers are \line\tab \up0 \expndtw0\charsca
lex102 not sufficiently independent of the original claims handlers and do not n
ecessarily have the \line\tab \up0 \expndtw0\charscalex100 authority to pay clai
ms, thereby undermining the integrity of the dispute resolution process. \line\t
ab \up0 \expndtw0\charscalex107 Some insurers have defended multi-tiered IDR pro
cesses on the basis that they provide \line\tab \up0 \expndtw0\charscalex102 con
sumers with further opportunities to have claims that would otherwise be denied
to be \line\tab \up0 \expndtw-3\charscalex100 reviewed and paid after being cons
idered by \u8216?a fresh set of eyes\u8217?. \par\pard\ql \li1418\ri1229\sb240\s
l-260\slmult0\tx1985\tx1985 \up0 \expndtw0\charscalex103 14.55.Whilst there is s
ome merit in this suggestion, it is the Review Panel\u8217?s opinion that any su
ch \line\tab \up0 \expndtw0\charscalex105 reviews should be encompassed within a
n aggregate 45 day complaints process to avoid \line\tab \up0 \expndtw-3\charsca
lex100 consumers being lost in a maze. \par\pard\qj \li1418\ri1225\sb240\sl-260\
slmult0\tx1985 \up0 \expndtw-2\charscalex100 14.56.It is the Review Panel\u8217?
s opinion that the claims and IDR complaints processes should be robust, \line\t
ab \up0 \expndtw-3\charscalex100 timely, transparent and easy to navigate. \par\
pard\qj \li1418\ri1233\sb240\sl-260\slmult0\tx1985 \up0 \expndtw0\charscalex102
14.57.The Consumer Perspective Paper proposes that a general fairness test be ap
plied to claims \line\tab \up0 \expndtw-3\charscalex100 handling. \par\pard\ql \
li1418\ri1226\sb240\sl-260\slmult0\tx1985\tx1985\tx1985 \up0 \expndtw0\charscale
x100 14.58.Section 13 of the Act imposes a duty of the utmost good faith on the
parties to an insurance \line\tab \up0 \expndtw0\charscalex109 contract and the
FOS rules include that FOS \u8216?will do what in its opinion is fair in all the
\line\tab \up0 \expndtw0\charscalex107 circumstances \u8230?\u8217? (rule 8.2).
Further, the Code also imposes obligations on participating \line\tab \up0 \exp
ndtw-3\charscalex100 insurers to act fairly (clauses 1.2 and 3.6). \par\pard\ql
\li1418\ri1225\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\c
harscalex107 14.59.Nevertheless, given the concerns expressed after the recent n
atural disasters by some \line\tab \up0 \expndtw0\charscalex100 policyholders an
d their representatives of difficulties they have experienced in having claims \
line\tab \up0 \expndtw0\charscalex100 and complaints dealt with, it is the Revie
w Panel\u8217?s view that a general fairness test in claims \line\tab \up0 \expn
dtw0\charscalex103 and complaints handling should be inserted into the Code. Thi
s could enhance consumers\u8217? \line\tab \up0 \expndtw-3\charscalex100 claims
experience and the industry\u8217?s reputation. \par\pard\ql \li1526\sb0\sl-253\
slmult0 \par\pard\ql\li1526\sb113\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \
ul0\nosupersub\cf16\f17\fs22 Recommendation 42 \par\pard\qj \li1526\ri1345\sb122
\sl-260\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That th
e Insurance Council of Australia amend the General Insurance Code of Practice to
require \line \up0 \expndtw-3\charscalex100 that: \par\pard\ql \li2093\ri1409\s
b240\sl-260\slmult0\tx2378\tx2378 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\
cf20\f21\fs22 \u8226?\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22
internal dispute resolution processes be independent of the claims handling de
partment \line\tab \up0 \expndtw-2\charscalex100 and the internal dispute resolu
tion officers have the authority to overturn the original \line\tab \up0 \expndt
w-3\charscalex100 decisions and to accept claims; \par\pard\ql \li2093\ri1371\sb

240\sl-260\slmult0\tx2378\tx2378\tx2378 \up0 \expndtw-3\charscalex100 \ul0\nosup

ersub\cf20\f21\fs22 \u8226?\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5
\fs22 internal dispute resolution complaints be finalised within an aggregate
of 45 days and if \line\tab \up0 \expndtw-2\charscalex100 this time limit is not
met, the insurer to advise the claimant of his or her right to lodge an \line\t
ab \up0 \expndtw-2\charscalex100 external dispute resolution complaint with the
Financial Ombudsman Service (if \line \tab \up0 \expndtw-3\charscalex100 applica
ble) and to seek independent legal advice; \par\pard\qj \li2093\ri1795\sb240\sl260\slmult0\tx2378 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \
u8226?\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 time limits o
n internal dispute resolution complaints commence immediately after a \line\tab
\up0 \expndtw-3\charscalex100 policyholder notifies the insurer of a complaint,
whether verbally or in writing; and \par\pard\ql \li2093\sb246\sl-253\slmult0 \u
p0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\ul0\nosupersub
\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 a general fairness test be applied
to claims and complaints handling. \par\pard\ql \li1418\sb0\sl-299\slmult0 \par
\pard\ql\li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb151\sl-299\slmult0 \up0
\expndtw-5\charscalex100 \ul0\nosupersub\cf18\f19\fs26 Code Compliance Committe
e \par\pard\qj \li1418\ri1232\sb234\sl-260\slmult0\tx1985 \up0 \expndtw-4\charsc
alex100 \ul0\nosupersub\cf4\f5\fs22 14.60.The CCC monitors alleged breaches of t
he Code and conducts audits of insurers participating in \line\tab \up0 \expndtw
-4\charscalex100 the Code. \par\pard\ql \li5804\sb0\sl-207\slmult0 \par\pard\ql\
li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li
5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb156\sl-207\slmult0 \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf6\f7\fs18 118
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{\shp {\*\shpinst\shpleft1526\shptop9803\shpright10385\shpbottom10063\shpfhdr0\s
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{\shp {\*\shpinst\shpleft1526\shptop10063\shpright10385\shpbottom10322\shpfhdr0\
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{\shp {\*\shpinst\shpleft1526\shptop10823\shpright10385\shpbottom11083\shpfhdr0\
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}}
{\shp {\*\shpinst\shpleft1526\shptop12362\shpright10385\shpbottom12864\shpfhdr0\
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{\shp {\*\shpinst\shpleft1526\shptop12863\shpright10385\shpbottom13244\shpfhdr0\
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 381}}
{\sp{\sn pVerticies}{\sv 8;5;(1,380);(8859,380);(8859,1);(1,1);(1,380)}}
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89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g124}{\bkmkend Pg124}\par\pard\ql \li6546\sb0\sl-207\slmult0 \par\pard\ql\li6546
\sb0\sl-207\slmult0 \par\pard\ql\li6546\sb14\sl-207\slmult0 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 14: Claims handling and dispute re
solution \par\pard\ql \li1418\sb0\sl-260\slmult0 \par\pard\ql\li1418\ri1231\sb23
0\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex100 \ul0\n
osupersub\cf4\f5\fs22 14.61.The CCC is currently appointed by a combination of t
he FOS Board and the Insurance Council \line\tab \up0 \expndtw0\charscalex102 an
d is housed within FOS. This appointment regime has been in place for many years
and is \line\tab \up0 \expndtw-1\charscalex100 not consistent with the appointm
ent process adopted by FOS itself for the appointment of the \line\tab \up0 \exp
ndtw0\charscalex107 members of its Panels \u8212? a consumer representative, an
industry representative and an \line\tab \up0 \expndtw-3\charscalex100 ombudsman
. \par\pard\ql \li1418\ri1233\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985\t
x1985\tx1985 \up0 \expndtw-1\charscalex100 14.62.The FOS Panel appointment proce
ss was adopted in the early 2000s by two of its predecessor \line\tab \up0 \expn
dtw0\charscalex103 schemes, the Financial Industry Complaints Service and the In
surance Ombudsman Service \line\tab \up0 \expndtw0\charscalex107 following a rev
iew. Under that process, the consumer and industry representatives are \line\tab
\up0 \expndtw0\charscalex102 appointed by a committee appointed by the FOS Boar
d following a merits selection process \line\tab \up0 \expndtw0\charscalex106 th
at includes input by relevant consumer and industry groups respectively. The rel
evant \line\tab \up0 \expndtw0\charscalex100 ombudsman is also appointed by a se
lection committee appointed by the FOS Board after a \line\tab \up0 \expndtw-3\c
harscalex100 merits selection process. \par\pard\ql \li1418\ri1214\sb240\sl-260\
slmult0\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex102 14.63.It
appears to the Review Panel that the above FOS appointments process is superior
to that \line\tab \up0 \expndtw0\charscalex100 under the Code as it has a great
er level of independence, transparency and quality control. In \line\tab \up0 \e
xpndtw0\charscalex100 contrast, the chair of the CCC, for example, whilst appoin
ted by the FOS Board, is nominated \line\tab \up0 \expndtw0\charscalex100 solely
by the Insurance Council. Accordingly, the Review Panel recommends that section
7.13 \line\tab \up0 \expndtw0\charscalex103 of the Code be amended to alter the
appointment for all of the CCC members to align with \line\tab \up0 \expndtw-2\
charscalex100 that for the appointment of an ombudsman and of Panel members unde
r the FOS rules. \par\pard\ql \li1418\ri1214\sb240\sl-260\slmult0\tx1985\tx1985\

tx1985 \up0 \expndtw0\charscalex102 14.64.Under the current Code, the CCC receiv
es reports of Code breaches from FOS and conducts \line\tab \up0 \expndtw0\chars
calex100 audits of insurers. Its role could be expanded to receive, record and i
nvestigate self-reported \line\tab \up0 \expndtw-2\charscalex100 breaches from i
nsurers, and reports from policyholders, the general public and ASIC. Serious or
\line\tab \up0 \expndtw-3\charscalex100 systemic breaches could also be reporte
d directly to ASIC. \par\pard\ql \li1418\ri1219\sb240\sl-260\slmult0\tx1985\tx19
85 \up0 \expndtw0\charscalex100 14.65.It could also publicly release breaches of
the Code. As a matter of practice, the CCC currently \line\tab \up0 \expndtw0\c
harscalex100 compiles an annual report which is made available to FOS and the In
surance Council to only. \line\tab \up0 \expndtw-3\charscalex100 The report prov
ides aggregate statistics on a de-identified basis. \par\pard\ql \li1418\ri1217\
sb240\sl-260\slmult0\tx1985\tx1985 \up0 \expndtw0\charscalex106 14.66.The Review
Panel is of the opinion that the role of the CCC should be to closely monitor \
line\tab \up0 \expndtw0\charscalex105 compliance of the Code by insurers, invest
igate breaches where appropriate and publicly \line\tab \up0 \expndtw-3\charscal
ex100 publish breaches and outcomes, identifying all relevant insurers. \par\par
d\ql \li1418\ri1237\sb240\sl-260\slmult0\tx1985\tx1985 \up0 \expndtw0\charscalex
100 14.67.Public transparency of compliance and non-compliance with the Code by
individual insurance \line\tab \up0 \expndtw-1\charscalex100 companies would pro
vide a reference point for comparative performance and drive improved \line\tab
\up0 \expndtw-3\charscalex100 behaviour. \par\pard\ql \li5804\sb0\sl-207\slmult0
\par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \
par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \pa
r\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\
pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pa
rd\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard
\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\q
l\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\
li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li
5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li58
04\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804
\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\s
b0\sl-207\slmult0 \par\pard\ql\li5804\sb56\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf6\f7\fs18 119 \par\pard\sect\sectd\fs24\paperw11900\pa
perh16820\pard\sb0\sl-240{\bkmkstart Pg125}{\bkmkend Pg125}\par\pard\ql \li6546\
sb0\sl-207\slmult0 \par\pard\ql\li6546\sb0\sl-207\slmult0 \par\pard\ql\li6546\sb
14\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs18 Chap
ter 14: Claims handling and dispute resolution \par\pard\ql \li1526\sb0\sl-253\s
lmult0 \par\pard\ql\li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526\sb129\sl-253\s
lmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Recommendatio
n 43 \par\pard\qj \li1526\ri1329\sb122\sl-260\slmult0 \up0 \expndtw0\charscalex1
00 \ul0\nosupersub\cf4\f5\fs22 That the Insurance Council of Australia amend the
General Insurance Code of Practice such that \up0 \expndtw-3\charscalex100 the
General Insurance Code Compliance Committee: \par\pard\ql \li1560\sb246\sl-253\s
lmult0\tx2126 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226
? \tab \up0 \expndtw0\charscalex105 \ul0\nosupersub\cf4\f5\fs22 be appointed in
the same manner as FOS Panels, with the independent chair and the \par\pard\qj \
li2126\ri1324\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex107 consumer and indus
try representatives to be appointed in the same manner as the \up0 \expndtw-3\ch
arscalex100 ombudsman and panel members are appointed under the FOS rules; \par\
pard\li1560\sb252\sl-253\slmult0\fi0\tx2126 \up0 \expndtw0\charscalex101 \ul0\no
supersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw0\charscalex102 \ul0\nosupersub\
cf4\f5\fs22 have the authority and resources to record all breaches of the Code
reported to it, to\par\pard\li1560\sb6\sl-253\slmult0\fi566 \up0 \expndtw0\chars
calex102 investigate breaches of the Code where appropriate and to conduct regul
ar audits of\par\pard\li1560\sb9\sl-253\slmult0\fi566 \up0 \expndtw0\charscalex1
01 insurance companies for compliance with the Code;\par\pard\li1560\sb246\sl-25
3\slmult0\fi0\tx2126 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf20\f21\fs22
\u8226?\tab \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf4\f5\fs22 report seri

ous or systemic breaches of the Code directly to ASIC; and\par\pard\li1560\sb246

\sl-253\slmult0\fi0\tx2126 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf20\f21
\fs22 \u8226?\tab \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf4\f5\fs22 publi
cly release annual reports as to Code compliance and breaches, with insurers to
be\par\pard\ql \li2126\sb2\sl-253\slmult0 \up0 \expndtw-3\charscalex100 identifi
ed in the reports. \par\pard\ql \li1418\sb0\sl-299\slmult0 \par\pard\ql\li1418\s
b0\sl-299\slmult0 \par\pard\ql\li1418\sb151\sl-299\slmult0 \up0 \expndtw-5\chars
calex100 \ul0\nosupersub\cf18\f19\fs26 Review of the Code \par\pard\ql \li1418\r
i1207\sb234\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex
100 \ul0\nosupersub\cf4\f5\fs22 14.68.Some consumer representatives have argued
that a claims handling standard must go further \line\tab \up0 \expndtw0\charsca
lex104 than the Code and that the best mechanism would be through regulation, su
ch as an ASIC \line\tab \up0 \expndtw-2\charscalex100 Regulatory Guide.\ul0\supe
r\cf26\f27\fs20 128\ul0\nosupersub\cf4\f5\fs22 Whilst there is a Regulatory Gu
ide for dispute resolution (RG165), there is \line\tab \up0 \expndtw0\charscalex
106 no Regulatory Guide which applies to claims handling practices. Instead, ins
urers\u8217? claims \line\tab \up0 \expndtw-2\charscalex100 handling is regulate
d by a combination of the Code, the \ul0\nosupersub\cf19\f20\fs22 Insurance Cont
racts Act 1984\ul0\nosupersub\cf4\f5\fs22 and FOS. \par\pard\ql \li1418\ri1231\
sb240\sl-260\slmult0\tx1985\tx1985 \up0 \expndtw0\charscalex100 14.69.Having rev
iewed the processes, the Review Panel considers that the Code should be first be
\line\tab \up0 \expndtw0\charscalex105 strengthened, implemented and then revie
wed as to its\u8217? effectiveness before any moves \line\tab \up0 \expndtw-3\ch
arscalex100 towards government regulation. \par\pard\ql \li1418\ri1231\sb240\sl260\slmult0\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex100 14.7
0.The Review Panel considers that strengthening the Code should provide sufficie
nt consumer \line\tab \up0 \expndtw0\charscalex100 protection and that it would
be appropriate to allow time for the measures outlined above to \line\tab \up0 \
expndtw0\charscalex109 work. A review of the Code should them be conducted after
three years to assess the \line\tab \up0 \expndtw0\charscalex103 effectiveness
of self-regulation. If the review finds that the Code does not meet
the \line\tab \up0 \expndtw0\charscalex103 expectations and needs of consume
rs, a claims handling Regulatory Guide should be \line\tab \up0 \expndtw3\charscalex100 implemented. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\q
l\li1526\sb113\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16
\f17\fs22 Recommendation 43 \par\pard\qj \li1526\ri1332\sb122\sl-260\slmult0 \up
0 \expndtw0\charscalex107 \ul0\nosupersub\cf4\f5\fs22 That ASIC conduct a review
of the General Insurance Code of Practice three years after the \up0 \expndtw0\
charscalex100 amendments recommended to the Code in this Review are implemented,
in order to assess the \up0 \expndtw-1\charscalex100 effectiveness of the Code
with a view to determining whether an ASIC Regulatory Guide for claims \up0 \exp
ndtw-2\charscalex100 handling should then be introduced. \par\pard\ql \li1418\sb
0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\
sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl
-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-2
07\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207
\slmult0 \par\pard\ql\li1418\sb161\sl-207\slmult0\tx1985 \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf27\f28\fs18 128 \tab \up0 \expndtw-1\charscalex100 Conn
olly, Chris, September 2011. \u8216?A Consumer Perspective on the NDIR Issues Pa
per\u8217? \par\pard\ql \li1985\sb46\sl-216\slmult0 \up0 \expndtw-1\charscalex10
0 {\field{\*\fldinst {HYPERLINK "http://www.ndir.gov.au/content/commissionedpape
rs/2011/consumer_perspective_sept_11.pdf" }}{\fldrslt {\ul0\nosupersub\cf27\f28\
fs18 http://www.ndir.gov.au/content/commissionedpapers/2011/consumer_perspective
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sl-207\slmult0 \par\pard\ql\li5804\sb98\sl-207\slmult0 \up0 \expndtw-2\charscale
x100 \ul0\nosupersub\cf6\f7\fs18 120
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{\shp {\*\shpinst\shpleft1418\shptop14765\shpright4299\shpbottom14785\shpfhdr0\s
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g126}{\bkmkend Pg126}\par\pard\ql \li6546\sb0\sl-207\slmult0 \par\pard\ql\li6546
\sb0\sl-207\slmult0 \par\pard\ql\li6546\sb14\sl-207\slmult0 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 14: Claims handling and dispute re
solution \par\pard\ql \li1418\sb0\sl-264\slmult0 \par\pard\ql\li1418\sb0\sl-264\
slmult0 \par\pard\ql\li1418\sb38\sl-264\slmult0 \up0 \expndtw-3\charscalex100 \u
l0\nosupersub\cf9\f10\fs28 I\ul0\nosupersub\cf10\f11\fs22 NDEPENDENT \ul0\nosupe
rsub\cf9\f10\fs28 L\ul0\nosupersub\cf10\f11\fs22 EGAL \ul0\nosupersub\cf9\f10\fs
28 A\ul0\nosupersub\cf10\f11\fs22 DVICE \par\pard\ql \li1418\ri1208\sb240\sl-260
\slmult0\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex105 \ul0\no
supersub\cf4\f5\fs22 14.71.While independent legal services provided much needed
assistance to consumers in the \line\tab \up0 \expndtw-2\charscalex100 2010-201
1 floods, there is evidence to suggest that not enough consumers were able to ac
cess \line\tab \up0 \expndtw0\charscalex103 these services. While there were sig
nificant contributions to Queensland Legal Aid services \line\tab \up0 \expndtw0
\charscalex102 from the Insurance Council of Australia\ul0\super\cf26\
f27\fs20 129\ul0\nosupersub\cf4\f5\fs22
and Commonwealth Attorney Gener
als \line\tab \up0 \expndtw0\charscalex104 Department\ul0\super\cf26\f27\fs20 13
0\ul0\nosupersub\cf4\f5\fs22 , who contributed $250,000 and $200,000 respectivel
y in January-February \line\tab \up0 \expndtw-2\charscalex100 2011, some consume
rs were unable or did not know how to access the services of Legal Aid. \par\par
d\ql \li1418\ri1206\sb240\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985\tx1985 \up0
\expndtw0\charscalex103 14.72. FOS stated that the majority of complaints lodge
d with it from the 2010-2011 Queensland \line\tab \up0 \expndtw0\charscalex102 f
loods were as a result of the insurers\u8217? final decision letters informing p
olicyholders of their \line\tab \up0 \expndtw0\charscalex104 right to external d
ispute. Only 15 per cent were referred to it from Legal Aid services.\ul0\super\
cf26\f27\fs20 131 \ul0\nosupersub\cf4\f5\fs22 It \line\tab \up0 \expndtw0\charsc
alex100 argues in a submission to another review that it has concerns as to how
effective it can be in \line\tab \up0 \expndtw-1\charscalex100 resolving insuran
ce disputes where a consumer is not supported by an advocate, as insurance \line
\tab \up0 \expndtw-2\charscalex100 is an extremely complex area of law and insur
ance cases are challenging even for solicitors.\ul0\super\cf26\f27\fs20 132 \par
\pard\ql \li1418\ri1222\sb240\sl-260\slmult0\tx1985\tx1985\tx1985 \up0 \expndtw0
\charscalex100 \ul0\nosupersub\cf4\f5\fs22 14.73.Historically, following natural
disasters, Governments tend to provide additional funding for \line\tab \up0 \e
xpndtw0\charscalex100 legal services and the relevant State Legal Aid Commission
, community legal centres, and the \line\tab \up0 \expndtw0\charscalex102 privat
e legal profession respond to the crises \u8212? as occurred in the 2009 Victori
an bushfires \line\tab \up0 \expndtw-3\charscalex100 and the 2010-2011 Queenslan
d floods and cyclone. \par\pard\ql \li1418\ri1228\sb240\sl-260\slmult0\tx1985\tx

1985\tx1985\tx1985 \up0 \expndtw-1\charscalex100 14.74.However, the Review Panel

has heard that some of the legal aid services and community legal \line\tab \up
0 \expndtw0\charscalex104 centres have struggled to deal with the volume of inqu
iries and requests for assistance in \line\tab \up0 \expndtw0\charscalex100 rela
tion to rejected insurance claims following natural disasters. Some of the issue
s are a lack \line\tab \up0 \expndtw0\charscalex108 of resources and expertise,
and difficulties in co-ordination between service providers, \line\tab \up0 \exp
ndtw-3\charscalex100 particularly in rural areas. \par\pard\ql \li1418\ri1215\sb
240\sl-260\slmult0\tx1985\tx1985 \up0 \expndtw-1\charscalex100 14.75.The Review
Panel believes that due to the vital role these services play in providing advic
e and \line\tab \up0 \expndtw0\charscalex100 lodging disputes in natural disaste
r insurance claims, it is important that Commonwealth and \line\tab \up0 \expndt
w-2\charscalex100 State government funding for legal services be provided in the
event of natural disasters. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\q
l\li1526\sb113\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf44
\f45\fs22 Recommendation 45: \par\pard\qj \li1526\ri1329\sb242\sl-260\slmult0 \u
p0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That the Commonwealth and
State governments provide funding for legal advice and assistance \up0 \expndtw
-3\charscalex100 with insurance disputes following natural disasters. \par\pard\
ql \li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\q
l\li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\
li1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li
1418\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb0\sl-207\slmult0 \par\pard\ql\li14
18\sb0\sl-207\slmult0 \par\pard\ql\li1418\sb181\sl-207\slmult0\tx1985 \up0 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 129 \tab \up0 \expndtw-1\chars
calex100 Insurance Council of Australia, Media Release \u8216?General Insurance
Industry Supports QLD Legal Aid\u8217? 18/02/11 \par\pard\qj \li1985\ri1296\sb10
\sl-260\slmult0 \up0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "htt
p://www.insurancecouncil.com.au/Portals/24/Media%20Centre/2011%20Media%20Release
s/ICA%20Media%20Release%20QLD%20Legal%20AID%20180211.pdf" }}{\fldrslt {\ul0\nosu
persub\cf27\f28\fs18 http://www.insurancecouncil.com.au/Portals/24/Media%20Centr
e/2011%20Media%20Releases/ICA%20Media%20}}} \line \up0 \expndtw-2\charscalex100
{\field{\*\fldinst {HYPERLINK "http://www.insurancecouncil.com.au/Portals/24/Med
ia%20Centre/2011%20Media%20Releases/ICA%20Media%20Release%20QLD%20Legal%20AID%20
180211.pdf" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 Release%20QLD%20Legal%20A
ID%20180211.pdf}}} \par\pard\li1418\sb55\sl-207\slmult0\fi0\tx1985 \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf27\f28\fs18 130\tab \up0 \expndtw0\charscalex
100 Attorney-General for Australia \u8216?More funding for Queensland flood lega
l help\u8217?\par\pard\li1418\sb55\sl-207\slmult0\fi566 \up0 \expndtw0\charscale
x100 {\field{\*\fldinst {HYPERLINK "http://www.ag.gov.au/www/ministers/mcclellan
d.nsf/Page/MediaReleases_2011_FirstQuarter_31January2010-MorefundingforQueenslan
dfloodlegalhelp" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 http://www.ag.gov.au
/www/ministers/mcclelland.nsf/Page/MediaReleases_2011_FirstQuarter_31January2010
-}}}\par\pard\li1418\sb52\sl-207\slmult0\fi566 \up0 \expndtw-1\charscalex100 {\f
ield{\*\fldinst {HYPERLINK "http://www.ag.gov.au/www/ministers/mcclelland.nsf/Pa
ge/MediaReleases_2011_FirstQuarter_31January2010-MorefundingforQueenslandfloodle
galhelp" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 MorefundingforQueenslandfloo
dlegalhelp}}}\par\pard\li1418\sb52\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf27\f28\fs18 131\tab \up0 \expndtw0\charscalex100 Fi
nancial Ombudsman Service submission to the Natural Disaster Insurance Review, p
16\par\pard\li1418\sb55\sl-207\slmult0\fi566 \up0 \expndtw0\charscalex100 {\fie
ld{\*\fldinst {HYPERLINK "http://www.ndir.gov.au/content/submissions/issues_pape
r_submissions/Financial_Ombudsman_Service_Limited.pdf" }}{\fldrslt {\ul0\nosuper
sub\cf27\f28\fs18 http://www.ndir.gov.au/content/submissions/issues_paper_submis
sions/Financial_Ombudsman_Service_Limited.}}}\par\pard\li1418\sb52\sl-207\slmult
0\fi566 \up0 \expndtw-1\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.
ndir.gov.au/content/submissions/issues_paper_submissions/Financial_Ombudsman_Ser
vice_Limited.pdf" }}{\fldrslt {\ul0\nosupersub\cf27\f28\fs18 pdf}}}\par\pard\li1
418\sb52\sl-207\slmult0\fi0\tx1985 \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf27\f28\fs18 132\tab \up0 \expndtw0\charscalex100 Financial Ombudsman Service

submission to the House of Representatives Inquiry into the operation of the\par

\pard\li1418\sb55\sl-207\slmult0\fi566 \up0 \expndtw-1\charscalex100 insurance i
ndustry during disaster events, p 7, 2011\par\pard\ql \li5804\sb0\sl-207\slmult0
\par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb86\sl-207\slmult0
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf6\f7\fs18 121
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g127}{\bkmkend Pg127}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\
sl-240{\bkmkstart Pg128}{\bkmkend Pg128}\par\pard\qj \li1418\sb0\sl-420\slmult0
\par\pard\qj\li1418\sb0\sl-420\slmult0 \par\pard\qj\li1418\sb0\sl-420\slmult0 \p
ar\pard\qj\li1418\ri2730\sb253\sl-420\slmult0 \up0 \expndtw0\charscalex97 \ul0\n
osupersub\cf23\f24\fs36 Chapter 15.\ul0\nosupersub\cf24\f25\fs36 \ul0\nosupersu
b\cf23\f24\fs36 Funding the rebuilding of public \up0 \expndtw0\charscalex94 in
frastructure \par\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb105\s
l-253\slmult0\tx7925 \up0 \expndtw0\charscalex106 \ul0\nosupersub\cf4\f5\fs22 15
.1.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The Natural Disa
ster Relief and Recovery Arrangements \tab \up0 \expndtw0\charscalex100 (NDR
RA) provide for the \par\pard\qj \li1985\ri1207\sb2\sl-260\slmult0 \up0 \e
xpndtw0\charscalex106 Commonwealth and States to share the costs of reconstructi
on of State assets following \line \up0 \expndtw0\charscalex102 natural disaster
s. States are able to recover part of the cost of rebuilding State government \l
ine \up0 \expndtw0\charscalex100 assets from the Commonwealth. Recoveries are ca
lculated net of costs recoverable from any \line \up0 \expndtw-2\charscalex100 o
ther source, such as commercial insurance. Government business enterprises are n
ot eligible. \par\pard\ql \li1418\ri1236\sb240\sl-260\slmult0\tx1985\tx1985\tx19
85 \up0 \expndtw0\charscalex100 15.2.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosuper
sub\cf4\f5\fs22 Figure 3 shows the structure of cost sharing between States and
the Commonwealth. Once a \line\tab \up0 \expndtw0\charscalex103 State\u8217?s co
sts of disaster recovery and reconstruction in any financial year have exceeded
a \line\tab \up0 \expndtw-1\charscalex100 certain threshold, the arrangements re
quire that the Commonwealth co-fund a portion of the \line\tab \up0 \expndtw-1\c
harscalex100 recovery costs on the eligible assets. The arrangements require tha
t the Commonwealth fund \par\pard\qj \li1985\ri1212\sb0\sl-260\slmult0 \up0 \exp
ndtw-2\charscalex100 50 per cent of costs above 0.225 per cent of State revenue
and 75 per cent of costs above 1.75 \up0 \expndtw-2\charscalex100 times the firs
t threshold (approximately 0.4 per cent). The States cover the remainder. \par\p
ard\ql \li3101\sb246\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersu
b\cf44\f45\fs22 Figure 3: Cost Sharing between States and the Commonwealth \par\
pard\li5208\sb0\sl-207\slmult0\par\pard\li5208\sb0\sl-207\slmult0\par\pard\li520
8\sb0\sl-207\slmult0\par\pard\li5208\sb0\sl-207\slmult0\par\pard\li5208\sb0\sl-2
07\slmult0\par\pard\li5208\sb0\sl-207\slmult0\par\pard\li5208\sb0\sl-207\slmult0
\par\pard\li5208\sb0\sl-207\slmult0\par\pard\li5208\sb179\sl-207\slmult0\fi0\tx6
479 \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf53\f54\fs18 25%\tab \up0 \ex
pndtw-4\charscalex100 \ul0\nosupersub\cf52\f53\fs18 75 %\par\pard\ql \li3306\ri7
223\sb73\sl-220\slmult0 \up0 \expndtw-4\charscalex100 Threshold as a \line \up0
\expndtw-7\charscalex100 proportion of State \line \up0 \expndtw-7\charscalex100
revenue (per cent) \par\pard\ql \li7630\sb0\sl-207\slmult0 \par\pard\ql\li7630\
sb0\sl-207\slmult0 \par\pard\ql\li7630\sb197\sl-207\slmult0 \up0 \expndtw-3\char
scalex100 ~0.4% \par\pard\li5448\sb0\sl-207\slmult0\par\pard\li5448\sb0\sl-207\s
lmult0\par\pard\li5448\sb58\sl-207\slmult0\fi0\tx6734 \up0 \expndtw-4\charscalex

100 \ul0\nosupersub\cf53\f54\fs18 50%\tab \up0 \expndtw-4\charscalex100 \ul0\nos

upersub\cf52\f53\fs18 50%\par\pard\ql \li7617\sb174\sl-207\slmult0 \up0 \expndtw
-5\charscalex100 0.225% \par\pard\li4871\sb0\sl-207\slmult0\par\pard\li4871\sb0\
sl-207\slmult0\par\pard\li4871\sb0\sl-207\slmult0\par\pard\li4871\sb198\sl-207\s
lmult0\fi0\tx6877 \up0 \expndtw-6\charscalex100 State contribution\tab \up0 \exp
ndtw-6\charscalex100 Commonwealth contribution\par\pard\ql \li1418\sb0\sl-253\sl
mult0 \par\pard\ql\li1418\sb16\sl-253\slmult0 \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf4\f5\fs22 15.3.\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\
f5\fs22 The 2010-11 thresholds for each State are shown as dollar amounts in Cha
rt 1. \par\pard\ql \li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slm
ult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmul
t0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0
\par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \
par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \pa
r\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\
pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pa
rd\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb40\sl-207\slmult0 \up0 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf6\f7\fs18 123
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\pard\sb0\sl-240{\bkmkstart Pg129}{\bkmkend Pg129}\par\pard\ql \li7278\sb0\sl-20
7\slmult0 \par\pard\ql\li7278\sb0\sl-207\slmult0 \par\pard\ql\li7278\sb14\sl-207
\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 15: F
unding public infrastructure \par\pard\ql \li3713\sb0\sl-253\slmult0 \par\pard\q
l\li3713\sb0\sl-253\slmult0 \par\pard\ql\li3713\sb9\sl-253\slmult0 \up0 \expndtw
-3\charscalex100 \ul0\nosupersub\cf16\f17\fs22 Chart 1: NDRRA thresholds by Stat
e 2010-11 \par\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253
\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\s
lmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slm
ult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmul
t0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0
\par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \
par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \pa
r\pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\
pard\ql\li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb46\sl-253\slmult0\tx1985
\up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 15.4. \tab \up0 \expn
dtw0\charscalex100 Hence New South Wales, for example, will bear the first $120

million of natural disaster costs \par\pard\qj \li1985\ri1229\sb2\sl-260\slmult0

\up0 \expndtw-2\charscalex100 in 2010-11, 50 per cent of natural disaster costs
up to $210 million (a maximum of $45 million) \up0 \expndtw-2\charscalex100 and
25 per cent of costs exceeding $210 million. \par\pard\ql \li1418\sb246\sl-253\
slmult0\tx1985 \up0 \expndtw-3\charscalex100 15.5. \tab \up0 \expndtw0\charscale
x102 Assessing Commonwealth contributions relative to each State\u8217?s revenue
is accepted by the \par\pard\qj \li1985\ri1206\sb2\sl-260\slmult0 \up0 \expndtw
0\charscalex103 Review Panel as a reasonable basis for delivering equity amongst
the States. However, the \line \up0 \expndtw0\charscalex106 contributions from
the Commonwealth and each State are based on expenditure net of \line \up0 \expn
dtw0\charscalex100 insurance or reinsurance recoveries, which could invite arbit
rage and do not seem equitable. \line \up0 \expndtw0\charscalex105 Under the cur
rent structure, a State would receive greater NDRRA recoveries if it did not \li
ne \up0 \expndtw0\charscalex103 insure at all. On this basis, NDRRA recoveries c
alculated net of insurance recoveries can be \line \up0 \expndtw-2\charscalex100
thought of as a penalty on those States who choose to take out insurance for la
rge losses. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985 \up0 \expndtw-3\cha
rscalex100 15.6. \tab \up0 \expndtw-1\charscalex100 Each State has some form of
managed fund, captive insurer or self-insurance fund that insures \par\pard\qj \
li1985\ri1226\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex104 some State assets.
The range of assets covered by each State fund, along with the level of \up0 \e
xpndtw0\charscalex104 cover provided and the charges for the cover, reflect judg
ements made within each State \up0 \expndtw-1\charscalex100 about how State asse
ts are to be managed. There is no reason why those judgements need be \up0 \expn
dtw0\charscalex102 the same in each State and, as a result, the insurance and re
insurance arrangements within \up0 \expndtw-3\charscalex100 each State fund vary
greatly. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985 \up0 \expndtw-3\chars
calex100 15.7. \tab \up0 \expndtw0\charscalex100 It is a clear objective of some
or all of the States\u8217? funds that their existence and operation are \par\p
ard\qj \li1985\ri1222\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex104 designed t
o generate accountability for good risk management and to foster initiatives to
\up0 \expndtw0\charscalex102 manage State asset risk. In this respect, the NDRRA
recoveries are incidental, and of course \up0 \expndtw-3\charscalex100 only occ
ur in the event of relatively large losses. \par\pard\ql \li1418\sb246\sl-253\sl
mult0\tx1985 \up0 \expndtw-3\charscalex100 15.8. \tab \up0 \expndtw0\charscalex1
06 It is also notable that the existence of a self-insurance fund or captive ins
urer into which \par\pard\qj \li1985\ri1207\sb2\sl-260\slmult0 \up0 \expndtw0\ch
arscalex100 premiums are paid each year represents a level of pre-funding for cl
aims or losses, including \line \up0 \expndtw0\charscalex105 losses from natural
disasters. Reinsurance taken out by those funds is similarly a form of \line \u
p0 \expndtw-1\charscalex100 pre-funding. As already noted, NDRRA recoveries calc
ulated net of reinsurance recoveries can \line \up0 \expndtw-2\charscalex100 be
thought of as a penalty on those States that choose to take out insurance for la
rge losses. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985 \up0 \expndtw-3\cha
rscalex100 15.9. \tab \up0 \expndtw0\charscalex104 The Review Panel recommends t
hat, to address this inequity, the NDRRA formula for cost \par\pard\qj \li1985\r
i1232\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex100 sharing be altered from on
e based on costs net of insurance recoveries to one based on gross \line \up0 \e
xpndtw0\charscalex110 costs. That is, the NDRRA funding threshold could be based
on 100 per cent of losses \line \up0 \expndtw0\charscalex100 irrespective of an
y commercial insurance or reinsurance arrangements. This approach would \line \u
p0 \expndtw0\charscalex103 treat the States equally regardless of the insurance
or reinsurance arrangements that they \line \up0 \expndtw-3\charscalex100 have m
ade. \par\pard\ql \li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmu
lt0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb23\sl-207\slmul
t0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf6\f7\fs18 124 \par\pard\sect\
sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg130}{\bkmkend Pg
130}\par\pard\ql \li7278\sb0\sl-207\slmult0 \par\pard\ql\li7278\sb0\sl-207\slmul
t0 \par\pard\ql\li7278\sb14\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\no
supersub\cf1\f2\fs18 Chapter 15: Funding public infrastructure \par\pard\ql \li1

418\sb0\sl-260\slmult0 \par\pard\ql\li1418\ri1228\sb230\sl-260\slmult0\tx1985\tx
1985\tx1985 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf4\f5\fs22 15.10.Such
a change would require the thresholds and rates of reimbursement to also be alte
red. \line\tab \up0 \expndtw0\charscalex103 What those changes should be is appr
opriately a matter for the Commonwealth and State \line\tab \up0 \expndtw-1\char
scalex100 Governments, having regard to overall fiscal constraints. The Review P
anel therefore does not \line\tab \up0 \expndtw-3\charscalex100 offer a view on
what they should be. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql\li1526
\sb113\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f17\fs2
2 Recommendation 46: \par\pard\qj \li1526\ri1323\sb122\sl-260\slmult0 \up0 \expn
dtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 That the current formula for the
cost of rebuilding of State and Territory assets under the Natural \up0 \expndtw
0\charscalex105 Disaster Relief and Recovery Arrangements be changed to expendit
ure before any insurance \up0 \expndtw-2\charscalex100 recoveries by the State o
r Territory rather than net of any insurance recoveries. \par\pard\ql \li5804\sb
0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\
sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl
-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-2
07\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207
\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\s
lmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slm
ult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmul
t0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0
\par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \
par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \pa
r\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\
pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pa
rd\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard
\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\q
l\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\
li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li
5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li58
04\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804
\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\s
b0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0
\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\s
l-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-20
7\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\
slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\sl
mult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmu
lt0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult
0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb165\sl-207\slmult
0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf6\f7\fs18 125
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g131}{\bkmkend Pg131}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\
sl-240{\bkmkstart Pg132}{\bkmkend Pg132}\par\pard\ql \li1418\sb0\sl-414\slmult0
\par\pard\ql\li1418\sb0\sl-414\slmult0 \par\pard\ql\li1418\sb0\sl-414\slmult0 \p
ar\pard\ql\li1418\sb275\sl-414\slmult0 \up0 \expndtw0\charscalex96 \ul0\nosupers

ub\cf23\f24\fs36 Chapter 16.\ul0\nosupersub\cf24\f25\fs36 \ul0\nosupersub\cf23\

f24\fs36 Implementation and transition \par\pard\ql \li1418\sb0\sl-260\slmult0
\par\pard\ql\li1418\ri1209\sb94\sl-260\slmult0\tx1985\tx1985\tx1985\tx1985\tx198
5 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 16.1.\ul0\nosupersub
\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The Review Panel\u8217?s recommendat
ion that all home, contents and home unit insurance policies \line\tab \up0 \exp
ndtw0\charscalex106 include flood cover is supported by the recommendation to es
tablish a new agency that \line\tab \up0 \expndtw-2\charscalex100 coordinates fl
ood risk management nationally, operates the recommended system of premium \line
\tab \up0 \expndtw0\charscalex103 discounts and manages the associated reinsuran
ce facility. These recommendations taken \line\tab \up0 \expndtw-1\charscalex100
together are designed to deal comprehensively with the issues of availability a
nd affordability \line\tab \up0 \expndtw-3\charscalex100 of flood insurance for
homes, contents and home units. \par\pard\ql \li1418\ri1222\sb240\sl-260\slmult0
\tx1985\tx1985\tx1985\tx1985\tx1985\tx1985 \up0 \expndtw0\charscalex103 16.2.\ul
0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4\f5\fs22 The Review Panel is
mindful that, during the implementation period, many insurance \line\tab
\up0 \expndtw0\charscalex103 policyholders will remain exposed to the risks of t
he current system whereby flood is often \line\tab \up0 \expndtw-2\charscalex100
excluded from home, contents and home unit insurance policies. Those in high fl
ood risk areas \line\tab \up0 \expndtw0\charscalex100 will continue to be subjec
t to high premiums for flood cover. Many will not have flood cover \line\tab \up
0 \expndtw0\charscalex105 and therefore will continue to be at risk of a \u8216?
flood v storm\u8217? problem. The implication is a \line\tab \up0 \expndtw-1\cha
rscalex100 repeat of the financial distress, delays and disputes that followed t
he floods in 2010-11 should \line\tab \up0 \expndtw-3\charscalex100 a major floo
d occur during this period. \par\pard\ql \li1526\sb0\sl-253\slmult0 \par\pard\ql
\li1526\sb113\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\
f17\fs22 Recommendation 47: \par\pard\qj \li1526\ri1320\sb122\sl-260\slmult0 \up
0 \expndtw0\charscalex102 \ul0\nosupersub\cf4\f5\fs22 That the Government give p
riority to introducing legislation necessary to ensure that all home, \up0 \expn
dtw0\charscalex103 contents and home unit insurance policies include flood cover
and to establish a new national \up0 \expndtw-3\charscalex100 agency for flood
risk management and flood reinsurance purposes. \par\pard\ql \li1418\sb0\sl-253\
slmult0 \par\pard\ql\li1418\sb133\sl-253\slmult0\tx1985 \up0 \expndtw-3\charscal
ex100 16.3. \tab \up0 \expndtw0\charscalex108 Implementing the recommendations w
ill require, among other things, legislation to be \par\pard\qj \li1985\ri1224\s
b2\sl-260\slmult0 \up0 \expndtw-1\charscalex100 developed reflecting detailed sp
ecifications of the reinsurance facility. To do so effectively will \up0 \expndt
w-2\charscalex100 require consultation with the insurance industry and other sta
keholders on numerous aspects. \up0 \expndtw0\charscalex100 In addition, the Com
monwealth will need to consult with State and Territory governments on \up0 \exp
ndtw0\charscalex100 various aspects of establishing the national agency, particu
larly regarding flood mapping and \up0 \expndtw0\charscalex103 other aspects of
flood risk management, and also regarding the funding of potential future \up0 \
expndtw-3\charscalex100 shortfalls experienced by the reinsurance facility. \par
\pard\ql \li1418\sb246\sl-253\slmult0\tx1985 \up0 \expndtw-3\charscalex100 16.4.
\tab \up0 \expndtw0\charscalex100 While preparations are being made for impleme
ntation, including legislative initiatives, there \par\pard\qj \li1985\ri1212\sb
2\sl-260\slmult0 \up0 \expndtw-1\charscalex100 are some interim measures that wo
uld alleviate, to some extent, the risks that consumers will \line \up0 \expndtw
-2\charscalex100 continue to be subject to until the Review Panel\u8217?s recomm
endations are fully implemented. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx198
5 \up0 \expndtw-3\charscalex100 16.5. \tab \up0 \expndtw0\charscalex100 Accordin
gly the Review Panel recommends that, as pre-cursors to legislative changes and
to \par\pard\ql \li1985\sb7\sl-253\slmult0 \up0 \expndtw-2\charscalex100 the est
ablishment of the new national agency, the following be undertaken immediately:
\par\pard\li1985\sb0\sl-253\slmult0\par\pard\li1985\sb4\sl-253\slmult0\fi0\tx255
1 \up0 \expndtw0\charscalex105 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \e
xpndtw0\charscalex105 \ul0\nosupersub\cf4\f5\fs22 by the Government:\par\pard\li

1985\sb246\sl-253\slmult0\fi566\tx3120 \up0 \expndtw0\charscalex105 \ul0\nosuper

sub\cf20\f21\fs22 -\tab \up0 \expndtw0\charscalex106 \ul0\nosupersub\cf4\f5\fs22
take preparatory steps towards establishing and operating the new Agency\par\pa
rd\qj \li3120\ri1225\sb0\sl-260\slmult0 \up0 \expndtw0\charscalex108 including i
ts flood risk management role and designing the system of flood \up0 \expndtw-3\
charscalex100 premium discounts and the reinsurance facility; \par\pard\ql \li25
51\sb239\sl-253\slmult0\tx3120 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf2
0\f21\fs22 -\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 an inv
estigation be undertaken to ascertain whether there is a basis for granting \par
\pard\qj \li3120\ri1230\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex103 premium
discounts for cyclone risk, along the lines of the recommendation for \up0 \expn
dtw-1\charscalex100 flood insurance premium discounts for homes, contents and ho
me unit insurance \up0 \expndtw-3\charscalex100 policies (Recommendation 27); \p
ar\pard\ql \li2551\sb246\sl-253\slmult0\tx3120 \up0 \expndtw-3\charscalex100 \ul
0\nosupersub\cf20\f21\fs22 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f4\f5\fs22 amend the \ul0\nosupersub\cf19\f20\fs22 Insurance Contracts Act 1984\
ul0\nosupersub\cf4\f5\fs22 (the Act) to deal with the \u8216?clearly inform\u82
17? \par\pard\ql \li3120\sb7\sl-253\slmult0 \up0 \expndtw0\charscalex108 problem
(Recommendation 33), the application of the Key Facts Statement \par\pard\ql \l
i5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5
804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb64\sl-207\slmult0 \up0 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf6\f7\fs18 127
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{\shp {\*\shpinst\shpleft1526\shptop7420\shpright10385\shpbottom7799\shpfhdr0\sh
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8859}}{\sp{\sn geoBottom}{\sv 379}}
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 157843
89}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g133}{\bkmkend Pg133}\par\pard\ql \li7635\sb0\sl-207\slmult0 \par\pard\ql\li7635
\sb0\sl-207\slmult0 \par\pard\ql\li7635\sb14\sl-207\slmult0 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf1\f2\fs18 Chapter 16: Implementation timeline \par\p
ard\li1985\sb0\sl-253\slmult0\par\pard\li1985\sb253\sl-253\slmult0\fi1135\tx5103
\tx5770\tx8764\tx9712 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf4\f5\fs22 (
Recommendation\tab \up0 \expndtw0\charscalex101 34),\tab \up0 \expndtw0\charscal
ex101 the
introduction
of
a\tab \up0 \expndtw0\charscalex101 \u8216?hea
lth\tab \up0 \expndtw0\charscalex101 warning\u8217?\par\pard\li1985\sb7\sl-253\s
lmult0\fi1135 \up0 \expndtw0\charscalex102 (Recommendation 35) and the introduct
ion of the standard definition of flood in\par\pard\li1985\sb9\sl-253\slmult0\fi
1135 \up0 \expndtw0\charscalex102 the form proposed in the \u8216?Reforming floo
d insurance: Clearing the waters\u8217?\par\pard\li1985\sb6\sl-253\slmult0\fi113
5 \up0 \expndtw0\charscalex101 consultation paper. (Recommendation 36);\par\pard
\li1985\sb246\sl-253\slmult0\fi566\tx3120 \up0 \expndtw0\charscalex101 \ul0\nosu
persub\cf20\f21\fs22 -\tab \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf4\f5\f
s22 amend the \ul0\nosupersub\cf19\f20\fs22 Australian Securities and Investment
Commission Act 2001\ul0\nosupersub\cf4\f5\fs22 so that the\par\pard\li1985\sb9
\sl-253\slmult0\fi1135\tx3998\tx5097\tx7227\tx8062\tx8602\tx9621 \up0 \expndtw0\
charscalex101 unfair\tab \up0 \expndtw0\charscalex101 contract\tab \up0 \expndtw
0\charscalex101 terms
provisions\tab \up0 \expndtw0\charscalex101 apply\tab \
up0 \expndtw0\charscalex101 to\tab \up0 \expndtw0\charscalex101 general\tab \up0
\expndtw0\charscalex101 insurance\par\pard\li1985\sb6\sl-253\slmult0\fi1135 \up
0 \expndtw0\charscalex101 (Recommendation 47); and\par\pard\li1985\sb246\sl-253\
slmult0\fi0\tx2551 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf20\f21\fs22 \u
8226?\tab \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf4\f5\fs22 by the Insura
nce Council:\par\pard\li1985\sb249\sl-253\slmult0\fi566\tx3120 \up0 \expndtw0\ch

arscalex101 \ul0\nosupersub\cf20\f21\fs22 -\tab \up0 \expndtw0\charscalex101 \ul

0\nosupersub\cf4\f5\fs22 implement the recommended amendments to the General Ins
urance Code of\par\pard\li1985\sb6\sl-253\slmult0\fi1135 \up0 \expndtw0\charscal
ex101 Practice (Recommendations 38, 39, 40, 41, 42, 43).\par\pard\li1985\sb246\s
l-253\slmult0\fi0\tx2551 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf20\f21\f
s22 \u8226?\tab \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf4\f5\fs22 by lend
ing institutions\par\pard\li1985\sb249\sl-253\slmult0\fi566\tx3120 \up0 \expndtw
0\charscalex101 \ul0\nosupersub\cf20\f21\fs22 -\tab \up0 \expndtw0\charscalex102
\ul0\nosupersub\cf4\f5\fs22 implement the recommendation to remind mortgagors a
nnually of their home\par\pard\ql \li3120\sb1\sl-245\slmult0 \up0 \expndtw-3\cha
rscalex100 insurance obligations (Recommendation 31). \par\pard\ql \li5804\sb0\s
l-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-20
7\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\
slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\sl
mult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmu
lt0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult
0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0
\par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \p
ar\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par
\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\p
ard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\par
d\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\
ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql
\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\l
i5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5
804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li580
4\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\
sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb
0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\
sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl
-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-2
07\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207
\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\s
lmult0 \par\pard\ql\li5804\sb11\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul
0\nosupersub\cf6\f7\fs18 128 \par\pard\sect\sectd\fs24\paperw11900\paperh16820\p
ard\sb0\sl-240{\bkmkstart Pg134}{\bkmkend Pg134}\par\pard\ql \li8747\sb0\sl-345\
slmult0 \par\pard\ql\li8747\sb0\sl-345\slmult0 \par\pard\ql\li8747\sb0\sl-345\sl
mult0 \par\pard\ql\li8747\sb0\sl-345\slmult0 \par\pard\ql\li8747\sb0\sl-345\slmu
lt0 \par\pard\ql\li8747\sb209\sl-345\slmult0 \up0 \expndtw0\charscalex97 \ul0\no
supersub\cf23\f24\fs36 A\ul0\nosupersub\cf25\f26\fs29 PPENDICES \par\pard\ql \li
1418\sb0\sl-345\slmult0 \par\pard\ql\li1418\sb0\sl-345\slmult0 \par\pard\ql\li14
18\sb0\sl-345\slmult0 \par\pard\ql\li1418\sb120\sl-345\slmult0 \up0 \expndtw0\ch
arscalex97 \ul0\nosupersub\cf23\f24\fs36 A\ul0\nosupersub\cf25\f26\fs29 PPENDIX
\ul0\nosupersub\cf23\f24\fs36 A:\ul0\nosupersub\cf25\f26\fs29 \ul0\nosupersub\c
f23\f24\fs36 F\ul0\nosupersub\cf25\f26\fs29 LOOD VERSUS STORM EXPLANATION \par\p
ard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb0\sl-253\slmult0 \par\pa
rd\ql\li1418\sb165\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\
cf9\f10\fs28 I\ul0\nosupersub\cf10\f11\fs22 NTRODUCTION \par\pard\ql \li1418\sb0
\sl-253\slmult0 \par\pard\ql\li1418\sb14\sl-253\slmult0\tx1985 \up0 \expndtw-3\c
harscalex100 \ul0\nosupersub\cf4\f5\fs22 1. \tab \up0 \expndtw0\charscalex100 Ge
neral insurance policies provide cover for, inter alia, loss or damage to define
d property or \par\pard\ql \li1985\sb7\sl-253\slmult0 \up0 \expndtw-3\charscalex
100 goods. Sometimes policies provide cover for defined events. \par\pard\li1418
\sb248\sl-253\slmult0\fi0\tx1985 \up0 \expndtw0\charscalex101 2.\tab \up0 \expnd
tw0\charscalex102 Policies also include exclusions which limit or exclude cover
for loss or damage that would\par\pard\li1418\sb6\sl-253\slmult0\fi566 \up0 \exp
ndtw0\charscalex101 otherwise be claimable.\par\pard\li1418\sb249\sl-253\slmult0
\fi0\tx1985 \up0 \expndtw0\charscalex101 3.\tab \up0 \expndtw0\charscalex102 Man
y insurance policies distinguish between flood and storm damage in setting out w

hat\par\pard\li1418\sb6\sl-253\slmult0\fi566 \up0 \expndtw0\charscalex102 events

they will cover in home building, contents and home unit insurance policies and
small\par\pard\li1418\sb6\sl-253\slmult0\fi566 \up0 \expndtw0\charscalex101 bus
iness insurance policies.\par\pard\li1418\sb249\sl-253\slmult0\fi0\tx1985 \up0 \
expndtw0\charscalex101 4.\tab \up0 \expndtw0\charscalex102 Typically a policy wi
ll include terms that the insured items are covered against loss or damage\par\p
ard\li1418\sb6\sl-253\slmult0\fi566 \up0 \expndtw0\charscalex101 caused by an ac
cident except for specified exclusions.\par\pard\li1418\sb246\sl-253\slmult0\fi0
\tx1985 \up0 \expndtw0\charscalex101 5.\tab \up0 \expndtw0\charscalex102 Many ge
neral insurance policies don\u8217?t actually specify that storm damage is cover
ed and\par\pard\li1418\sb9\sl-253\slmult0\fi566 \up0 \expndtw0\charscalex102 hen
ce don\u8217?t define \u8216?storm\u8217?. However, some policies do exclude flo
od damage and define\par\pard\li1418\sb6\sl-253\slmult0\fi566 \up0 \expndtw0\cha
rscalex101 \u8216?flood\u8217?. Others exclude flood damage but include flash fl
ooding.\par\pard\li1418\sb0\sl-322\slmult0\par\pard\li1418\sb163\sl-322\slmult0\
fi0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf9\f10\fs28 F\ul0\nosupersub\
cf10\f11\fs22 LOOD\ul0\nosupersub\cf9\f10\fs28 ,\ul0\nosupersub\cf10\f11\fs22 S
TORM AND FLASH FLOODING DEFINITIONS\par\pard\li1418\sb249\sl-253\slmult0\fi0\tx1
985 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 6.\tab \up0 \expnd
tw0\charscalex100 There are a range of definitions of \u8216?flood\u8217? in the
Australian market place including:\par\pard\li1418\sb246\sl-253\slmult0\fi566\t
x2551 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \u
p0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 The escape or release of
water from the normal confines of a pond, lake, reservoir,\par\pard\ql \li2551\s
b0\sl-251\slmult0 \up0 \expndtw-3\charscalex100 canal, dam or uncovered water co
urse. \par\pard\ql \li1985\sb248\sl-253\slmult0\tx2551 \up0 \expndtw-3\charscale
x100 \ul0\nosupersub\cf20\f21\fs22 \u8226? \tab \up0 \expndtw0\charscalex105 \ul
0\nosupersub\cf4\f5\fs22 The covering of normally dry land by water escaping or
released from the normal \par\pard\qj \li2551\ri1216\sb2\sl-260\slmult0 \up0 \ex
pndtw0\charscalex100 confines of a water course or lake, whether or not it is al
tered or modified. Flood also \up0 \expndtw-2\charscalex100 includes water escap
ing from the confines of any reservoir, channel, canal or dam. \par\pard\li1985\
sb0\sl-253\slmult0\par\pard\li1985\sb3\sl-253\slmult0\fi0\tx2551 \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw0\charscal
ex100 \ul0\nosupersub\cf4\f5\fs22 The inundation of normally dry land by water e
scaping, or being released from, the\par\pard\li1985\sb7\sl-253\slmult0\fi566 \u
p0 \expndtw0\charscalex100 normal confines of a reservoir, natural water course
or lake (whether or not they have\par\pard\li1985\sb8\sl-253\slmult0\fi566 \up0
\expndtw0\charscalex100 been altered or modified). Flood also includes water dis
charged from any sewerage or\par\pard\li1985\sb6\sl-253\slmult0\fi566 \up0 \expn
dtw-1\charscalex100 waste water systems due to pressure induced by flood water.\
par\pard\li1985\sb247\sl-253\slmult0\fi0\tx2551 \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf4\f5\fs22 The inundation or covering of normally dry land by water which
:\par\pard\li1985\sb248\sl-253\slmult0\fi566\tx3120 \up0 \expndtw-1\charscalex10
0 (a)\tab \up0 \expndtw-1\charscalex100 escapes or overflows\par\pard\ql \li2551
\sb236\sl-253\slmult0 \up0 \expndtw-3\charscalex100 or \par\pard\ql \li5804\sb0\
sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl
-207\slmult0 \par\pard\ql\li5804\sb124\sl-207\slmult0 \up0 \expndtw-2\charscalex
100 \ul0\nosupersub\cf6\f7\fs18 129 \par\pard\sect\sectd\fs24\paperw11900\paperh
16820\pard\sb0\sl-240{\bkmkstart Pg135}{\bkmkend Pg135}\par\pard\ql \li7086\sb0\
sl-207\slmult0 \par\pard\ql\li7086\sb0\sl-207\slmult0 \par\pard\ql\li7086\sb14\s
l-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs18 Appendix
A: Flood versus storm explanation \par\pard\qj \li2498\sb0\sl-260\slmult0 \par\
pard\qj\li2498\ri1220\sb230\sl-260\slmult0\tx2858 \up0 \expndtw0\charscalex105 \
ul0\nosupersub\cf4\f5\fs22 (b)\ul0\nosupersub\cf11\f12\fs22 \ul0\nosupersub\cf4
\f5\fs22 cannot enter, because it is full or has overflowed, or is prevented fro
m entering \line\tab \up0 \expndtw-3\charscalex100 because other water has alrea
dy escaped or been released \par\pard\qj \li2498\ri1217\sb240\sl-260\slmult0 \up
0 \expndtw-1\charscalex100 from the normal confines of any water course or lake,

including any that may have been \up0 \expndtw-2\charscalex100 modified by huma
n intervention, or reservoir, canal, dam or storm water canal. \par\pard\ql \li1
985\sb246\sl-253\slmult0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf
20\f21\fs22 \u8226? \tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs
22 When water that is normally contained in a water catchment system increases b
ecause \par\pard\ql \li2551\sb7\sl-253\slmult0\tx5167 \up0 \expndtw0\charscalex1
12 of rain fall or snow melt \tab \up0 \expndtw0\charscalex107 (whether in the i
mmediate region or elsewhere) or is \par\pard\qj \li2551\ri1227\sb2\sl-260\slmul
t0 \up0 \expndtw0\charscalex102 deliberately released by an authority, and the w
ater overflows onto land that is not \up0 \expndtw-3\charscalex100 normally cove
red by water into your home. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985 \u
p0 \expndtw-4\charscalex100 7. \tab \up0 \expndtw-1\charscalex100 The common req
uirement for the flood definitions is the escape/overflow of water from the \par
\pard\qj \li1985\ri1214\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex100 normal c
onfines of a natural water course or body of water. This can extend to modified
or \up0 \expndtw0\charscalex103 artificial water courses such as redirected rive
rs or creeks and storm water channels. The \up0 \expndtw-3\charscalex100 definit
ions also sometimes include water released from dams and water which cannot ente
r a \up0 \expndtw-3\charscalex100 watercourse or body of water because it is alr
eady full or overflowing. \par\pard\li1418\sb0\sl-253\slmult0\par\pard\li1418\sb
5\sl-253\slmult0\fi0\tx1985 \up0 \expndtw-1\charscalex100 8.\tab \up0 \expndtw0\
charscalex100 Flood water damage, which is sometimes referred to as \u8216?water
rising\u8217?, \u8216?fluvial damage\u8217?, or\par\pard\li1418\sb8\sl-253\slmu
lt0\fi566 \up0 \expndtw0\charscalex100 \u8216?riverine flooding\u8217?, contrast
s with storm water damage which usually includes:\par\pard\li1418\sb246\sl-253\s
lmult0\fi566\tx2551 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf20\f21\fs22
\u8226?\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22 wind and h
ail damage,\par\pard\li1418\sb247\sl-253\slmult0\fi566\tx2551 \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0 \expndtw0\charscalex1
00 \ul0\nosupersub\cf4\f5\fs22 damage caused by water flowing through a hole in
premises made by a wind or storm,\par\pard\li1418\sb248\sl-253\slmult0\fi566\tx2
551 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226?\tab \up0
\expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 damage from water inundatio
n from run off from local streets, roads or surrounding\par\pard\li1418\sb6\sl-2
53\slmult0\fi1132 \up0 \expndtw-1\charscalex100 areas, gutters or storm water dr
ains.\par\pard\li1418\sb247\sl-253\slmult0\fi0\tx1985 \up0 \expndtw-1\charscalex
100 9.\tab \up0 \expndtw0\charscalex100 Water damage is sometimes referred to as
\u8216?local run off\u8217?, \u8216?water falling\u8217? or \u8216?pluvial dama
ge\u8217?.\par\pard\li1418\sb248\sl-253\slmult0\fi0\tx1985 \up0 \expndtw-1\chars
calex100 10.\tab \up0 \expndtw0\charscalex100 Some insurance policies which excl
ude flood damage do nevertheless cover damage caused by\par\pard\qj \li1985\ri12
26\sb0\sl-260\slmult0 \up0 \expndtw-1\charscalex100 flash flooding. This is usua
lly defined as flood damage (as per the definition of flood) occurring \up0 \exp
ndtw0\charscalex105 within a limited period of time after the storm or rain even
t which caused the flood. The \up0 \expndtw-3\charscalex100 period is usually 24
, 48 or 72 hours. \par\pard\ql \li1418\sb235\sl-253\slmult0\tx1985 \up0 \expndtw
-3\charscalex100 11. \tab \up0 \expndtw0\charscalex100 Therefore, if the water w
hich inundates an insured\u8217?s premises is from the overflow of a river, \par
\pard\qj \li1985\ri1233\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex100 creek or
dam etc and occurs within say, 72 hours of the downpour which led to the overfl
ow, \up0 \expndtw-3\charscalex100 the policy will respond. \par\pard\li1418\sb0\
sl-253\slmult0\par\pard\li1418\sb6\sl-253\slmult0\fi0\tx1985 \up0 \expndtw-2\cha
rscalex100 12.\tab \up0 \expndtw-1\charscalex100 For example, in relation to the
recent South East Queensland natural disaster, it could be said\par\pard\li1418
\sb6\sl-253\slmult0\fi566 \up0 \expndtw-2\charscalex100 that:\par\pard\ql \li198
5\sb235\sl-253\slmult0\tx2551 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20
\f21\fs22 \u8226? \tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22
The event in Toowoomba could be classified as a storm event given that the inun
dation \par\pard\qj \li2551\ri1225\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex1
05 was primarily local run off immediately following the downpour event with wat

er \up0 \expndtw-3\charscalex100 running down and off the main streets and roads
. \par\pard\ql \li1985\sb246\sl-253\slmult0\tx2551 \up0 \expndtw-3\charscalex100
\ul0\nosupersub\cf20\f21\fs22 \u8226? \tab \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf4\f5\fs22 The event in Lockyer Valley could be classified as flash f
looding given that the local rivers \par\pard\ql \li2551\sb7\sl-253\slmult0 \up0
\expndtw-2\charscalex100 overflowed very soon after the severe downpour and inu
ndated the surrounding areas. \par\pard\ql \li1985\sb247\sl-253\slmult0\tx2551 \
up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf20\f21\fs22 \u8226? \tab \up0 \ex
pndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 The event in Brisbane could be
classified as flooding given that the storm event that led \par\pard\qj \li2551
\ri1227\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex103 to the overflow of the B
risbane River occurred a number of days after the downpour \up0 \expndtw-1\chars
calex100 originally occurred in the catchment areas \u8212? although there may h
ave been some local \up0 \expndtw0\charscalex100 inundation in some suburbs and
the release of water from the Wivenhoe Dam may not \up0 \expndtw-3\charscalex100
fall within some flood definitions. \par\pard\ql \li5804\sb0\sl-207\slmult0 \pa
r\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\
pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb196\sl-207\slmult0 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf6\f7\fs18 130 \par\pard\sect\sectd\fs
24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg136}{\bkmkend Pg136}\par
\pard\ql \li7086\sb0\sl-207\slmult0 \par\pard\ql\li7086\sb0\sl-207\slmult0 \par\
pard\ql\li7086\sb14\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub
\cf1\f2\fs18 Appendix A: Flood versus storm explanation \par\pard\ql \li1418\sb0
\sl-253\slmult0 \par\pard\ql\li1418\sb242\sl-253\slmult0\tx1985 \up0 \expndtw-3\
charscalex100 \ul0\nosupersub\cf4\f5\fs22 13. \tab \up0 \expndtw0\charscalex103
The distinctions between flood, storm and flash flooding can be very technical,
involve the \par\pard\qj \li1985\ri1221\sb2\sl-260\slmult0 \up0 \expndtw0\charsc
alex102 expert opinions of hydrologists, the interpretation of satellite
imaging and eyewitness \up0 \expndtw-2\charscalex100 accounts as to the seque
nce of events, the time of inundation of a property, the colouration of \up0 \ex
pndtw-3\charscalex100 water and nature of the debris which inundated the propert
y. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985 \up0 \expndtw-3\charscalex10
0 14. \tab \up0 \expndtw0\charscalex107 The distinctions could be seen as very a
rtificial and beyond the comprehension of most \par\pard\qj \li1985\ri1222\sb2\s
l-260\slmult0 \up0 \expndtw-1\charscalex100 consumers. This is no more so than w
hen the cause of the inundation is not clear and could be \up0 \expndtw0\charsca
lex104 a \u8216?mixed event\u8217? requiring the invocation of the legal doctrin
e of proximate cause \u8212? which \up0 \expndtw-3\charscalex100 most consumers
know nothing about. \par\pard\ql \li1418\sb0\sl-264\slmult0 \par\pard\ql\li1418\
sb0\sl-264\slmult0 \par\pard\ql\li1418\sb9\sl-264\slmult0 \up0 \expndtw-3\charsc
alex100 \ul0\nosupersub\cf9\f10\fs28 F\ul0\nosupersub\cf10\f11\fs22 LOOD V \ul0\
nosupersub\cf9\f10\fs28 S\ul0\nosupersub\cf10\f11\fs22 TORM \par\pard\ql \li1418
\sb0\sl-299\slmult0 \par\pard\ql\li1418\sb89\sl-299\slmult0 \up0 \expndtw-3\char
scalex100 \ul0\nosupersub\cf18\f19\fs26 Onus of Proof \par\pard\li1418\sb246\sl253\slmult0\fi0\tx1985 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf4\f5\fs22
15.\tab \up0 \expndtw0\charscalex100 As a matter of law, the onus is on a polic
yholder to prove, on the balance of probabilities, that\par\pard\li1418\sb6\sl-2
53\slmult0\fi566 \up0 \expndtw0\charscalex100 an insured event has occurred enti
tling them to claim under the policy for particular loss or\par\pard\li1418\sb6\
sl-253\slmult0\fi566 \up0 \expndtw-1\charscalex100 damage.\par\pard\li1418\sb249
\sl-253\slmult0\fi0\tx1985 \up0 \expndtw-1\charscalex100 16.\tab \up0 \expndtw0\
charscalex100 The onus then shifts to an insurer to prove, on the balance of pro
babilities, that an exclusion\par\pard\li1418\sb6\sl-253\slmult0\fi566 \up0 \exp
ndtw-1\charscalex100 applies.\par\pard\ql \li1418\sb0\sl-299\slmult0 \par\pard\q
l\li1418\sb64\sl-299\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf18\
f19\fs26 Storm/Flood Cover \par\pard\ql \li1418\sb239\sl-253\slmult0\tx1985 \up0
\expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 17. \tab \up0 \expndtw-2\c
harscalex100 Home buildings, contents and home unit insurance policies usually c
over storm loss or damage \par\pard\qj \li1985\ri1215\sb2\sl-260\slmult0 \up0 \e
xpndtw0\charscalex108 but many exclude flood damage. Accordingly, the policyhold

er must establish that the \up0 \expndtw0\charscalex106 inundation of and loss o

r damage to their home or contents was caused by storm water \up0 \expndtw-2\cha
rscalex100 damage. If the policy excludes flood damage, the insurer must then pr
ove that the cause of the \up0 \expndtw-3\charscalex100 loss or damage was flood
water (as defined). \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985 \up0 \expn
dtw-3\charscalex100 18. \tab \up0 \expndtw-1\charscalex100 If a policy excludes
flood damage but includes flash flooding, the onus then shifts again to the \par
\pard\qj \li1985\ri1208\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex100 policyho
lder to prove, on the balance of probabilities, that the inundation which caused
the \line \up0 \expndtw-2\charscalex100 loss or damage occurred within the time
limit specified in the policy of the storm or rain event. \par\pard\ql \li1418\
sb0\sl-299\slmult0 \par\pard\ql\li1418\sb69\sl-299\slmult0 \up0 \expndtw-3\chars
calex100 \ul0\nosupersub\cf18\f19\fs26 Doctrine of proximate cause \par\pard\li1
418\sb0\sl-253\slmult0\par\pard\li1418\sb2\sl-253\slmult0\fi0\tx1985 \up0 \expnd
tw0\charscalex102 \ul0\nosupersub\cf4\f5\fs22 19.\tab \up0 \expndtw0\charscalex1
03 If there are two or more proximate or effective causes of loss or damage, one
of which is\par\pard\li1418\sb6\sl-253\slmult0\fi566 \up0 \expndtw0\charscalex1
03 excluded under the terms of the policy, the excluded event prevails and the p
olicy does not\par\pard\li1418\sb9\sl-253\slmult0\fi566 \up0 \expndtw0\charscale
x102 respond.\par\pard\ql \li1418\sb230\sl-253\slmult0\tx1985 \up0 \expndtw-3\ch
arscalex100 20. \tab \up0 \expndtw0\charscalex100 Called the doctrine of proxima
te cause or the Wayne Tank principle (Wayne Tank & Pump Co \par\pard\qj \li1985\
ri1213\sb2\sl-260\slmult0 \up0 \expndtw-2\charscalex100 Ltd v Employers Liabilit
y Assurance Corporation Limited (1974) QB 57), it means that if the loss \up0 \e
xpndtw0\charscalex103 or damage to the home or contents was caused by inundation
from a mixture of flood and \up0 \expndtw0\charscalex100 storm waters (for exam
ple, water overflowing from a river, and local run off from streets and \up0 \ex
pndtw-2\charscalex100 storm water drains), the insurer is not liable if the poli
cy has a flood exclusion. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985 \up0
\expndtw-3\charscalex100 21. \tab \up0 \expndtw0\charscalex100 However, if the p
olicyholder can prove, on the balance of probabilities, that some of the loss \p
ar\pard\qj \li1985\ri1230\sb2\sl-260\slmult0 \up0 \expndtw-2\charscalex100 or da
mage was caused by storm water before the flood water arrived, the policy will c
over this \up0 \expndtw-3\charscalex100 loss or damage. \par\pard\ql \li5804\sb0
\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\s
l-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-20
7\slmult0 \par\pard\ql\li5804\sb35\sl-207\slmult0 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf6\f7\fs18 131 \par\pard\sect\sectd\fs24\paperw11900\paperh1682
0\pard\sb0\sl-240{\bkmkstart Pg137}{\bkmkend Pg137}\par\pard\ql \li7086\sb0\sl-2
07\slmult0 \par\pard\ql\li7086\sb0\sl-207\slmult0 \par\pard\ql\li7086\sb14\sl-20
7\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs18 Appendix A:
Flood versus storm explanation \par\pard\ql \li1418\sb0\sl-460\slmult0 \par\pard
\ql\li1418\sb44\sl-460\slmult0 \up0 \expndtw0\charscalex97 \ul0\nosupersub\cf7\f
8\fs40 C\ul0\nosupersub\cf8\f9\fs32 ASE \ul0\nosupersub\cf7\f8\fs40 S\ul0\nosupe
rsub\cf8\f9\fs32 TUDIES\ul0\nosupersub\cf7\f8\fs40 :\ul0\nosupersub\cf8\f9\fs32
\ul0\nosupersub\cf7\f8\fs40 \u8216?\ul0\nosupersub\cf8\f9\fs32 FLOOD\ul0\nosupe
rsub\cf7\f8\fs40 \u8217?\ul0\nosupersub\cf8\f9\fs32 VERSUS \ul0\nosupersub\cf7\
f8\fs40 \u8216?\ul0\nosupersub\cf8\f9\fs32 STORM\ul0\nosupersub\cf7\f8\fs40 \u82
17? \par\pard\li1418\sb0\sl-322\slmult0\par\pard\li1418\sb294\sl-322\slmult0\fi0
\tx2138 \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf9\f10\fs28 1.\tab \up0 \
expndtw-3\charscalex100 H\ul0\nosupersub\cf10\f11\fs22 AMS VS \ul0\nosupersub\cf
9\f10\fs28 CGU\ul0\nosupersub\cf10\f11\fs22 \ul0\nosupersub\cf9\f10\fs28 L\ul0\
nosupersub\cf10\f11\fs22 IMITED\par\pard\li1418\sb249\sl-253\slmult0\fi0\tx1985
\up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 22.\tab \up0 \expndtw0
\charscalex104 Mr and Mrs Hams leased a 25,000 hectare property in North West Ne
w South Wales. The\par\pard\qj \li1985\ri1216\sb0\sl-260\slmult0 \up0 \expndtw0\
charscalex104 property included a homestead, shearer\u8217?s quarters, sheds and
a hangar situated in a large \up0 \expndtw0\charscalex105 natural depression (4
km x 700 m). The depression was surrounded by lakes and a creek, \up0 \expndtw-

3\charscalex100 (approximately 10 km to 25 km away) which were normally dry. \pa

r\pard\ql \li1418\sb232\sl-253\slmult0\tx1985 \up0 \expndtw-3\charscalex100 23.
\tab \up0 \expndtw-2\charscalex100 They held a \u8216?rural pack\u8217? insuranc
e policy which insured the buildings against accidental loss and \par\pard\ql \l
i1985\sb7\sl-253\slmult0 \up0 \expndtw-2\charscalex100 damage. However, the poli
cy excluded damage caused by flood, which was defined as: \par\pard\qj \li2551\r
i2065\sb242\sl-260\slmult0 \up0 \expndtw0\charscalex105 \ul0\nosupersub\cf19\f20
\fs22 \u8216?Inundation following the escape of water from the normal confines o
f any \line \up0 \expndtw0\charscalex104 lake, reservoir, dam, river, creek or n
avigable canal, as a result of a natural \line \up0 \expndtw0\charscalex102 phen
omenon which has some element of violence, suddenness or largeness \line \up0 \e
xpndtw0\charscalex102 about it, but does not mean inundation by water from fixed
apparatus, fixed \line \up0 \expndtw-2\charscalex100 tanks, fixed pipes or runoff of surface water from surrounding areas\u8217?\ul0\nosupersub\cf4\f5\fs22 .
\par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985 \up0 \expndtw-3\charscalex100 2
4. \tab \up0 \expndtw0\charscalex100 In February 2000, the area was subject to a
one in 200 years plus downpour. The depression \par\pard\qj \li1985\ri1212\sb2\
sl-260\slmult0 \up0 \expndtw-2\charscalex100 was inundated with water which ran
off from the surrounding areas. The homestead, shearer\u8217?s \up0 \expndtw-2\c
harscalex100 quarters, hanger and sheds were inundated to a level of approximate
ly 500 to 750 mm. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985 \up0 \expndtw
-3\charscalex100 25. \tab \up0 \expndtw0\charscalex103 The depression was also i
nundated by water from the overflowing surrounding lakes and a \par\pard\qj \li1
985\ri1218\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex103 \u8216?wall of water\
u8217? from the overflowing creek. The timing of the arrival of these waters was
in \up0 \expndtw0\charscalex102 dispute. However what was not in dispute is tha
t within 24 hours, the depression was filled \up0 \expndtw0\charscalex100 with w
ater which had inundated the homestead, shearer\u8217?s quarters, sheds and hang
ar up to \up0 \expndtw-3\charscalex100 roof level. The buildings remained under
water for nine months. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985 \up0 \ex
pndtw-3\charscalex100 26. \tab \up0 \expndtw0\charscalex100 The Hams claimed und
er the policy and the claim was rejected with the insurer asserting that \par\pa
rd\qj \li1985\ri1210\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex104 the damage
to the buildings was caused in part by the escape of water from the lakes and \u
p0 \expndtw-2\charscalex100 rivers and thereby under the doctrine of proximate c
ause, the policy did not respond. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx19
85 \up0 \expndtw-3\charscalex100 27. \tab \up0 \expndtw0\charscalex100 The Hams
sued the insurer for breach of contract and the actions ran to trial for two wee
ks in \par\pard\qj \li1985\ri1216\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex10
0 the New South Wales Supreme Court (the dispute was well beyond the monetary li
mit of the \up0 \expndtw-2\charscalex100 Insurance Ombudsman Service (now called
the Financial Ombudsman Service (FOS)). \par\pard\ql \li1418\sb246\sl-253\slmul
t0\tx1985 \up0 \expndtw-3\charscalex100 28. \tab \up0 \expndtw0\charscalex102 Mu
ch of the trial was taken up with competing expert evidence from hydrologists, b
uilding \par\pard\qj \li1985\ri1212\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex
104 expert evidence and eye witness evidence as to the sequence of events, the t
iming of the \line \up0 \expndtw-2\charscalex100 overflows and the inundation of
the buildings, and when the damage would have been done. \par\pard\ql \li1418\s
b246\sl-253\slmult0\tx1985 \up0 \expndtw-3\charscalex100 29. \tab \up0 \expndtw0
\charscalex104 The Court found that the insurer had clearly informed the Hams of
the effect of the flood \par\pard\qj \li1985\ri1229\sb2\sl-260\slmult0 \up0 \ex
pndtw0\charscalex109 exclusion by providing them with the insurance policy, a 40
plus page document with \up0 \expndtw-3\charscalex100 subsections offering mult
iple coverage options. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985 \up0 \ex
pndtw-3\charscalex100 30. \tab \up0 \expndtw0\charscalex100 The Court also found
that the doctrine of proximate cause applied (referred to as the Wayne \par\par
d\qj \li1985\ri1211\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex100 Tank Princip
le) whereby if the cause of damage was a combination of flood and storm water, \
up0 \expndtw0\charscalex106 the exclusion would prevail. They found that the Ham
s were unaware of the doctrine of \up0 \expndtw0\charscalex100 proximate cause b

ut that the insurer\u8217?s obligation to clearly inform of the flood exclusion

did \up0 \expndtw-2\charscalex100 not extend to informing the Hams of the operat
ion of the Wayne Tank Principle. \par\pard\ql \li5804\sb0\sl-207\slmult0 \par\pa
rd\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard
\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\q
l\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb122\sl-207\slmult0 \up0 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf6\f7\fs18 132 \par\pard\sect\sectd\fs24\pap
erw11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg138}{\bkmkend Pg138}\par\pard\
ql \li7086\sb0\sl-207\slmult0 \par\pard\ql\li7086\sb0\sl-207\slmult0 \par\pard\q
l\li7086\sb14\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f
2\fs18 Appendix A: Flood versus storm explanation \par\pard\ql \li1418\sb0\sl-25
3\slmult0 \par\pard\ql\li1418\sb242\sl-253\slmult0\tx1985 \up0 \expndtw-3\charsc
alex100 \ul0\nosupersub\cf4\f5\fs22 31. \tab \up0 \expndtw-1\charscalex100 The C
ourt concluded that the homestead, shearer\u8217?s quarters and sheds were damag
ed by the \par\pard\qj \li1985\ri1229\sb2\sl-260\slmult0 \up0 \expndtw0\charscal
ex100 initial inundation from the local surface run off before the flood waters
arrived and ordered \up0 \expndtw-3\charscalex100 the insurer to pay for the dam
ages. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985 \up0 \expndtw-3\charscale
x100 32. \tab \up0 \expndtw0\charscalex106 However, they found that the damage t
o the hangar, which was made of steel, required \par\pard\qj \li1985\ri1235\sb2\
sl-260\slmult0 \up0 \expndtw0\charscalex106 prolonged inundation and was therefo
re damaged by a combination of storm and flood \up0 \expndtw0\charscalex107 wate
rs. They applied the doctrine of proximate cause and found that the policy did n
ot \up0 \expndtw-3\charscalex100 respond to that damage. \par\pard\li1418\sb0\sl
-253\slmult0\par\pard\li1418\sb4\sl-253\slmult0\fi0\tx1985 \up0 \expndtw0\charsc
alex100 33.\tab \up0 \expndtw0\charscalex100 The costs associated with the dispu
te far exceeded the amount claimed under the insurance\par\pard\li1418\sb9\sl-25
3\slmult0\fi566 \up0 \expndtw0\charscalex100 policy.\par\pard\ql \li5804\sb0\sl207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-20
7\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\
slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\sl
mult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmu
lt0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult
0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0
\par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \p
ar\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par
\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\p
ard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\par
d\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\
ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql
\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\l
i5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5
804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li580
4\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\
sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb
0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\
sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl
-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-2
07\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207
\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\s
lmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slm
ult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmul
t0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0
\par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \
par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \pa
r\pard\ql\li5804\sb100\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf6\f7\fs18 133 \par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\s
l-240{\bkmkstart Pg139}{\bkmkend Pg139}\par\pard\ql \li7086\sb0\sl-207\slmult0 \
par\pard\ql\li7086\sb0\sl-207\slmult0 \par\pard\ql\li7086\sb14\sl-207\slmult0 \u
p0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs18 Appendix A: Flood versus

storm explanation \par\pard\li1418\sb0\sl-322\slmult0\par\pard\li1418\sb0\sl-32

2\slmult0\par\pard\li1418\sb0\sl-322\slmult0\par\pard\li1418\sb125\sl-322\slmult
0\fi0\tx2138 \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf9\f10\fs28 2.\tab \
up0 \expndtw-3\charscalex100 FOS\ul0\nosupersub\cf10\f11\fs22 \ul0\nosupersub\c
f9\f10\fs28 D\ul0\nosupersub\cf10\f11\fs22 ETERMINATION \ul0\nosupersub\cf9\f10\
fs28 C\ul0\nosupersub\cf10\f11\fs22 ASE \ul0\nosupersub\cf9\f10\fs28 N\ul0\nosup
ersub\cf10\f11\fs22 UMBER \ul0\nosupersub\cf9\f10\fs28 223789\par\pard\li1418\sb
246\sl-253\slmult0\fi0\tx1985 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\
f5\fs22 34.\tab \up0 \expndtw-2\charscalex100 The Applicant\u8217?s home was inu
ndated with water following intensive rainfall in March 2010.\par\pard\li1418\sb
248\sl-253\slmult0\fi0\tx1985 \up0 \expndtw-3\charscalex100 35.\tab \up0 \expndt
w0\charscalex106 The Applicant held a home building and contents insurance polic
y which insured against\par\pard\qj \li1985\ri1230\sb0\sl-260\slmult0 \up0 \expn
dtw-1\charscalex100 accidental and defined events loss and damage. However, the
policy excluded damage caused \up0 \expndtw-3\charscalex100 by flood which was d
efined as: \par\pard\qj \li2551\ri2084\sb237\sl-260\slmult0 \up0 \expndtw0\chars
calex103 \ul0\nosupersub\cf19\f20\fs22 \u8216?... the inundation of normally dry
land by water escaping, or being released \line \up0 \expndtw-1\charscalex100 f
rom, the normal confines of a reservoir, natural water course or lake (whether \
line \up0 \expndtw-1\charscalex100 or not they have been altered or modified). F
lood also includes water discharge \line \up0 \expndtw0\charscalex104 from any s
ewage or waste water systems due to pressure induced by Flood \line \up0 \expndt
w-3\charscalex100 water\u8217?. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985
\up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 36. \tab \up0 \expndt
w0\charscalex113 The Applicant lodged a claim under the policy which was rejecte
d on the basis of a \par\pard\ql \li1985\sb7\sl-253\slmult0 \up0 \expndtw-2\char
scalex100 hydrologist\u8217?s opinion that the damage was caused by flood water
as defined. \par\pard\ql \li1418\sb247\sl-253\slmult0\tx1985 \up0 \expndtw-3\cha
rscalex100 37. \tab \up0 \expndtw0\charscalex100 The Applicant lodged a complain
t to FOS on the basis that the water damage was due to local \par\pard\qj \li198
5\ri1223\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex100 run-off and not water e
scaping from the river. Alternatively, it was asserted that the insurer \up0 \ex
pndtw-2\charscalex100 had not complied with the obligation to clearly inform the
insured of the flood exclusion under \up0 \expndtw-3\charscalex100 Section 35 o
f the Insurance Contracts Act. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985
\up0 \expndtw-3\charscalex100 38. \tab \up0 \expndtw0\charscalex103 The classifi
cation of the water which inundated the Applicant\u8217?s property was essential
ly an \par\pard\qj \li1985\ri1234\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex10
2 assessment of the time, location and severity of the downpour, the topography
of the area, \line \up0 \expndtw0\charscalex100 the position of the river and he
ight of the Applicant\u8217?s building, the timing of the overflow of \line \up0
\expndtw0\charscalex102 the river and the inundation of the home and the colour
of and the debris in the inundating \line \up0 \expndtw-3\charscalex100 water.
\par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985 \up0 \expndtw-3\charscalex100 3
9. \tab \up0 \expndtw0\charscalex109 The insurer\u8217?s hydrologist provided a
general report with respect to the likely cause of \par\pard\qj \li1985\ri1218\s
b2\sl-260\slmult0 \up0 \expndtw0\charscalex105 inundation of properties in the a
rea and more specific reports relevant to the Applicant\u8217?s \up0 \expndtw0\c
harscalex103 property. The conclusion was that the water which inundated the App
licant\u8217?s building and \up0 \expndtw-3\charscalex100 contents was water whi
ch had overflowed from the local river. \par\pard\ql \li1418\sb246\sl-253\slmult
0\tx1985 \up0 \expndtw-3\charscalex100 40. \tab \up0 \expndtw-2\charscalex100 Th
e Applicant submitted a general report from a hydrologist commissioned by the lo
cal council \par\pard\qj \li1985\ri1212\sb2\sl-260\slmult0 \up0 \expndtw-1\chars
calex100 which said that much of the relevant area was inundated by local storm
water before the river \up0 \expndtw0\charscalex100 overflowed (he was not able
to pay for an hydrologist report specific to his property). He also \up0 \expndt
w-3\charscalex100 lodged eyewitness statements as to the timing of the inundatio
n. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985 \up0 \expndtw-3\charscalex10
0 41. \tab \up0 \expndtw-2\charscalex100 The FOS Panel found that the balance of

the evidence supported that the water which entered \par\pard\qj \li1985\ri1216
\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex104 the Applicant\u8217?s home was
flood water from the river. They specifically noted that the only \up0 \expndtw2\charscalex100 site-specific expert evidence was from the hydrologist engaged b
y the insurer. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985 \up0 \expndtw-3\
charscalex100 42. \tab \up0 \expndtw0\charscalex100 With respect to the Applican
t\u8217?s assertion that the policy document did not clearly inform the \par\par
d\qj \li1985\ri1216\sb2\sl-260\slmult0 \up0 \expndtw-1\charscalex100 Applicant o
f the flood exclusion, the FOS Panel found that the insurer had discharged the o
nus \up0 \expndtw-1\charscalex100 of proving that it had clearly informed the Ap
plicant of the flood exclusion. \par\pard\ql \li1418\sb246\sl-253\slmult0\tx1985
\up0 \expndtw-3\charscalex100 43. \tab \up0 \expndtw0\charscalex106 The Applica
nt noted that the flood exclusion was found on one page of a 73 page policy \par
\pard\qj \li1985\ri1222\sb2\sl-260\slmult0 \up0 \expndtw0\charscalex100 document
and had to be read with a definition of flood found on a different page. Howeve
r, \up0 \expndtw-2\charscalex100 the Panel found that the policy index directed
the Applicant to the relevant pages of the policy \up0 \expndtw-2\charscalex100
and the renewal notice schedule also alluded to the flood exclusion. \par\pard\q
l \li1418\sb246\sl-253\slmult0\tx1985 \up0 \expndtw-3\charscalex100 44. \tab \up
0 \expndtw-3\charscalex100 The FOS complaint was therefore not upheld. \par\pard
\ql \li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\
ql\li5804\sb171\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf6
\f7\fs18 134 \par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\
bkmkstart Pg140}{\bkmkend Pg140}\par\pard\ql \li7086\sb0\sl-207\slmult0 \par\par
d\ql\li7086\sb0\sl-207\slmult0 \par\pard\ql\li7086\sb14\sl-207\slmult0 \up0 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs18 Appendix A: Flood versus storm
explanation \par\pard\li1418\sb0\sl-322\slmult0\par\pard\li1418\sb0\sl-322\slmul
t0\par\pard\li1418\sb0\sl-322\slmult0\par\pard\li1418\sb125\sl-322\slmult0\fi0\t
x2138 \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf9\f10\fs28 3.\tab \up0 \ex
pndtw-3\charscalex100 FOS\ul0\nosupersub\cf10\f11\fs22 \ul0\nosupersub\cf9\f10\
fs28 D\ul0\nosupersub\cf10\f11\fs22 ETERMINATION \ul0\nosupersub\cf9\f10\fs28 C\
ul0\nosupersub\cf10\f11\fs22 ASE \ul0\nosupersub\cf9\f10\fs28 N\ul0\nosupersub\c
f10\f11\fs22 UMBER \ul0\nosupersub\cf9\f10\fs28 217468\par\pard\li1418\sb246\sl253\slmult0\fi0\tx1985 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22
45.\tab \up0 \expndtw0\charscalex105 The Applicant held a commercial business i
nsurance policy for a golf driving range which\par\pard\ql \li1985\sb3\sl-253\sl
mult0 \up0 \expndtw-2\charscalex100 covered his buildings for a sum insured of $
400,000.00 and contents for $80,000.00. \par\pard\ql \li1418\sb247\sl-253\slmult
0\tx1985 \up0 \expndtw-3\charscalex100 46. \tab \up0 \expndtw-2\charscalex100 Th
e netting, supporting poles and lighting on the driving rage were damaged follow
ing a storm \par\pard\ql \li1985\sb7\sl-253\slmult0 \up0 \expndtw-3\charscalex10
0 in 2007. The lower quote for repairs/replacement was $278,000.00. \par\pard\ql
\li1418\sb247\sl-253\slmult0\tx1985 \up0 \expndtw-3\charscalex100 47. \tab \up0
\expndtw0\charscalex100 The Applicant lodged a claim which was denied on the ba
sis that the damage was not caused \par\pard\qj \li1985\ri1239\sb2\sl-260\slmult
0 \up0 \expndtw0\charscalex103 by the storm event but was due to gradual deterio
ration which was not covered under the \line \up0 \expndtw0\charscalex107 policy
. The Applicant lodged a complaint and the FOS Panel overturned the decision on
\line \up0 \expndtw-3\charscalex100 liability. \par\pard\ql \li1418\sb246\sl-253
\slmult0\tx1985 \up0 \expndtw-3\charscalex100 48. \tab \up0 \expndtw0\charscalex
103 However, in relation to the quantum of the loss, the insurer asserted that t
he building and \par\pard\qj \li1985\ri1216\sb2\sl-260\slmult0 \up0 \expndtw0\ch
arscalex100 contents were substantially under insured and purported to rely upon
a \u8216?co-insurance\u8217? clause \up0 \expndtw-3\charscalex100 in the policy
to reduce the quantum of the damages payable. \par\pard\ql \li1418\sb246\sl-253
\slmult0\tx1985 \up0 \expndtw-3\charscalex100 49. \tab \up0 \expndtw-3\charscale
x100 The \u8216?co-insurance condition\u8217? stated: \par\pard\qj \li1985\ri162
0\sb242\sl-260\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf19\f20\fs
22 \u8216?... we shall be liable for no greater proportion of the loss or damage
than the sum insured \up0 \expndtw0\charscalex100 at the location bears to 80 p

er cent of the replacement cost of the property insured at the \up0 \expndtw-3\c
harscalex100 commencement of the period of insurance \u8230?\u8217? \par\pard\ql
\li1418\sb246\sl-253\slmult0\tx1985 \up0 \expndtw-3\charscalex100 \ul0\nosupers
ub\cf4\f5\fs22 50. \tab \up0 \expndtw0\charscalex100 The FOS Panel found that wh
ilst the value of the buildings was close to the sum insured, the \par\pard\ql \
li1985\sb7\sl-253\slmult0 \up0 \expndtw-2\charscalex100 full value of the nettin
g had not been factored into the total sum insured. \par\pard\ql \li1418\sb247\s
l-253\slmult0\tx1985 \up0 \expndtw-3\charscalex100 51. \tab \up0 \expndtw0\chars
calex100 Accordingly, the Panel found that the co-insurance clause did apply to
the calculation of the \par\pard\ql \li1985\sb7\sl-253\slmult0 \up0 \expndtw-3\c
harscalex100 loss and reduced the benefit payable from $278,000.00 to $200,000.0
0. \par\pard\ql \li1418\sb0\sl-264\slmult0 \par\pard\ql\li1418\sb0\sl-264\slmult
0 \par\pard\ql\li1418\sb10\sl-264\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nos
upersub\cf9\f10\fs28 C\ul0\nosupersub\cf10\f11\fs22 ASE STUDIES \ul0\nosupersub\
cf9\f10\fs28 \u8212?\ul0\nosupersub\cf10\f11\fs22 \ul0\nosupersub\cf9\f10\fs28
S\ul0\nosupersub\cf10\f11\fs22 UMMARY \par\pard\ql \li1418\sb246\sl-253\slmult0\
tx1985 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 52. \tab \up0 \
expndtw0\charscalex102 The above case studies highlight the artificiality of the
distinction between flood and storm \par\pard\qj \li1985\ri1209\sb2\sl-260\slmu
lt0 \up0 \expndtw-1\charscalex100 water, the complexities and expense involved i
n determining the source of water damage and \line \up0 \expndtw-2\charscalex100
the potential difficulties faced by insureds in establishing entitlements under
their policies. \par\pard\ql \li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0
\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\s
l-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-20
7\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\
slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\sl
mult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmu
lt0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult
0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0
\par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \p
ar\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par
\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb163\sl-207\slmult0 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf6\f7\fs18 135 \par\pard\sect\sectd\f
s24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg141}{\bkmkend Pg141}\pa
r\pard\ql \li1418\sb0\sl-368\slmult0 \par\pard\ql\li1418\sb0\sl-368\slmult0 \par
\pard\ql\li1418\sb0\sl-368\slmult0 \par\pard\ql\li1418\sb0\sl-368\slmult0 \par\p
ard\ql\li1418\sb103\sl-368\slmult0 \up0 \expndtw0\charscalex97 \ul0\nosupersub\c
f7\f8\fs40 L\ul0\nosupersub\cf8\f9\fs32 IST OF SUBMISSIONS \par\pard\ql \li1418\
sb0\sl-253\slmult0 \par\pard\ql\li1418\sb134\sl-253\slmult0\tx10159 \up0 \expndt
w0\charscalex110 \ul0\nosupersub\cf4\f5\fs22 Following the publication of the Re
view Panel\u8217?s Issues Paper on 2 June 2011, a total of \tab \up0 \expndtw-4\
charscalex100 121 \par\pard\ql \li1418\sb7\sl-253\slmult0 \up0 \expndtw-2\charsc
alex100 Submissions were received and 12 that were confidential. The remaining 1
09 are listed below. \par\pard\li1560\sb0\sl-218\slmult0\par\pard\li1560\sb162\s
l-218\slmult0\fi0\tx6097 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf46\f47\
fs19 Abacus Australian Mutuals\tab \up0 \expndtw-2\charscalex100 Fisk, Reg\par\p
ard\li1560\sb180\sl-218\slmult0\fi0\tx6097 \up0 \expndtw-2\charscalex100 Ajilon\
tab \up0 \expndtw-2\charscalex100 Fleming Pastoral Company\par\pard\li1560\sb178
\sl-218\slmult0\fi0\tx6097 \up0 \expndtw-2\charscalex100 Allianz Australia Insur
ance Ltd\tab \up0 \expndtw-2\charscalex100 Floodplain Management Association\par
\pard\li1560\sb178\sl-218\slmult0\fi0\tx6097 \up0 \expndtw-2\charscalex100 Apple
garth Insurance and Trade Consultants\tab \up0 \expndtw-2\charscalex100 FM Globa
l\par\pard\li1560\sb181\sl-218\slmult0\fi0\tx6097 \up0 \expndtw-2\charscalex100
Arnold, Michael\tab \up0 \expndtw-2\charscalex100 Frazer, Frank\par\pard\li1560\
sb178\sl-218\slmult0\fi0\tx6097 \up0 \expndtw-2\charscalex100 Australian Bankers
Association\tab \up0 \expndtw-2\charscalex100 Gillies, Peter\par\pard\li1560\sb
181\sl-218\slmult0\fi0\tx6097 \up0 \expndtw-2\charscalex100 Australian Centre fo
r Financial Studies\tab \up0 \expndtw-2\charscalex100 Glazebrook, John\par\pard\

li1560\sb178\sl-218\slmult0\fi0\tx6097 \up0 \expndtw-2\charscalex100 Australian

Finance Conference\tab \up0 \expndtw-2\charscalex100 Gordon, Angus\par\pard\li15
60\sb178\sl-218\slmult0\fi0\tx6097 \up0 \expndtw-2\charscalex100 Australian Loca
l Government Association\tab \up0 \expndtw-2\charscalex100 Green, Kathy\par\pard
\li1560\sb180\sl-218\slmult0\fi0\tx6097 \up0 \expndtw-2\charscalex100 Australian
Red Cross\tab \up0 \expndtw-2\charscalex100 Hassall, Mike\par\pard\li1560\sb178
\sl-218\slmult0\fi0\tx6097 \up0 \expndtw-2\charscalex100 Baird, Helga and Willia
m\tab \up0 \expndtw-2\charscalex100 Hastings, Marilyn\par\pard\li1560\sb180\sl-2
18\slmult0\fi0\tx6097 \up0 \expndtw-2\charscalex100 Bartlett, John\tab \up0 \exp
ndtw-2\charscalex100 Hayes, Andrew (sub 1)\par\pard\li1560\sb178\sl-218\slmult0\
fi0\tx6097 \up0 \expndtw-2\charscalex100 Beadsmoore, D\tab \up0 \expndtw-2\chars
calex100 Hayes, Andrew (sub 2)\par\pard\li1560\sb178\sl-218\slmult0\fi0\tx6097 \
up0 \expndtw-2\charscalex100 Bonifant, Lisa\tab \up0 \expndtw-2\charscalex100 Ho
llis, Linda & Mark\par\pard\li1560\sb181\sl-218\slmult0\fi0\tx6097 \up0 \expndtw
-2\charscalex100 Brisbane City Council\tab \up0 \expndtw-2\charscalex100 Humphri
es, Joe and Carol\par\pard\li1560\sb178\sl-218\slmult0\fi0\tx6097 \up0 \expndtw2\charscalex100 Bristed, Nicola\tab \up0 \expndtw-2\charscalex100 Hutchison, Bob
\par\pard\li1560\sb178\sl-218\slmult0\fi0\tx6097 \up0 \expndtw-2\charscalex100 B
rotherhood of St Laurence\tab \up0 \expndtw-2\charscalex100 Institute of Actuari
es of Australia\par\pard\li1560\sb181\sl-218\slmult0\fi0\tx6097 \up0 \expndtw-2\
charscalex100 Bruce, Bob\tab \up0 \expndtw-2\charscalex100 Insurance Australia G
roup\par\pard\li1560\sb178\sl-218\slmult0\fi0\tx6097 \up0 \expndtw-2\charscalex1
00 Bull, Ken\tab \up0 \expndtw-2\charscalex100 Insurance Council Australia\par\p
ard\li1560\sb180\sl-218\slmult0\fi0\tx6097 \up0 \expndtw-2\charscalex100 Byrnes,
Alan\tab \up0 \expndtw-2\charscalex100 Insurance Law Service\par\pard\li1560\sb
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bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz162\shplid1
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\shp {\*\shpinst\shpleft5960\shptop3738\shpright10493\shpbottom3758\shpfhdr0\sh
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz362\shplid11
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\shp {\*\shpinst\shpleft5955\shptop5324\shpright5961\shpbottom5329\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz492\shplid16
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\shp {\*\shpinst\shpleft5955\shptop5721\shpright5961\shpbottom5726\shpfhdr0\shp
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz560\shplid20
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz622\shplid21
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\shp {\*\shpinst\shpleft5960\shptop6119\shpright10493\shpbottom6139\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz626\shplid23
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4533}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4533,20);(4533,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1418\shptop6515\shpright5956\shpbottom6535\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz688\shplid24
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4538}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4538,20);(4538,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft5955\shptop6515\shpright5961\shpbottom6520\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz690\shplid25
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 6}}{\sp{\sn geoBottom}{\sv 5}}
{\sp{\sn pVerticies}{\sv 8;5;(1,5);(6,5);(6,0);(1,0);(1,5)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}

{\shp {\*\shpinst\shpleft5960\shptop6515\shpright10493\shpbottom6535\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz692\shplid26
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4533}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4533,20);(4533,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1418\shptop6913\shpright5956\shpbottom6933\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz754\shplid27
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4538}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4538,20);(4538,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft5955\shptop6913\shpright5961\shpbottom6919\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz756\shplid28
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 6}}{\sp{\sn geoBottom}{\sv 6}}
{\sp{\sn pVerticies}{\sv 8;5;(1,5);(6,5);(6,1);(1,1);(1,5)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft5960\shptop6913\shpright10493\shpbottom6933\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz758\shplid29
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4533}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4533,20);(4533,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1418\shptop7309\shpright5956\shpbottom7329\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz820\shplid30
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4538}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4538,20);(4538,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}

{\shp {\*\shpinst\shpleft5955\shptop7309\shpright5961\shpbottom7315\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz822\shplid31
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 6}}{\sp{\sn geoBottom}{\sv 6}}
{\sp{\sn pVerticies}{\sv 8;5;(1,5);(6,5);(6,1);(1,1);(1,5)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft5960\shptop7309\shpright10493\shpbottom7329\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz824\shplid32
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4533}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4533,20);(4533,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1418\shptop7705\shpright5956\shpbottom7725\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz886\shplid33
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4538}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4538,20);(4538,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft5955\shptop7705\shpright5961\shpbottom7711\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz888\shplid34
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 6}}{\sp{\sn geoBottom}{\sv 6}}
{\sp{\sn pVerticies}{\sv 8;5;(1,5);(6,5);(6,1);(1,1);(1,5)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft5960\shptop7705\shpright10493\shpbottom7725\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz890\shplid35
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4533}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4533,20);(4533,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}

{\shp {\*\shpinst\shpleft1418\shptop8104\shpright5956\shpbottom8124\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz952\shplid36
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4538}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4538,20);(4538,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft5955\shptop8104\shpright5961\shpbottom8109\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz954\shplid37
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 6}}{\sp{\sn geoBottom}{\sv 5}}
{\sp{\sn pVerticies}{\sv 8;5;(1,5);(6,5);(6,0);(1,0);(1,5)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft5960\shptop8104\shpright10493\shpbottom8124\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz956\shplid38
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4533}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4533,20);(4533,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1418\shptop8500\shpright5956\shpbottom8520\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1018\shplid39
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4538}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4538,20);(4538,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft5955\shptop8500\shpright5961\shpbottom8505\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1020\shplid40
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 6}}{\sp{\sn geoBottom}{\sv 5}}
{\sp{\sn pVerticies}{\sv 8;5;(1,5);(6,5);(6,0);(1,0);(1,5)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}

{\shp {\*\shpinst\shpleft5960\shptop8500\shpright10493\shpbottom8520\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1022\shplid41
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4533}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4533,20);(4533,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1418\shptop8898\shpright5956\shpbottom8918\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1084\shplid42
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4538}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4538,20);(4538,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft5955\shptop8898\shpright5961\shpbottom8903\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1086\shplid43
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 6}}{\sp{\sn geoBottom}{\sv 5}}
{\sp{\sn pVerticies}{\sv 8;5;(1,5);(6,5);(6,0);(1,0);(1,5)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft5960\shptop8898\shpright10493\shpbottom8918\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1088\shplid44
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4533}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4533,20);(4533,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1418\shptop9294\shpright5956\shpbottom9314\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1150\shplid45
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4538}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4538,20);(4538,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}

{\shp {\*\shpinst\shpleft5955\shptop9294\shpright5961\shpbottom9299\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1152\shplid46
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 6}}{\sp{\sn geoBottom}{\sv 5}}
{\sp{\sn pVerticies}{\sv 8;5;(1,5);(6,5);(6,0);(1,0);(1,5)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft5960\shptop9294\shpright10493\shpbottom9314\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1154\shplid47
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4533}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4533,20);(4533,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1418\shptop9691\shpright5956\shpbottom9711\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1227\shplid48
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4538}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4538,20);(4538,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft5955\shptop9691\shpright5961\shpbottom9696\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1229\shplid49
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 6}}{\sp{\sn geoBottom}{\sv 5}}
{\sp{\sn pVerticies}{\sv 8;5;(1,5);(6,5);(6,0);(1,0);(1,5)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft5960\shptop9691\shpright10493\shpbottom9711\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1231\shplid50
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4533}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4533,20);(4533,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}

{\shp {\*\shpinst\shpleft1418\shptop10089\shpright5956\shpbottom10109\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1293\shplid51
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4538}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4538,20);(4538,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft5955\shptop10089\shpright5961\shpbottom10094\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1295\shplid52
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 6}}{\sp{\sn geoBottom}{\sv 5}}
{\sp{\sn pVerticies}{\sv 8;5;(1,5);(6,5);(6,0);(1,0);(1,5)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft5960\shptop10089\shpright10493\shpbottom10109\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1297\shplid53
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4533}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4533,20);(4533,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1418\shptop10485\shpright5956\shpbottom10505\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1359\shplid54
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4538}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4538,20);(4538,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft5955\shptop10485\shpright5961\shpbottom10490\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1361\shplid55
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 6}}{\sp{\sn geoBottom}{\sv 5}}
{\sp{\sn pVerticies}{\sv 8;5;(1,5);(6,5);(6,0);(1,0);(1,5)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}

{\shp {\*\shpinst\shpleft5960\shptop10485\shpright10493\shpbottom10505\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1363\shplid56
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4533}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4533,20);(4533,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1418\shptop10883\shpright5956\shpbottom10903\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1425\shplid57
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4538}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4538,20);(4538,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft5955\shptop10883\shpright5961\shpbottom10889\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1427\shplid58
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 6}}{\sp{\sn geoBottom}{\sv 6}}
{\sp{\sn pVerticies}{\sv 8;5;(1,5);(6,5);(6,1);(1,1);(1,5)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft5960\shptop10883\shpright10493\shpbottom10903\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1429\shplid59
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4533}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4533,20);(4533,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1418\shptop11279\shpright5956\shpbottom11299\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1491\shplid60
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4538}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4538,20);(4538,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}

{\shp {\*\shpinst\shpleft5955\shptop11279\shpright5961\shpbottom11285\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1493\shplid61
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 6}}{\sp{\sn geoBottom}{\sv 6}}
{\sp{\sn pVerticies}{\sv 8;5;(1,5);(6,5);(6,1);(1,1);(1,5)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft5960\shptop11279\shpright10493\shpbottom11299\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1495\shplid62
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4533}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4533,20);(4533,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1418\shptop11675\shpright5956\shpbottom11695\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1557\shplid63
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4538}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4538,20);(4538,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft5955\shptop11675\shpright5961\shpbottom11681\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1559\shplid64
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 6}}{\sp{\sn geoBottom}{\sv 6}}
{\sp{\sn pVerticies}{\sv 8;5;(1,5);(6,5);(6,1);(1,1);(1,5)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft5960\shptop11675\shpright10493\shpbottom11695\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1561\shplid65
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4533}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4533,20);(4533,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}

{\shp {\*\shpinst\shpleft1418\shptop12074\shpright5956\shpbottom12094\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1634\shplid66
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4538}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4538,20);(4538,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft5955\shptop12074\shpright5961\shpbottom12079\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1636\shplid67
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 6}}{\sp{\sn geoBottom}{\sv 5}}
{\sp{\sn pVerticies}{\sv 8;5;(1,5);(6,5);(6,0);(1,0);(1,5)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft5960\shptop12074\shpright10493\shpbottom12094\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1638\shplid68
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4533}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4533,20);(4533,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1418\shptop12470\shpright5956\shpbottom12490\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1700\shplid69
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4538}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4538,20);(4538,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft5955\shptop12470\shpright5961\shpbottom12475\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1702\shplid70
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 6}}{\sp{\sn geoBottom}{\sv 5}}
{\sp{\sn pVerticies}{\sv 8;5;(1,5);(6,5);(6,0);(1,0);(1,5)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}

{\shp {\*\shpinst\shpleft5960\shptop12470\shpright10493\shpbottom12490\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1704\shplid71
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4533}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4533,20);(4533,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1418\shptop12866\shpright5956\shpbottom12886\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1766\shplid72
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 4538}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4538,20);(4538,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft5955\shptop12866\shpright5961\shpbottom12871\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1768\shplid73
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 6}}{\sp{\sn geoBottom}{\sv 5}}
{\sp{\sn pVerticies}{\sv 8;5;(1,5);(6,5);(6,0);(1,0);(1,5)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft5960\shptop12866\shpright10493\shpbottom12886\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1770\shplid74
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
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bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz1219\shplid51
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn pVerticies}{\sv 8;5;(0,20);(4538,20);(4538,0);(0,0);(0,20)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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}}
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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}}
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}

}}
{\shp {\*\shpinst\shpleft5960\shptop10132\shpright10493\shpbottom10152\shpfhdr0\
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}}
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g143}{\bkmkend Pg143}\par\pard\ql \li1418\sb0\sl-379\slmult0 \par\pard\ql\li1418
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lex97 \ul0\nosupersub\cf7\f8\fs40 B\ul0\nosupersub\cf8\f9\fs32 IOGRAPHIES OF \ul
0\nosupersub\cf7\f8\fs40 R\ul0\nosupersub\cf8\f9\fs32 EVIEW \ul0\nosupersub\cf7\
f8\fs40 P\ul0\nosupersub\cf8\f9\fs32 ANEL \ul0\nosupersub\cf7\f8\fs40 M\ul0\nosu
persub\cf8\f9\fs32 EMBERS \par\pard\ql \li1418\sb0\sl-264\slmult0 \par\pard\ql\l
i1418\sb0\sl-264\slmult0 \par\pard\ql\li1418\sb148\sl-264\slmult0 \up0 \expndtw3\charscalex100 \ul0\nosupersub\cf9\f10\fs28 J\ul0\nosupersub\cf10\f11\fs22 OHN
\ul0\nosupersub\cf9\f10\fs28 T\ul0\nosupersub\cf10\f11\fs22 ROWBRIDGE \ul0\nosup
ersub\cf9\f10\fs28 \u8212?\ul0\nosupersub\cf10\f11\fs22 \ul0\nosupersub\cf9\f10
\fs28 C\ul0\nosupersub\cf10\f11\fs22 HAIRMAN \par\pard\qj \li1418\ri1224\sb240\s
l-260\slmult0 \up0 \expndtw0\charscalex107 \ul0\nosupersub\cf4\f5\fs22 John Trow
bridge completed in 2010 a four year term as one of three Government-appointed \
up0 \expndtw0\charscalex102 executive members of the Australian Prudential Regul
ation Authority (APRA), Australia's national \up0 \expndtw-1\charscalex100 prude
ntial regulator for banking, insurance and superannuation. He had carriage at AP
RA of life and \up0 \expndtw0\charscalex100 general insurance and also executive
remuneration. During this time he was also a member of the \up0 \expndtw0\chars
calex103 Executive Committee of the International Association of Insurance Super
visors and a member of \up0 \expndtw-3\charscalex100 Australia's Financial Repor
ting Council. \par\pard\qj \li1418\ri1220\sb240\sl-260\slmult0 \up0 \expndtw0\ch
arscalex103 Before joining APRA, John had spent the larger part of his career as
a consultant, having founded \up0 \expndtw0\charscalex103 Trowbridge Consulting
in 1981, a firm which was known as an insurance specialist and became a \up0 \e
xpndtw0\charscalex100 leading actuarial and management consulting firm in Austra
lia and Asia during the next 20 years. It \up0 \expndtw0\charscalex106 merged wi
th Deloitte in 2000. He had previously worked with Commonwealth Treasury in the
\up0 \expndtw-1\charscalex100 Government Actuary's Office and had also held seni
or executive positions with QBE Insurance. After \up0 \expndtw0\charscalex100 co
mpleting his consulting career in 2002, he led Suncorp's insurance business for
a period and was \up0 \expndtw-3\charscalex100 subsequently a local director of
Munich Reinsurance. \par\pard\qj \li1418\ri1216\sb240\sl-260\slmult0 \up0 \expnd
tw0\charscalex104 He has undertaken a very wide range of consulting assignments
in his time and has developed a \up0 \expndtw-2\charscalex100 reputation as one
of Australia's foremost experts in general insurance. \par\pard\qj \li1418\ri123
7\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex106 He was President of the Inst
itute of Actuaries of Australia in 1998, served as a member of the \line \up0 \e
xpndtw0\charscalex106 Australian Treasurer's Financial Sector Advisory Council f
rom \up0 \expndtw0\charscalex106 1998 to 2004, was awarded a \par\pard\ql \li
1418\sb6\sl-253\slmult0 \up0 \expndtw-3\charscalex100 Centenary Medal in 2001 an
d was named Actuary of the Year in 2006. \par\pard\ql \li1418\sb0\sl-264\slmult0
\par\pard\ql\li1418\sb0\sl-264\slmult0 \par\pard\ql\li1418\sb0\sl-264\slmult0 \
par\pard\ql\li1418\sb106\sl-264\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosup
ersub\cf9\f10\fs28 J\ul0\nosupersub\cf10\f11\fs22 IM \ul0\nosupersub\cf9\f10\fs2
8 M\ul0\nosupersub\cf10\f11\fs22 INTO \ul0\nosupersub\cf9\f10\fs28 \u8212?\ul0\n
osupersub\cf10\f11\fs22 \ul0\nosupersub\cf9\f10\fs28 P\ul0\nosupersub\cf10\f11\
fs22 ANEL \ul0\nosupersub\cf9\f10\fs28 M\ul0\nosupersub\cf10\f11\fs22 EMBER \par
\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb13\sl-253\slmult0 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 Jim Minto joined TOWER in
New Zealand in 1988 as Managing Director of the Group's Trust business. \par\par
d\qj \li1418\ri1219\sb242\sl-260\slmult0 \up0 \expndtw0\charscalex107 He went on
to run several of the other TOWER Limited businesses \u8212? Managed Funds, Hea
lth \up0 \expndtw0\charscalex103 Insurance, Life Insurance and General Insurance
\u8212? before taking on the role of Group Managing \up0 \expndtw-3\charscalex1
00 Director of the trans-Tasman TOWER Limited Group. \par\pard\qj \li1418\ri1207
\sb240\sl-260\slmult0 \up0 \expndtw-1\charscalex100 When the TOWER Limited Group
demerged in 2006 Jim was appointed Managing Director of TOWER \line \up0 \expnd

tw-1\charscalex100 Australia, (now known as TAL) which is now the third largest
Life Insurer in Australia by premiums. \par\pard\qj \li1418\ri1222\sb240\sl-260\
slmult0 \up0 \expndtw0\charscalex100 A Chartered Accountant, Jim holds a number
of other directorships and has been active in industry \up0 \expndtw-3\charscale
x100 bodies throughout his career. He is currently on the Board of ASFA. \par\pa
rd\qj \li1418\ri1235\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex100 Jim Minto
is a strong public advocate for the social importance of the Life Insurance ind
ustry to the \up0 \expndtw-3\charscalex100 people of Australia. \par\pard\ql \li
5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li58
04\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804
\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\s
b0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0
\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb74\
sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf6\f7\fs18 138 \pa
r\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg144}
{\bkmkend Pg144}\par\pard\ql \li7542\sb0\sl-207\slmult0 \par\pard\ql\li7542\sb0\
sl-207\slmult0 \par\pard\ql\li7542\sb14\sl-207\slmult0 \up0 \expndtw-2\charscale
x100 \ul0\nosupersub\cf1\f2\fs18 Biographies of Review Panel Members \par\pard\q
l \li1418\sb0\sl-264\slmult0 \par\pard\ql\li1418\sb0\sl-264\slmult0 \par\pard\ql
\li1418\sb38\sl-264\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf9\f1
0\fs28 J\ul0\nosupersub\cf10\f11\fs22 OHN \ul0\nosupersub\cf9\f10\fs28 B\ul0\nos
upersub\cf10\f11\fs22 ERRILL \ul0\nosupersub\cf9\f10\fs28 \u8212?\ul0\nosupersub
\cf10\f11\fs22 \ul0\nosupersub\cf9\f10\fs28 P\ul0\nosupersub\cf10\f11\fs22 ANEL
\ul0\nosupersub\cf9\f10\fs28 M\ul0\nosupersub\cf10\f11\fs22 EMBER \par\pard\qj
\li1418\ri1231\sb227\sl-300\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf5\f6\fs24 John Berrill is a Principal at Maurice Blackburn and is the head o
f the largest national plaintiff \up0 \expndtw-3\charscalex100 Superannuation an
d Insurance Claims practice in Australia. \par\pard\qj \li1418\ri1340\sb257\sl-2
80\slmult0 \up0 \expndtw-2\charscalex100 John has more than 15 years experience
in insurance, superannuation and financial services \up0 \expndtw-3\charscalex10
0 law and is an accredited personal injuries specialist. \par\pard\ql \li1418\ri
1413\sb252\sl-290\slmult0 \up0 \expndtw-2\charscalex100 He was a consumer repres
entative on the Financial Industry Complaints Service Panel from \up0 \expndtw-2
\charscalex100 1995 to 2001 and from 2004 to 2005 and the FICS Board from 2005 t
o 2009. He was also a \up0 \expndtw-2\charscalex100 member of the Stronger Super
Peak Consultative Group in 2011 and the FOS Life Insurance \up0 \expndtw-2\char
scalex100 Advisory Committee from 2009 to 2011. He is a consumer representative
on the Travel \line \up0 \expndtw-3\charscalex100 Compensation Fund Board. \par\
pard\ql \li1418\sb262\sl-276\slmult0 \up0 \expndtw-2\charscalex100 John was a fo
unding member of the HIV/Aids Legal Centre and is also a member of the \par\pard
\qj \li1418\ri1499\sb21\sl-280\slmult0 \up0 \expndtw-2\charscalex100 Consumers F
ederation of Australia, the Chronic Illness Alliance and the Australian Lawyers
\up0 \expndtw-3\charscalex100 Alliance. \par\pard\ql \li1418\ri1352\sb252\sl-290
\slmult0 \up0 \expndtw-2\charscalex100 John provides legal insurance and superan
nuation advice and advocacy to many disability \up0 \expndtw-2\charscalex100 sup
port groups, unions and consumer groups, and acts for workers and people with ch
ronic \up0 \expndtw-3\charscalex100 illnesses and disabilities. \par\pard\ql \li
5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li58
04\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804
\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\s
b0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0
\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\s
l-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-20
7\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\
slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\sl
mult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmu
lt0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult
0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0
\par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \p

ar\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par

\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\p
ard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\par
d\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\
ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql
\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\l
i5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5
804\sb112\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf6\f7\fs
18 139 \par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkst
art Pg145}{\bkmkend Pg145}\par\pard\ql \li1418\sb0\sl-379\slmult0 \par\pard\ql\l
i1418\sb0\sl-379\slmult0 \par\pard\ql\li1418\sb0\sl-379\slmult0 \par\pard\ql\li1
418\sb0\sl-379\slmult0 \par\pard\ql\li1418\sb50\sl-379\slmult0 \up0 \expndtw0\ch
arscalex95 \ul0\nosupersub\cf7\f8\fs40 S\ul0\nosupersub\cf8\f9\fs32 ECRETARIAT \
par\pard\ql \li1418\sb0\sl-253\slmult0 \par\pard\ql\li1418\sb133\sl-253\slmult0
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 Assistance was provide
d to the Review by the Australian Government Actuary, Mr Peter Martin. \par\pard
\qj \li1418\ri1228\sb242\sl-260\slmult0 \up0 \expndtw-1\charscalex100 A secretar
iat was established in the Treasury to assist the Review Panel. It consisted of
9 staff drawn \up0 \expndtw0\charscalex102 from within Treasury, the Australian
Reinsurance Pool Corporation, and the Australian Prudential \up0 \expndtw-3\char
scalex100 Regulation Authority. \par\pard\ql \li1418\sb0\sl-379\slmult0 \par\par
d\ql\li1418\sb283\sl-379\slmult0 \up0 \expndtw0\charscalex95 \ul0\nosupersub\cf7
\f8\fs40 C\ul0\nosupersub\cf8\f9\fs32 ONSULTANTS \par\pard\ql \li1418\sb0\sl-253
\slmult0 \par\pard\ql\li1418\sb133\sl-253\slmult0\tx7419 \up0 \expndtw0\charscal
ex103 \ul0\nosupersub\cf4\f5\fs22 The Review Panel was also assisted by M
r Graeme Adams \tab \up0 \expndtw0\charscalex102 (General Advisory Pty Limite
d), \par\pard\ql \li1418\sb7\sl-253\slmult0 \up0 \expndtw-3\charscalex100 Mr Mar
k Babister (WMAwater) and Mr Geoff Atkins (Finity). \par\pard\ql \li1418\sb247\s
l-253\slmult0 \up0 \expndtw-2\charscalex100 Communication support was provided b
y Armon Hicks (Kreab & Gavin Anderson) \par\pard\ql \li1418\sb0\sl-368\slmult0 \
par\pard\ql\li1418\sb304\sl-368\slmult0 \up0 \expndtw0\charscalex97 \ul0\nosuper
sub\cf7\f8\fs40 P\ul0\nosupersub\cf8\f9\fs32 APERS PRODUCED FOR THE \ul0\nosuper
sub\cf7\f8\fs40 R\ul0\nosupersub\cf8\f9\fs32 EVIEW \par\pard\qj \li1418\ri2390\s
b183\sl-500\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4\f5\fs22 Mr
Chris Connolly (Transia Pty Ltd) \u8212? A consumer perspective on the NDIR Iss
ues Paper. \up0 \expndtw-2\charscalex100 Alan Mason (Melzan Pty Ltd) \u8212? A H
istory of Flood Insurance in Australia. \par\pard\ql \li5804\sb0\sl-207\slmult0
\par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \p
ar\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par
\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\p
ard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\par
d\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\
ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql
\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\l
i5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5
804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li580
4\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\
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lmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb138\sl-207\s
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ect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg146}{\bkmken
d Pg146}\par\pard\ql \li1418\sb0\sl-345\slmult0 \par\pard\ql\li1418\sb0\sl-345\s
lmult0 \par\pard\ql\li1418\sb0\sl-345\slmult0 \par\pard\ql\li1418\sb0\sl-345\slm
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supersub\cf23\f24\fs36 S\ul0\nosupersub\cf25\f26\fs29 PEECHES\ul0\nosupersub\cf2

3\f24\fs36 /P\ul0\nosupersub\cf25\f26\fs29 RESENTATIONS \par\pard\ql \li1526\ri6

902\sb147\sl-500\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs
22 Biennial Conference \u8212? 12 April 2011 \up0 \expndtw-3\charscalex100 Flood
Seminar \u8212? 16 May 2011 \line \up0 \expndtw-3\charscalex100 FSAA \u8212? 23
May 2011 \par\pard\qj \li1526\ri7039\sb0\sl-500\slmult0 \up0 \expndtw-3\charsca
lex100 Law Institute Seminar \u8212? June 2011 \up0 \expndtw-3\charscalex100 IAA
Seminar \u8212? 6 July 2011 \par\pard\ql \li1526\ri4584\sb0\sl-500\slmult0 \up0
\expndtw-3\charscalex100 Australian Centre for Financial Studies Seminar \u8212
? 12 July 2011 \line \up0 \expndtw-3\charscalex100 University of Queensland Semi
nar \u8212? 15 July 2011 \line \up0 \expndtw-3\charscalex100 ESA \u8212? Austral
ian Economic Forum \u8212? 23 September 2011 \par\pard\ql \li5804\sb0\sl-207\slm
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par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \pa
r\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\
pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pa
rd\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard
\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\q
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b0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0
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slmult0 \par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb0\sl-207\sl
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\par\pard\ql\li5804\sb0\sl-207\slmult0 \par\pard\ql\li5804\sb14\sl-207\slmult0 \
up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf6\f7\fs18 141 \par\pard\sect\sect
d\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg147}{\bkmkend Pg147}
\par\pard\ql \li1133\sb0\sl-264\slmult0 \par\pard\ql\li1133\sb0\sl-264\slmult0 \
par\pard\ql\li1133\sb0\sl-264\slmult0 \par\pard\ql\li1133\sb0\sl-264\slmult0 \pa
r\pard\ql\li1133\sb85\sl-264\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupers
ub\cf9\f10\fs28 G\ul0\nosupersub\cf10\f11\fs22 LOSSARY\par\pard\sect\sectd\sbkno
ne\cols2\colno1\colw4343\colsr160\colno2\colw7257\colsr160\ql \li1241\sb0\sl-184
\slmult0 \par\pard\ql \li1241\sb0\sl-184\slmult0 \par\pard\ql \li1241\sb15\sl-18
4\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf31\f32\fs16 Term\par\p
ard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb99\sl-253\slmult0 \up0
\expndtw-3\charscalex100 \ul0\nosupersub\cf44\f45\fs22 Actuarially fair rate\par
\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par
\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb17\sl-253\slmult0 \up
0 \expndtw-3\charscalex100 Australian Consumer Law\par\pard\ql \li1241\sb0\sl-25
3\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-25
3\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb26\sl-2
53\slmult0 \up0 \expndtw-3\charscalex100 Automatic Flood Cover\par\pard\qj \li12
41\sb0\sl-259\slmult0 \par\pard\qj \li1241\sb0\sl-259\slmult0 \par\pard\qj \li12
41\ri480\sb256\sl-259\slmult0 \up0 \expndtw-3\charscalex100 Automatic Flood Cove
r with \up0 \expndtw-3\charscalex100 Opt-out\par\pard\ql \li1241\sb0\sl-253\slmu
lt0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmu
lt0 \par\pard\ql \li1241\sb16\sl-253\slmult0 \up0 \expndtw-3\charscalex100 Body
corporate\par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253
\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb18\sl-25
3\slmult0 \up0 \expndtw-3\charscalex100 Captive insurance company\par\pard\ql \l
i1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \l

i1241\sb11\sl-253\slmult0 \up0 \expndtw-3\charscalex100 Company title property\p

ar\pard\qj \li1241\sb0\sl-511\slmult0 \par\pard\qj \li1241\ri2212\sb53\sl-511\sl
mult0 \up0 \expndtw-3\charscalex100 Contents \line \up0 \expndtw-3\charscalex100
Councils\par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253
\slmult0 \par\pard\ql \li1241\sb226\sl-253\slmult0 \up0 \expndtw-3\charscalex100
Cyclone\par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\
slmult0 \par\pard\ql \li1241\sb12\sl-253\slmult0 \up0 \expndtw-3\charscalex100 E
x gratia payment\par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0
\sl-253\slmult0 \par\pard\ql \li1241\sb12\sl-253\slmult0 \up0 \expndtw-3\charsca
lex100 Excess\par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl
-253\slmult0 \par\pard\ql \li1241\sb11\sl-253\slmult0 \up0 \expndtw-3\charscalex
100 External dispute resolution\par\pard\column \ql \li4503\sb0\sl-253\slmult0 \
par\pard\ql \li20\sb154\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupe
rsub\cf22\f23\fs22 Definition\par\pard\qj \li20\ri910\sb134\sl-260\slmult0 \up0
\expndtw-3\charscalex100 \ul0\nosupersub\cf4\f5\fs22 The price that would cover
the expected claims cost determined using \line \up0 \expndtw0\charscalex107 sou
nd actuarial principles along with a margin for expenses and \line \up0 \expndtw
-3\charscalex100 profit.\par\pard\qj \li20\ri907\sb249\sl-260\slmult0 \up0 \expn
dtw0\charscalex106 The Australian Consumer Law was passed as the \ul0\nosupersub
\cf19\f20\fs22 Trade Practices \line \up0 \expndtw0\charscalex102 Amendment (Au
stralian Consumer Law) Act (No. 1) 2101\ul0\nosupersub\cf4\f5\fs22 which \
line \up0 \expndtw0\charscalex103 amends the \ul0\nosupersub\cf19\f20\fs22 Aus
tralian Securities and Investments Commission \line \up0 \expndtw-3\charscal
ex100 Act 2001.\par\pard\qj \li20\ri909\sb252\sl-259\slmult0 \up0 \expndtw0\char
scalex101 \ul0\nosupersub\cf4\f5\fs22 All insurers are obliged to offer flood co
ver in their home insurance \up0 \expndtw0\charscalex104 policies and all homeow
ners who purchase home insurance must \up0 \expndtw-3\charscalex100 purchase flo
od cover.\par\pard\qj \li20\ri908\sb253\sl-260\slmult0 \up0 \expndtw0\charscalex
101 All insurers are obliged to offer flood cover in their home insurance \line
\up0 \expndtw0\charscalex103 policies but homeowners can choose to purchase home
insurance \line \up0 \expndtw0\charscalex102 that does not include flood cover;
that is, they can opt-out of flood \line \up0 \expndtw-3\charscalex100 cover.\p
ar\pard\qj \li20\ri911\sb248\sl-260\slmult0 \up0 \expndtw-2\charscalex100 A sepa
rate legal entity created to manage the issues of necessary and \line \up0 \expn
dtw-2\charscalex100 mutual interest associated with the ownership of strata titl
e property, \line \up0 \expndtw-3\charscalex100 including owners\u8217? corporat
ions, strata companies or other entities.\par\pard\qj \li20\ri912\sb249\sl-261\s
lmult0 \up0 \expndtw0\charscalex100 An insurance company that is dedicated to in
suring one entity, such \up0 \expndtw-3\charscalex100 as the owner and financier
of the Captive.\par\pard\qj \li20\ri910\sb248\sl-260\slmult0 \up0 \expndtw0\cha
rscalex108 Buildings and land owned by a company. Through owning a set \up0 \exp
ndtw0\charscalex102 number of shares in the company, shareholders obtain the rig
ht to \up0 \expndtw-3\charscalex100 occupy a defined area in the company\u8217?s
building.\par\pard\ql \li4503\sb0\sl-253\slmult0 \par\pard\ql \li20\sb1\sl-253\
slmult0 \up0 \expndtw-3\charscalex100 In this Report, refers to home contents.\p
ar\pard\qj \li20\ri908\sb254\sl-260\slmult0 \up0 \expndtw-2\charscalex100 In the
context of the Issues Paper, the term Council generally refers to \up0 \expndtw
0\charscalex102 a local government authority, that is, the governing body of a l
ocal \up0 \expndtw-3\charscalex100 government area.\par\pard\qj \li20\ri911\sb24
9\sl-259\slmult0 \up0 \expndtw0\charscalex102 A violent disturbance of the atmos
phere associated with sustained \up0 \expndtw-3\charscalex100 gale force winds.\
par\pard\qj \li20\ri911\sb253\sl-259\slmult0 \up0 \expndtw0\charscalex100 A paym
ent made where no liability or obligation exists on the payer \up0 \expndtw-3\ch
arscalex100 to make the payment.\par\pard\qj \li20\ri912\sb253\sl-259\slmult0 \u
p0 \expndtw0\charscalex105 In the context of an insurance policy, an excess is t
he amount for \up0 \expndtw-3\charscalex100 which a policyholder is liable in th
e event of a claim.\par\pard\qj \li20\ri909\sb252\sl-260\slmult0 \up0 \expndtw0\
charscalex102 An alternative mechanism to the Court process to enable a dispute
\up0 \expndtw0\charscalex103 between two parties to be resolved by an independen
t umpire. In \up0 \expndtw-1\charscalex100 Australia, the mechanism used to reso

lve general insurance disputes \up0 \expndtw-3\charscalex100 is the Financial Om

budsman Service (FOS).\par\pard\ql \li5802\sb0\sl-207\slmult0 \par\pard\ql \li58
02\sb0\sl-207\slmult0 \par\pard\ql \li5802\sb0\sl-207\slmult0 \par\pard\ql \li58
02\sb0\sl-207\slmult0 \par\pard\ql \li5802\sb0\sl-207\slmult0 \par\pard\ql \li13
19\sb67\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf6\f7\fs18
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\slmult0 \par\pard\ql\li5802\sb0\sl-207\slmult0 \par\pard\ql\li5802\sb0\sl-207\s
lmult0 \par\pard\ql\li5802\sb0\sl-207\slmult0 \par\pard\ql\li5802\sb0\sl-207\slm
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par\pard\ql\li5802\sb0\sl-207\slmult0 \par\pard\ql\li5802\sb0\sl-207\slmult0 \pa
r\pard\ql\li5802\sb0\sl-207\slmult0 \par\pard\ql\li5802\sb0\sl-207\slmult0 \par\

pard\ql\li5802\sb0\sl-207\slmult0 \par\pard\ql\li5802\sb0\sl-207\slmult0 \par\pa

rd\ql\li5802\sb0\sl-207\slmult0 \par\pard\ql\li5802\sb0\sl-207\slmult0 \par\pard
\ql\li5802\sb0\sl-207\slmult0 \par\pard\ql\li5802\sb0\sl-207\slmult0 \par\pard\q
l\li5802\sb0\sl-207\slmult0 \par\pard\ql\li5802\sb0\sl-207\slmult0 \par\pard\ql\
li5802\sb0\sl-207\slmult0 \par\pard\ql\li5802\sb0\sl-207\slmult0 \par\pard\ql\li
5802\sb0\sl-207\slmult0 \par\pard\ql\li5802\sb0\sl-207\slmult0 \par\pard\ql\li58
02\sb0\sl-207\slmult0 \par\pard\ql\li5802\sb0\sl-207\slmult0 \par\pard\ql\li5802
\sb0\sl-207\slmult0 \par\pard\ql\li5802\sb0\sl-207\slmult0 \par\pard\ql\li5802\s
b109\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf6\f7\fs18 14
3 \par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g149}{\bkmkend Pg149}\par\pard\ql \li10111\sb0\sl-207\slmult0 \par\pard\ql\li101
11\sb0\sl-207\slmult0 \par\pard\ql\li10111\sb14\sl-207\slmult0 \up0 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf1\f2\fs18 Glossary\par\pard\sect\sectd\sbknone\co
ls2\colno1\colw4343\colsr160\colno2\colw7257\colsr160\ql \li1241\sb0\sl-253\slmu
lt0 \par\pard\ql \li1241\sb117\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0
\nosupersub\cf22\f23\fs22 Term\par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\
ql \li1241\sb3\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf44
\f45\fs22 Facultative-obligatory\par\pard\ql \li1241\sb0\sl-253\slmult0 \par\par
d\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\par
d\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\par
d\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\par
d\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\par
d\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\par
d\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb42\sl-253\slmult0 \up0 \e
xpndtw-3\charscalex100 Flash flood\par\pard\ql \li1241\sb0\sl-253\slmult0 \par\p
ard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\p
ard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb25\sl-253\slmult0 \up0
\expndtw-3\charscalex100 Flood\par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\
ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\
ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\
ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\
ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb53\sl-253\slmult0 \up0 \exp
ndtw-3\charscalex100 Flood risk management\par\pard\ql \li1241\sb0\sl-253\slmult
0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult
0 \par\pard\ql \li1241\sb18\sl-253\slmult0 \up0 \expndtw-3\charscalex100 General
advice\par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\s
lmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\s
lmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\s
lmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\s
lmult0 \par\pard\ql \li1241\sb34\sl-253\slmult0 \up0 \expndtw-3\charscalex100 Ho
me\par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult
0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb18\sl-253\slmul
t0 \up0 \expndtw-3\charscalex100 Home unit\par\pard\column \ql \li4503\sb0\sl-25
3\slmult0 \par\pard\ql \li20\sb117\sl-253\slmult0 \up0 \expndtw-3\charscalex100
\ul0\nosupersub\cf22\f23\fs22 Definition\par\pard\qj \li20\ri910\sb130\sl-260\sl
mult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf4\f5\fs22 Facultative-oblig
atory reinsurance is an arrangement where the \up0 \expndtw-1\charscalex10
0 ceding insurer can elect to assign certain risks to the reinsurer, which \up0
\expndtw-3\charscalex100 is then required to accept them.\par\pard\qj \li20\ri91
0\sb240\sl-259\slmult0 \up0 \expndtw-2\charscalex100 By way of contrast, faculta
tive reinsurance imposes no obligations on \line \up0 \expndtw-1\charscalex100 e
ither party. The ceding insurer can seek to assign certain risks to the \line \u
p0 \expndtw-1\charscalex100 reinsurer, but the reinsurer is free to decide wheth
er or not to accept \line \up0 \expndtw-3\charscalex100 them.\par\pard\qj \li20\
ri907\sb240\sl-260\slmult0 \up0 \expndtw0\charscalex103 On the other hand, oblig
atory reinsurance imposes obligations on \up0 \expndtw0\charscalex102 both parti
es. The ceding insurer is obliged to assign certain risks to \up0 \expndtw-3\cha
rscalex100 the reinsurer, which is then required to accept them.\par\pard\qj \li
20\ri909\sb251\sl-260\slmult0 \up0 \expndtw0\charscalex109 The rapid inundation
of normally dry and low lying land due to \up0 \expndtw0\charscalex100 intense s

torms. Often involves the failure of local drainage systems, \up0 \expndtw-3\cha
rscalex100 either natural or man-made, to the extent that the volume of water is
\up0 \expndtw-3\charscalex100 more than they can accommodate.\par\pard\qj \li20
\ri907\sb249\sl-259\slmult0 \up0 \expndtw0\charscalex111 In the context of this
Report, flood is used in the same way as \up0 \expndtw-2\charscalex100 generally
used by insurance companies and sometimes referred to as \up0 \expndtw0\charsca
lex100 riverine flooding. It refers to flooding that typically occurs as a resul
t \up0 \expndtw0\charscalex103 of overflow from rivers and creeks following long
duration rainfall \up0 \expndtw0\charscalex103 over large catchment areas. It c
an also be through water rising up \up0 \expndtw-2\charscalex100 from flooding r
ivers, in contrast to water coming down from rain and \up0 \expndtw0\charscalex1
03 storm. It is distinct from flash flooding or flooding caused by rising \up0 \
expndtw-3\charscalex100 coastal waters as a result of a storm event.\par\pard\qj
\li20\ri912\sb252\sl-260\slmult0 \up0 \expndtw0\charscalex101 Involves reducing
the impact of floods on people and infrastructure \line \up0 \expndtw-1\charsca
lex100 by reducing either the frequency of flooding, or its consequences, or \li
ne \up0 \expndtw-3\charscalex100 both.\par\pard\qj \li20\ri907\sb249\sl-260\slmu
lt0 \up0 \expndtw-1\charscalex100 Financial product advice (intended to influenc
e a person in making a \line \up0 \expndtw0\charscalex100 decision in relation t
o a financial product or class of products) where \line \up0 \expndtw-2\charscal
ex100 the advice is of a general nature focussing on the product rather than \li
ne \up0 \expndtw-2\charscalex100 the suitability of the product to the person\u8
217?s individual circumstances.\par\pard\qj \li20\ri911\sb0\sl-261\slmult0 \up0
\expndtw0\charscalex102 \ul0\nosupersub\cf55\f56\fs22 General advice is subje
ct to less regulatory requirements than \up0 \expndtw-3\charscalex100 perso
nal advice.\par\pard\ql \li20\sb244\sl-253\slmult0 \up0 \expndtw-3\charscalex100
\ul0\nosupersub\cf4\f5\fs22 The term is defined in section 766B of the \ul0\nos
upersub\cf19\f20\fs22 Corporations Act 2001\par\pard\qj \li20\ri910\sb254\sl-259
\slmult0 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf4\f5\fs22 Detached house
or other individual dwelling with a single property \up0 \expndtw0\charscalex10
0 title. Does not include strata title properties, company title
\up0 \expndtw-3\charscalex100 properties, mobile homes or caravans.\par\pard\qj
\li20\ri908\sb252\sl-259\slmult0 \up0 \expndtw0\charscalex101 In this Report, r
efers to dwellings under a body corporate or similar \up0 \expndtw0\charscalex10
6 arrangement that are buildings or collections of buildings where \up0 \expndtw
0\charscalex111 individuals each own a portion (a lot), but where there is also
\up0 \expndtw0\charscalex101 common property (for example, external walls,
windows, roofs, \up0 \expndtw0\charscalex109 driveways, etc.) of which ownersh
ip is shared. They can take a \up0 \expndtw0\charscalex100 number of forms, from
duplexes to gated communities to small and \up0 \expndtw0\charscalex104 large a
partment buildings. They can include mixed-use properties \up0 \expndtw0\charsca
lex104 that contain both commercial and residential units. They can also \up0 \e
xpndtw-3\charscalex100 include aged care facilities and retirement villages.\par
\pard\ql \li5802\sb0\sl-207\slmult0 \par\pard\ql \li5802\sb0\sl-207\slmult0 \par
\pard\ql \li1319\sb198\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf6\f7\fs18 144
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g150}{\bkmkend Pg150}\par\pard\ql \li10111\sb0\sl-207\slmult0 \par\pard\ql\li101
11\sb0\sl-207\slmult0 \par\pard\ql\li10111\sb14\sl-207\slmult0 \up0 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf1\f2\fs18 Glossary\par\pard\sect\sectd\sbknone\co
ls2\colno1\colw4485\colsr160\colno2\colw7115\colsr160\ql \li1241\sb0\sl-253\slmu
lt0 \par\pard\ql \li1241\sb117\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0
\nosupersub\cf22\f23\fs22 Term\par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\
ql \li1241\sb3\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf44
\f45\fs22 Hydrologist\par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li124
1\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb11\sl-253\slmult0 \up0 \expndtw-3\ch
arscalex100 Internal dispute resolution\par\pard\ql \li1241\sb0\sl-253\slmult0 \
par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \
par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \
par\pard\ql \li1241\sb33\sl-253\slmult0 \up0 \expndtw-3\charscalex100 King tide\
par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb2\sl-253\slmult0 \
up0 \expndtw-3\charscalex100 Lending institution\par\pard\ql \li1241\sb0\sl-253\
slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb12\sl-253
\slmult0 \up0 \expndtw-3\charscalex100 Loss ratio\par\pard\ql \li1241\sb0\sl-253
\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253
\slmult0 \par\pard\ql \li1241\sb18\sl-253\slmult0 \up0 \expndtw-3\charscalex100
Mitigation\par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-25
3\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-25
3\slmult0 \par\pard\ql \li1241\sb26\sl-253\slmult0 \up0 \expndtw-3\charscalex100
Mixed use property\par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\
sb0\sl-253\slmult0 \par\pard\ql \li1241\sb12\sl-253\slmult0 \up0 \expndtw-3\char
scalex100 Non-insurance\par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1
241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb9\sl-253\slmult0 \up0 \expndtw-3\c
harscalex100 Personal advice\par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql
\li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql
\li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql
\li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql
\li1241\sb28\sl-253\slmult0 \up0 \expndtw-3\charscalex100 Premium\par\pard\colu
mn \ql \li4645\sb0\sl-253\slmult0 \par\pard\ql \li20\sb117\sl-253\slmult0 \up0 \
expndtw-3\charscalex100 \ul0\nosupersub\cf22\f23\fs22 Definition\par\pard\qj \li
20\ri908\sb131\sl-259\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf4\f
5\fs22 A hydrologist studies the science of water movement, distribution \up0 \e
xpndtw-3\charscalex100 and quality.\par\pard\qj \li20\ri910\sb252\sl-259\slmult0
\up0 \expndtw-1\charscalex100 Internal dispute resolution refers to a mechanism
or process within \up0 \expndtw-2\charscalex100 a company to deal with and reso

lve complaints. All licensed general \up0 \expndtw0\charscalex103 insurers in

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lex100 resolution process that conforms with the General Insurance Code \up0 \ex
pndtw-3\charscalex100 of Practice and ASIC Regulatory Guide 165\par\pard\ql \li4
645\sb0\sl-253\slmult0 \par\pard\ql \li20\sb5\sl-253\slmult0 \up0 \expndtw-3\cha
rscalex100 A term used to describe an especially high tide.\par\pard\qj \li20\ri
910\sb249\sl-261\slmult0 \up0 \expndtw-2\charscalex100 An institution providing
home financing, principally including banks, \up0 \expndtw-3\charscalex100 credi
t unions and building societies.\par\pard\qj \li20\ri910\sb249\sl-260\slmult0 \u
p0 \expndtw0\charscalex106 A measure of an insurer\u8217?s financial performance
, calculated by \line \up0 \expndtw-3\charscalex100 dividing total claims cost o
ver the period by total premiums over the \line \up0 \expndtw-3\charscalex100 pe
riod.\par\pard\qj \li20\ri907\sb249\sl-260\slmult0 \up0 \expndtw0\charscalex101
Mitigation refers to the elimination or reduction in the frequency, \up0 \expndt
w0\charscalex101 magnitude, or severity of exposure to risks, and associated los
ses. \up0 \expndtw0\charscalex101 The action of clearing trees around a property
in a bushfire prone \up0 \expndtw-3\charscalex100 area is an example of mitigat
ion.\par\pard\qj \li20\ri912\sb252\sl-259\slmult0 \up0 \expndtw0\charscalex107 P
roperty which combines areas used for both commercial and \up0 \expndtw-3\charsc
alex100 residential purposes.\par\pard\qj \li20\ri911\sb252\sl-259\slmult0 \up0
\expndtw-1\charscalex100 Non-insurance refers to the circumstance where an indiv
idual does \up0 \expndtw-3\charscalex100 not purchase insurance cover for a cert
ain peril.\par\pard\qj \li20\ri910\sb250\sl-260\slmult0 \up0 \expndtw-1\charscal
ex100 Financial product advice (which is intended to influence a person in \line
\up0 \expndtw0\charscalex109 making a decision in relation to a financial produ
ct or class of \line \up0 \expndtw0\charscalex101 products) where the provide
r has considered, or should have \line \up0 \expndtw-2\charscalex100 consid
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\expndtw-3\charscalex100 The term is defined in section 766B of the \ul0\nosuper
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\li20\ri911\sb253\sl-260\slmult0 \up0 \expndtw-1\charscalex100 A premium is the
amount charged by an insurer to the policyholder \up0 \expndtw-3\charscalex100
enable them to cover an agreed risk. It includes the expected cost of \up0 \expn
dtw0\charscalex105 claims; administration processes and insurer profit, and usua
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of claims, taking into account the severity and \up0 \expndtw-3\charscale
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which \up0 \expndtw0\charscalex106 also includes other costs such as insur
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strative costs and profit.\par\pard\qj \li20\ri911\sb240\sl-259\slmult0 \up0 \ex
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l \li5802\sb0\sl-207\slmult0 \par\pard\ql \li5802\sb0\sl-207\slmult0 \par\pard\q
l \li5802\sb0\sl-207\slmult0 \par\pard\ql \li5802\sb0\sl-207\slmult0 \par\pard\q
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g151}{\bkmkend Pg151}\par\pard\ql \li10111\sb0\sl-207\slmult0 \par\pard\ql\li101
11\sb0\sl-207\slmult0 \par\pard\ql\li10111\sb14\sl-207\slmult0 \up0 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf1\f2\fs18 Glossary\par\pard\sect\sectd\sbknone\co
ls2\colno1\colw4485\colsr160\colno2\colw7115\colsr160\ql \li1241\sb0\sl-253\slmu
lt0 \par\pard\ql \li1241\sb117\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0
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ql \li1241\sb3\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf44
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l \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\q
l \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\q
l \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\q
l \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\q
l \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\q
l \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\q
l \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\q
l \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\q
l \li1241\sb57\sl-253\slmult0 \up0 \expndtw-3\charscalex100 Reinsurance\par\pard
\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard
\ql \li1241\sb11\sl-253\slmult0 \up0 \expndtw-3\charscalex100 Replacement value
cover\par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slm
ult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slm
ult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb33\sl-253\sl
mult0 \up0 \expndtw-3\charscalex100 Resilience\par\pard\ql \li1241\sb0\sl-253\sl
mult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\sl
mult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb24\sl-253\s
lmult0 \up0 \expndtw-3\charscalex100 Scaled advice\par\pard\ql \li1241\sb0\sl-25
3\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-25
3\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-25
3\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb39\sl-2
53\slmult0 \up0 \expndtw-3\charscalex100 Standard cover\par\pard\ql \li1241\sb0\
sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\
sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb26
\sl-253\slmult0 \up0 \expndtw-3\charscalex100 Strata title property\par\pard\ql
\li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql
\li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql
\li1241\sb24\sl-253\slmult0 \up0 \expndtw-3\charscalex100 Sub-limit\par\pard\col
umn \ql \li20\sb250\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub
\cf22\f23\fs22 Definition\par\pard\qj \li20\ri911\sb251\sl-259\slmult0 \up0 \exp
ndtw0\charscalex105 \ul0\nosupersub\cf4\f5\fs22 A premium discount amount appl
ied to an actuarially derived \up0 \expndtw-2\charscalex100 competitively price
d premium to lower the cost to a policyholder. It \up0 \expndtw0\charscalex108 i
s the difference between a full cover premium and the actual \up0 \expndtw0\char
scalex101 premium payable by a policyholder. It can also be referred to as a \up
0 \expndtw-3\charscalex100 price break or flood discount.\par\pard\qj \li20\ri90
8\sb243\sl-259\slmult0 \up0 \expndtw0\charscalex103 Full cover premium is an act
uarially derived competitively priced \up0 \expndtw0\charscalex108 amount charge

d by an insurer to provide cover for the events \up0 \expndtw-3\charscalex100 de

fined in an insurance policy, including flood cover.\par\pard\qj \li20\ri907\sb2
43\sl-260\slmult0 \up0 \expndtw0\charscalex102 Non flood premium is the amount c
harged by an insurer to cover \up0 \expndtw0\charscalex107 the risks defined in
an insurance policy, other than flood risks. \up0 \expndtw-1\charscalex100 Typic
ally, this would include non-weather risks, such as burglary, as \up0 \expndtw-3
\charscalex100 well as weather risks, such as bushfire and earthquake.\par\pard\
qj \li20\ri911\sb241\sl-259\slmult0 \up0 \expndtw0\charscalex103 Full flood prem
ium is an actuarially derived competitively priced \up0 \expndtw-3\charscalex100
amount required to fully fund the costs of flood.\par\pard\qj \li20\ri911\sb252
\sl-259\slmult0 \up0 \expndtw-2\charscalex100 Reinsurance is insurance purchased
by insurers and is used as a way \up0 \expndtw-3\charscalex100 to transfer risk
from the insurer to the reinsurer.\par\pard\qj \li20\ri908\sb252\sl-259\slmult0
\up0 \expndtw0\charscalex103 Replacement value cover provides for the full rein
statement of a \up0 \expndtw0\charscalex109 damaged home to its original size an
d standard regardless of \up0 \expndtw0\charscalex107 depreciation or age and in
accordance with prevailing building \up0 \expndtw-2\charscalex100 standards. Re
placement value cover usually includes the removal of \up0 \expndtw-3\charscalex
100 debris and re-building fees in the event of a total loss claim.\par\pard\qj
\li20\ri910\sb253\sl-260\slmult0 \up0 \expndtw0\charscalex100 In the context of
the Issues Paper, resilience refers to the ability to \line \up0 \expndtw0\chars
calex102 withstand a natural disaster. Resilience to natural disasters i
s \line \up0 \expndtw0\charscalex103 improved through the use of mitigation
works, measures and \line \up0 \expndtw-3\charscalex100 related activities tha
t contribute to safer, sustainable communities.\par\pard\qj \li20\ri907\sb249\sl
-260\slmult0 \up0 \expndtw-1\charscalex100 A form of personal advice which does
not require financial advisors \line \up0 \expndtw0\charscalex107 to consider al
l of a person\u8217?s circumstances in providing advice. \line \up0 \expndtw-1\c
harscalex100 Rather, it allows financial advisors to consider a subset of a pers
on\u8217?s \line \up0 \expndtw0\charscalex102 personal circumstances in providin
g advice on a specific product, \line \up0 \expndtw-1\charscalex100 such as insu
rance. It is subject to less regulatory requirements than \line \up0 \expndtw-3\
charscalex100 personal advice.\par\pard\qj \li20\ri909\sb249\sl-260\slmult0 \up0
\expndtw0\charscalex100 A list of events prescribed under the \ul0\nosupersub\c
f19\f20\fs22 Insurance Contracts Act 1984, \line \up0 \expndtw0\charscalex100 \u
l0\nosupersub\cf4\f5\fs22 which in prescribed contracts must either be covered,
or excluded \line \up0 \expndtw0\charscalex108 with the consumer clearly informe
d of the exclusion(s) by the \line \up0 \expndtw-3\charscalex100 insurer.\par\pa
rd\qj \li20\ri908\sb251\sl-260\slmult0 \up0 \expndtw0\charscalex105 A building o
r collection of buildings, in which individuals and/or \up0 \expndtw0\charscalex
100 businesses each own a small portion (a lot) but where there is also \up0 \ex
pndtw0\charscalex106 common property (for example, external walls, windows, roof
, \up0 \expndtw-3\charscalex100 driveways etc) in which ownership is shared.\par
\pard\qj \li20\ri909\sb250\sl-259\slmult0 \up0 \expndtw-2\charscalex100 A sub-li
mit in an insurance policy refers to the maximum amount of \line \up0 \expndtw0\
charscalex102 cover applied to a particular section of the policy. For example,
a \line \up0 \expndtw-1\charscalex100 $10,000 sub-limit for flood would mean tha
t the maximum amount \line \up0 \expndtw-3\charscalex100 payable in the event of
a claim for flood damage would be $10,000.\par\pard\ql \li5802\sb0\sl-207\slmul
t0 \par\pard\ql \li5802\sb0\sl-207\slmult0 \par\pard\ql \li5802\sb0\sl-207\slmul
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}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g152}{\bkmkend Pg152}\par\pard\ql \li10111\sb0\sl-207\slmult0 \par\pard\ql\li101
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ql \li1241\sb3\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf44
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1\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li124
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i1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb11\sl-253\slmult0 \up0 \expndtw3\charscalex100 Under-insurance\par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard
\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb0\sl-253\slmult0 \par\pard
\ql \li1241\sb19\sl-253\slmult0 \up0 \expndtw-3\charscalex100 Underwriting\par\p
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ard\ql \li1241\sb0\sl-253\slmult0 \par\pard\ql \li1241\sb20\sl-253\slmult0 \up0
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l-253\slmult0 \par\pard\ql \li20\sb117\sl-253\slmult0 \up0 \expndtw-3\charscalex
100 \ul0\nosupersub\cf22\f23\fs22 Definition\par\pard\qj \li20\ri912\sb130\sl-26
0\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf4\f5\fs22 A sum insured
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00 that is provided by an insurance policy. It is the maximum amount \up0 \expnd
tw-3\charscalex100 payable on each claim under the policy.\par\pard\qj \li20\ri9
08\sb248\sl-260\slmult0 \up0 \expndtw0\charscalex104 Top-up cover provides addit
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pard\qj \li20\ri911\sb250\sl-260\slmult0 \up0 \expndtw0\charscalex106 Underwriti
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\expndtw0\charscalex104 Laws that protect consumers and investors against unfair
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conduct. The laws apply to 'standard form \up0 \expndtw0\charscalex100 consumer
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credit \up0 \expndtw0\charscalex106 cards and client or broker agreements for e
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d\ql\li6313\sb8\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4
5\f46\fs18 Economic losses, 28\par\pard\sect\sectd\sbknone\cols2\colno1\colw5642
\colsr160\colno2\colw5958\colsr160\ql \li3283\sb23\sl-240\slmult0 \up0 \expndtw3\charscalex100 \ul0\nosupersub\cf56\f57\fs26 A\par\pard\ql \li1133\sb169\sl-207
\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf45\f46\fs18 ACCC, 12\pa
r\pard\ql \li1133\sb52\sl-207\slmult0 \up0 \expndtw-2\charscalex100 Actions of t
he sea, 73\par\pard\ql \li1354\ri2785\sb10\sl-260\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf27\f28\fs18 Storm surge, 74 \line \up0 \expndtw-2\char
scalex100 Tidal inundation, 75 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4
5\f46\fs18 Tsunami\ul0\nosupersub\cf27\f28\fs18 , 74\par\pard\qj \li1133\ri602\s
b0\sl-261\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf45\f46\fs18 Ad
ministrative costs of the new central agency, 70 \up0 \expndtw-2\charscalex100 A
ffordability, 28, 29, 30, 34, 85\par\pard\qj \li1133\ri2217\sb0\sl-260\slmult0 \
up0 \expndtw-2\charscalex100 Affordability of insurance, 80 \up0 \expndtw-2\char
scalex100 Affordability Threshold, 36 \up0 \expndtw-2\charscalex100 AFTS Review,
85\par\pard\qj \li1133\ri703\sb0\sl-259\slmult0 \up0 \expndtw-2\charscalex100 A
ustralia\u8217?s Future Tax System Review (AFTS), 84 \up0 \expndtw-2\charscalex1
00 Australian Bankers\u8217? Association (ABA), 83\par\pard\ql \li1133\sb45\sl-2
07\slmult0 \up0 \expndtw-2\charscalex100 Automatic Flood Cover, 28, 31\par\pard\
qj \li1133\ri1123\sb10\sl-259\slmult0 \up0 \expndtw-2\charscalex100 Automatic Fl
ood Cover with Opt-out, 28, 30 \up0 \expndtw-2\charscalex100 Availability, 28, 2
9, 30\par\pard\ql \li3288\sb210\sl-299\slmult0 \up0 \expndtw-3\charscalex100 \ul
0\nosupersub\cf56\f57\fs26 B\par\pard\ql \li1133\sb156\sl-207\slmult0 \up0 \expn

dtw-2\charscalex100 \ul0\nosupersub\cf45\f46\fs18 Board, 70\par\pard\ql \li1133\

sb52\sl-207\slmult0 \up0 \expndtw-2\charscalex100 brand damage, 31\par\pard\qj \
li1133\ri1781\sb13\sl-259\slmult0 \up0 \expndtw-2\charscalex100 Brotherhood of S
t Laurence, 77, 80 \up0 \expndtw-2\charscalex100 Building standards, 61\par\pard
\ql \li3293\sb207\sl-299\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\c
f56\f57\fs26 C\par\pard\qj \li1133\ri2273\sb117\sl-259\slmult0 \up0 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf45\f46\fs18 Canberra bushfires 2003, 87 \up0 \exp
ndtw-2\charscalex100 Centrelink, 23, 81, 86\par\pard\qj \li1133\ri2840\sb0\sl-26
1\slmult0 \up0 \expndtw-2\charscalex100 Centrepay, 23, 81, 86 \up0 \expndtw-2\ch
arscalex100 Charities, 77, 82\par\pard\ql \li1354\sb44\sl-207\slmult0 \up0 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 Charitable, 79\par\pard\qj \li
1133\ri3015\sb8\sl-261\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf4
5\f46\fs18 Climate change, 75 \up0 \expndtw-2\charscalex100 COAG, 38\par\pard\ql
\li1133\sb44\sl-207\slmult0 \up0 \expndtw-2\charscalex100 Community recovery, 2
8\par\pard\qj \li1133\ri1581\sb8\sl-261\slmult0 \up0 \expndtw-2\charscalex100 Co
mpetitive insurance market, 29, 32 \up0 \expndtw-2\charscalex100 Compulsory home
insurance, 29\par\pard\qj \li1133\ri2453\sb0\sl-259\slmult0 \up0 \expndtw-2\cha
rscalex100 Compulsory insurance, 85 \up0 \expndtw-2\charscalex100 Contents, 82\p
ar\pard\ql \li1354\sb45\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf27\f28\fs18 Contents insurance, 80\par\pard\ql \li1133\sb53\sl-207\slmult
0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf45\f46\fs18 Contents insurance
, 77, 85\par\pard\qj \li1133\ri986\sb8\sl-261\slmult0 \up0 \expndtw-2\charscalex
100 Council of Australian Governments (COAG), 9 \up0 \expndtw-2\charscalex100 Cy
clone, 72\par\pard\ql \li3281\sb207\sl-299\slmult0 \up0 \expndtw-3\charscalex100
\ul0\nosupersub\cf56\f57\fs26 D\par\pard\qj \li1133\ri3149\sb112\sl-261\slmult0
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf45\f46\fs18 Discounts, 36, 38 \
line \up0 \expndtw-2\charscalex100 Disputations, 31\par\pard\ql \li3297\sb207\sl
-299\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf56\f57\fs26 E\par\p
ard\ql \li1133\sb156\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf45\f46\fs18 Earthquake, 75\par\pard\column \qj \li531\ri3767\sb29\sl-259\slm
ult0 \up0 \expndtw-2\charscalex100 Eligibility criteria, 40 \up0 \expndtw-2\char
scalex100 Excess, 33\par\pard\ql \li2701\sb208\sl-299\slmult0 \up0 \expndtw-3\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs26 F\par\pard\qj \li531\ri3368\sb116\sl-2
59\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf45\f46\fs18 Financial
exclusion, 80, 85 \up0 \expndtw-2\charscalex100 Financial hardship, 28\par\pard
\ql \li531\sb44\sl-207\slmult0 \up0 \expndtw-2\charscalex100 Financial impacts,
32\par\pard\ql \li531\ri2790\sb12\sl-259\slmult0 \up0 \expndtw-2\charscalex100 F
inancial Ombudsman Service, 46 \up0 \expndtw-2\charscalex100 Financial protectio
n, 28, 31, 35 \up0 \expndtw-2\charscalex100 Fire Services Levy, 84\par\pard\qj \
li531\ri3381\sb3\sl-259\slmult0 \up0 \expndtw-2\charscalex100 Flood cover, 29, 3
0, 31, 36 \up0 \expndtw-2\charscalex100 Flood damage, 32\par\pard\ql \li531\ri30
35\sb0\sl-260\slmult0 \up0 \expndtw-2\charscalex100 Flood exclusions, 33 \line \
up0 \expndtw-2\charscalex100 Flood insurance, 29, 30, 37 \up0 \expndtw-2\charsca
lex100 Flood mitigation initiatives, 61 \up0 \expndtw-2\charscalex100 Flood prem
ium, 38\par\pard\ql \li531\ri3020\sb3\sl-259\slmult0 \up0 \expndtw-2\charscalex1
00 Flood risk management, 29, 32 \up0 \expndtw-2\charscalex100 Flood risk measur
ement, 29 \up0 \expndtw-2\charscalex100 Flood sub-limits, 33\par\pard\qj \li531\
ri3880\sb3\sl-259\slmult0 \up0 \expndtw-2\charscalex100 Flood-prone, 29, 30 \up0
\expndtw-2\charscalex100 Food claims, 33\par\pard\ql \li531\sb43\sl-207\slmult0
\up0 \expndtw-2\charscalex100 Full cover, 32\par\pard\ql \li531\sb55\sl-207\slm
ult0 \up0 \expndtw-2\charscalex100 Funding the flood risk reinsurance pool, 61\p
ar\pard\ql \li2680\sb216\sl-299\slmult0 \up0 \expndtw-4\charscalex100 \ul0\nosup
ersub\cf56\f57\fs26 H\par\pard\qj \li531\ri3664\sb113\sl-261\slmult0 \up0 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf45\f46\fs18 Hgh flood excesses, 33 \line \u
p0 \expndtw-2\charscalex100 High flood risk, 29, 32\par\pard\qj \li531\ri3124\sb
1\sl-259\slmult0 \up0 \expndtw-2\charscalex100 High insurance premiums, 34 \line
\up0 \expndtw-2\charscalex100 Home\par\pard\ql \li752\sb45\sl-207\slmult0 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 Home insurance, 80\par\pa
rd\qj \li531\ri2479\sb11\sl-259\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf45\f46\fs18 Home insurance, 28, 29, 31, 32, 45, 85 \up0 \expndtw-2\chars

calex100 Homeowners, 29, 30, 35\par\pard\ql \li531\sb45\sl-207\slmult0 \up0 \exp

ndtw-2\charscalex100 Hydrological assessments, 31\par\pard\ql \li2725\sb217\sl-2
99\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf56\f57\fs26 I\par\par
d\ql \li531\sb156\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\c
f45\f46\fs18 IAG, 30\par\pard\qj \li531\ri2837\sb12\sl-259\slmult0 \up0 \expndtw
-2\charscalex100 Insurance Contracts Act 1984, 11 \up0 \expndtw-2\charscalex100
Insurance Council, 30\par\pard\qj \li531\ri2504\sb0\sl-261\slmult0 \up0 \expndtw
-2\charscalex100 Insurance Council of New Zealand, 77 \up0 \expndtw-2\charscalex
100 Insurance cover, 32\par\pard\qj \li531\ri3716\sb0\sl-259\slmult0 \up0 \expnd
tw-2\charscalex100 Insurance policies, 34 \line \up0 \expndtw-2\charscalex100 In
surance policy, 29\par\pard\ql \li531\ri2861\sb2\sl-259\slmult0 \up0 \expndtw-2\
charscalex100 Insurance premiums, 29, 36 \line \up0 \expndtw-2\charscalex100 Ins
urer financial integrity, 29, 34\par\pard\ql \li2706\sb207\sl-299\slmult0 \up0 \
expndtw-3\charscalex100 \ul0\nosupersub\cf56\f57\fs26 L\par\pard\qj \li531\ri401
0\sb117\sl-259\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf45\f46\fs
18 Land planning, 61 \up0 \expndtw-2\charscalex100 Landslide, 75\par\pard\ql \li
5802\sb0\sl-207\slmult0 \par\pard\ql \li20\sb91\sl-207\slmult0 \up0 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf6\f7\fs18 149 \par\pard\sect\sectd\fs24\paperw119
00\paperh16820\pard\sb0\sl-240{\bkmkstart Pg155}{\bkmkend Pg155}\par\pard\ql \li
10339\sb0\sl-207\slmult0 \par\pard\ql\li10339\sb0\sl-207\slmult0 \par\pard\ql\li
10339\sb14\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\f
s18 Index\par\pard\sect\sectd\sbknone\cols2\colno1\colw5642\colsr160\colno2\colw
5958\colsr160\ql \li1133\sb0\sl-207\slmult0 \par\pard\ql \li1133\sb54\sl-207\slm
ult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf45\f46\fs18 Lenders\par\par
d\ql \li1354\sb52\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\c
f27\f28\fs18 Lending institutions, 83\par\pard\ql \li1133\sb53\sl-207\slmult0 \u
p0 \expndtw-2\charscalex100 \ul0\nosupersub\cf45\f46\fs18 Levy\par\pard\ql \li13
54\sb55\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs
18 Fire Services Levy, 85\par\pard\ql \li1133\sb52\sl-207\slmult0 \up0 \expndtw2\charscalex100 \ul0\nosupersub\cf45\f46\fs18 Local council, 33\par\pard\ql \li3
247\sb216\sl-299\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf56\f57\
fs26 M\par\pard\ql \li1133\sb159\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \u
l0\nosupersub\cf45\f46\fs18 Mitigation, 37, 78\par\pard\ql \li3276\sb216\sl-299\
slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf56\f57\fs26 N\par\pard\q
j \li1133\ri1063\sb113\sl-260\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf45\f46\fs18 National Disaster Resilience Statement, 38 \up0 \expndtw-2\cha
rscalex100 National Flood Information Database, 12, 69 \up0 \expndtw-2\charscale
x100 National Strategy for Disaster Resilience, 9 \up0 \expndtw-2\charscalex100
Natural disaster, 31\par\pard\ql \li1133\sb46\sl-207\slmult0 \up0 \expndtw-2\cha
rscalex100 NDRRA, 79\par\pard\ql \li1133\sb52\sl-207\slmult0 \up0 \expndtw-2\cha
rscalex100 Non-insurance, 35, 81, 83, 84, 85\par\pard\ql \li1354\sb53\sl-207\slm
ult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 Data, 77\par\pa
rd\ql \li3273\sb218\sl-299\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub
\cf56\f57\fs26 O\par\pard\qj \li1133\ri3590\sb114\sl-259\slmult0 \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf45\f46\fs18 Opt-out, 30 \line \up0 \expndtw-2\c
harscalex100 Opt-in, 30\par\pard\ql \li3293\sb209\sl-299\slmult0 \up0 \expndtw-3
\charscalex100 \ul0\nosupersub\cf56\f57\fs26 P\par\pard\ql \li1133\ri2789\sb113\
sl-260\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf45\f46\fs18 Parti
al cover, 32 \line \up0 \expndtw-2\charscalex100 Personal recovery, 28 \up0 \exp
ndtw-2\charscalex100 Policyholders, 30\par\pard\ql \li3273\sb207\sl-299\slmult0
\up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf56\f57\fs26 Q\par\pard\ql \li113
3\sb157\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf45\f46\fs
18 Queensland Premier\u8217?s Disaster Relief Fund, 79\par\pard\ql \li3288\sb219
\sl-299\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf56\f57\fs26 R\pa
r\pard\qj \li1133\ri307\sb114\sl-259\slmult0 \up0 \expndtw-2\charscalex100 \ul0\
nosupersub\cf45\f46\fs18 Reforming Flood Insurance \u8212? Clearing the Waters,
81 \up0 \expndtw-2\charscalex100 Reinsurance pool\par\pard\ql \li1354\sb46\sl-20
7\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 Funding of
, 61\par\pard\ql \li1133\sb52\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\
nosupersub\cf45\f46\fs18 Replacement value, 32\par\pard\qj \li1133\ri608\sb8\sl-

261\slmult0 \up0 \expndtw-2\charscalex100 Replacement value cover and cash settl

ements, 90 \up0 \expndtw-2\charscalex100 Reputational damage, 31\par\pard\ql \li
1133\sb43\sl-207\slmult0 \up0 \expndtw-2\charscalex100 Risk management, 29\par\p
ard\ql \li1133\sb52\sl-207\slmult0 \up0 \expndtw-2\charscalex100 Role of lending
institutions, 82\par\pard\ql \li3300\sb219\sl-299\slmult0 \up0 \expndtw-3\chars
calex100 \ul0\nosupersub\cf56\f57\fs26 S\par\pard\ql \li1133\sb156\sl-207\slmult
0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf45\f46\fs18 Social losses, 28\
par\pard\qj \li1133\ri4\sb7\sl-262\slmult0\tx1354 \up0 \expndtw-2\charscalex100
Stamp Duty Imposed by State and Territory Governments, \line\tab \up0 \expndtw-2
\charscalex100 84\par\pard\qj \li1133\ri2112\sb1\sl-259\slmult0 \up0 \expndtw-2\
charscalex100 State governments of taxes, 85 \up0 \expndtw-2\charscalex100 State
insurance taxes, 84\par\pard\qj \li1133\ri1867\sb2\sl-259\slmult0 \up0 \expndtw
-2\charscalex100 Status Quo or Opt In / Opt-out, 28 \up0 \expndtw-2\charscalex10
0 Status Quo or Opt in/Opt-out, 30 \up0 \expndtw-2\charscalex100 Sub-limit, 32,
33\par\pard\qj \li1133\ri3216\sb2\sl-259\slmult0 \up0 \expndtw-2\charscalex100 S
ubmissions, 32 \line \up0 \expndtw-2\charscalex100 Sum insured, 32\par\pard\colu
mn \ql \li2696\sb185\sl-299\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersu
b\cf56\f57\fs26 T\par\pard\ql \li531\sb156\sl-207\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf45\f46\fs18 Take-up, 30\par\pard\ql \li531\sb53\sl-207
\slmult0 \up0 \expndtw-2\charscalex100 Tidal inundation\par\pard\ql \li752\sb55\
sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f28\fs18 King
tides, 75\par\pard\ql \li752\sb52\sl-207\slmult0 \up0 \expndtw-2\charscalex100 R
ising sea levels, 75\par\pard\ql \li2675\sb216\sl-299\slmult0 \up0 \expndtw-3\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs26 U\par\pard\qj \li531\ri3327\sb117\sl-2
59\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf45\f46\fs18 Unapprove
d structures, 33 \up0 \expndtw-2\charscalex100 Under-insurance, 83, 84\par\pard\
qj \li531\ri3076\sb0\sl-261\slmult0 \up0 \expndtw-2\charscalex100 Under-insuranc
e of homes, 87 \up0 \expndtw-2\charscalex100 Underwriting, 29\par\pard\qj \li752
\ri3550\sb0\sl-259\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf27\f2
8\fs18 Commercial prices, 29 \up0 \expndtw-2\charscalex100 Pricing, 29\par\pard\
ql \li531\sb45\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf45
\f46\fs18 Uninsured flood risk, 30\par\pard\ql \li2684\sb216\sl-299\slmult0 \up0
\expndtw-3\charscalex100 \ul0\nosupersub\cf56\f57\fs26 V\par\pard\qj \li531\ri3
136\sb113\sl-261\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf45\f46\
fs18 Victorian Bushfire Appeal, 79 \line \up0 \expndtw-2\charscalex100 Victorian
bushfires 2009, 87\par\pard\ql \li531\sb43\sl-207\slmult0 \up0 \expndtw-2\chars
calex100 Victorian Bushfires Royal Commission, 84\par\pard\ql \li2643\sb217\sl-2
99\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf56\f57\fs26 W\par\par
d\ql \li531\sb158\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\c
f45\f46\fs18 Water damage, 30, 32\par\pard\ql \li5802\sb0\sl-207\slmult0 \par\pa
rd\ql \li5802\sb0\sl-207\slmult0 \par\pard\ql \li5802\sb0\sl-207\slmult0 \par\pa
rd\ql \li5802\sb0\sl-207\slmult0 \par\pard\ql \li5802\sb0\sl-207\slmult0 \par\pa
rd\ql \li5802\sb0\sl-207\slmult0 \par\pard\ql \li5802\sb0\sl-207\slmult0 \par\pa
rd\ql \li5802\sb0\sl-207\slmult0 \par\pard\ql \li5802\sb0\sl-207\slmult0 \par\pa
rd\ql \li5802\sb0\sl-207\slmult0 \par\pard\ql \li5802\sb0\sl-207\slmult0 \par\pa
rd\ql \li5802\sb0\sl-207\slmult0 \par\pard\ql \li5802\sb0\sl-207\slmult0 \par\pa
rd\ql \li5802\sb0\sl-207\slmult0 \par\pard\ql \li5802\sb0\sl-207\slmult0 \par\pa
rd\ql \li5802\sb0\sl-207\slmult0 \par\pard\ql \li5802\sb0\sl-207\slmult0 \par\pa
rd\ql \li5802\sb0\sl-207\slmult0 \par\pard\ql \li5802\sb0\sl-207\slmult0 \par\pa
rd\ql \li5802\sb0\sl-207\slmult0 \par\pard\ql \li5802\sb0\sl-207\slmult0 \par\pa
rd\ql \li5802\sb0\sl-207\slmult0 \par\pard\ql \li5802\sb0\sl-207\slmult0 \par\pa
rd\ql \li5802\sb0\sl-207\slmult0 \par\pard\ql \li5802\sb0\sl-207\slmult0 \par\pa
rd\ql \li5802\sb0\sl-207\slmult0 \par\pard\ql \li5802\sb0\sl-207\slmult0 \par\pa
rd\ql \li5802\sb0\sl-207\slmult0 \par\pard\ql \li5802\sb0\sl-207\slmult0 \par\pa
rd\ql \li5802\sb0\sl-207\slmult0 \par\pard\ql \li5802\sb0\sl-207\slmult0 \par\pa
rd\ql \li5802\sb0\sl-207\slmult0 \par\pard\ql \li5802\sb0\sl-207\slmult0 \par\pa
rd\ql \li5802\sb0\sl-207\slmult0 \par\pard\ql \li5802\sb0\sl-207\slmult0 \par\pa
rd\ql \li5802\sb0\sl-207\slmult0 \par\pard\ql \li5802\sb0\sl-207\slmult0 \par\pa
rd\ql \li5802\sb0\sl-207\slmult0 \par\pard\ql \li5802\sb0\sl-207\slmult0 \par\pa
rd\ql \li5802\sb0\sl-207\slmult0 \par\pard\ql \li5802\sb0\sl-207\slmult0 \par\pa

rd\ql \li20\sb190\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\c

f6\f7\fs18 150 \par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240
{\bkmkstart Pg156}{\bkmkend Pg156}\par\pard\sect\sectd\fs24}