Cyclone Alfred Aftermath: How to Safely Inspect Your Shed, Garage, Patio, or Verandah and Prepare for an Insurance Claim

In early March 2025, Cyclone Alfred—a Category 2 tropical cyclone—made its way across southeastern Queensland, Fraser Coast, and northern New South Wales. With sustained winds of around 95 km/h (and gusts up to 130 km/h), the system unleashed heavy rain, wind damage, and localised flooding. For homeowners and property managers, the days following a cyclone can be overwhelming, especially if you own external structures such as sheds, garages, patios, or verandahs. These structures are often the first line of defense against wind and flying debris, but they can also be uniquely vulnerable to storm damage.

From ensuring personal safety to lodging successful insurance claims, there are several crucial steps to take in the aftermath of a cyclone. In this post, we will explore what you need to know about post-storm inspections, safety considerations, and best practices for preparing your insurance claim in Australia.

a) Wait for Official Clearance

If authorities are still issuing warnings or advising residents to stay indoors, it’s essential to follow their guidance. Downed power lines, floodwaters, and unstable structures can pose life-threatening hazards. Only commence your inspection once local emergency services, councils, or government agencies confirm it is safe to return to your property.

b) Check for Hazards

Before stepping foot inside your shed or garage, do a quick walk-around of your property’s perimeter—if it’s safe to do so. Look out for:

• Electrical Hazards: Exposed wires, damaged power boxes, or downed power lines nearby.
• Structural Instability: Leaning walls, roofs that appear warped, or any area that looks like it may collapse.
• Floodwater: If water levels are still high or the area is soggy and unstable, you may risk slip hazards or sinking in mud.

c) Protective Equipment

Always wear closed-toe shoes or boots, gloves, protective eyewear, and a sturdy hat or helmet if possible. Even small amounts of debris or a single exposed nail can cause injuries.

a) Shed and Garage Inspections

1. Roof Damage
• Check for Missing Roofing Sheets or Tiles: Metal sheets can loosen or fly off during cyclonic winds, while traditional tile roofs may have lost tiles.
• Inspect Gutters and Downpipes: Clogged or loose gutters can contribute to water pooling around the foundation. Remove any debris carefully.
2. Walls and Framework
• Look for Gaps: High winds can stress the walls of a shed or garage, leading to slight separations between wall sheets.
• Door Frames and Tracks: Garage doors are particularly vulnerable in high winds. Ensure the door still fits properly in its tracks and that no hardware has broken away.
3. Interior Condition
• Moisture or Water Damage: Standing water, damp spots, or mold can lead to health concerns and damage stored items
• Stored Items: If you store chemicals, fuels, or other hazardous materials, check for spills or leaks. Such issues can be a fire or environmental hazard.

b) Patios and Verandahs

1. Supporting Posts and Railings
• Assess Structural Integrity: Verandah and patio posts support not only the roof above but also can carry stress from swirling winds. Look for signs of rotting (in wooden posts) or warping.
• Check Railings for Looseness: Vigorous wind gusts can weaken railings, making them unsafe to lean on or hold.
2. Roofing and Pergola Structures
• Loose or Torn Roof Panels: Whether your patio has a polycarbonate roof or a metal one, missing or damaged panels can lead to leaks and further deterioration.
• Connectors and Bolts: Inspect any hardware connecting the beams and posts for signs of rust, loosening, or bending.
3. Flooring
• Warping or Rising Board: Wooden decking may absorb water in heavy rainfall, leading to warping or expansion.
• Slippery Surfaces: Excess algae or moss buildup may occur after flood conditions. Clean these areas promptly.

c) Looking for Hidden or Less Obvious Damage

1. Foundation and Concrete Slabs
   After major rainfall and potential flooding, the ground beneath your structures can shift or settle. Look for cracks in concrete slabs, uneven surfaces, or changes in how doors close—these can indicate underlying foundation issues.
2. Electrical and Plumbing Considerations
   Floodwaters and high winds can damage wiring, compromise plumbing lines, or damage power points. If you suspect any electrical or plumbing issues, consult licensed professionals before attempting repairs.
3. Mold and Dampness
   Even after water recedes, hidden dampness can lead to mold growth behind walls or under flooring. Keep an eye (and nose) out for musty odors—early detection can prevent more severe problems down the track.

a) Take Plenty of Photos and Videos

• Photograph Every Angle: Capture wide shots showing the overall structure (e.g., a full front-on view of your shed) and close-ups of specific damage points (e.g., a missing roofing panel, cracked verandah post).
• Before and After Comparisons: If possible, compare current photos with any older images that show your property in good condition. This can help demonstrate the extent of the cyclone’s impact.

b) Create a Detailed Inventory of Damaged Items

• List All Affected Contents: Tools, equipment, or stored items in your garage or shed may have been ruined by water or debris. Don’t discard anything before documenting it—your insurer or loss adjuster might need to see the items in person.
• Record Estimated Values: For valuable items, include purchase receipts or bank statements if available. If an item is irreparable, note its estimated replacement cost.

c) Keep Records of Expenses

• Receipts for Emergency Repairs: If you need to buy tarps, hire a dehumidifier, or pay a handyman for emergency fixes, keep all invoices.
• Accommodation Costs: If your home is uninhabitable and you need to stay elsewhere, document these expenses.
• Time Spent on Claims: In some cases, your policy may allow claims preparation costs. Record the hours spent assessing damage and gather any relevant wage or consultant documentation.

a) Notify Your Insurer Promptly

Most standard home and contents insurance policies in Australia cover damage caused by cyclones, but be sure to check the specifics of your coverage. After you’ve compiled your initial evidence (photos, videos, item lists), contact your insurer to lodge a formal claim. They will guide you through the next steps, including arranging for a loss adjuster or assessor to visit your property.

b) Cooperate With Insurer-Appointed Experts

Loss adjusters, assessors, and other specialists act on behalf of the insurer to quantify damage. While their job is to determine the cost of repairs, you have the right to:

• Present Your Evidence: The more detailed your evidence, the smoother their assessment.
• Ask Questions: Request clear explanations of any findings or repairs recommended.
• Seek Independent Advice: If you have doubts about the adjuster’s conclusions, consider hiring an independent claims consultant. Many policies allow for claims preparation costs, which includes consultant fees.

c) Insurance Embargoes

During significant weather events, insurers sometimes impose temporary embargoes on new policies or policy upgrades to prevent last-minute coverage purchases. If you live in a region regularly affected by cyclones or floods, it’s wise to review your policy well before storm season arrives—don’t wait until a cyclone is imminent.

a) Certified Builders and Engineers

If your shed, garage, or verandah has sustained major structural damage—such as a partially collapsed roof or large cracks in the foundation—consult qualified professionals. Structural failure can pose serious risks, and a DIY fix might invalidate future insurance claims if not done to Australian building standards.

b) Electricians and Plumbers

Storm surges, rising floodwaters, and flying debris can wreck electrical systems or compromise plumbing lines. Never attempt to fix these issues yourself if you aren’t properly trained. Not only is it unsafe, but repairs made without licenced professionals can complicate or void insurance coverage.

c) Independent Claims Consultants

If your damage is extensive or complex, hiring an independent claims consultant can help maximize your insurance settlement. These consultants can:

• Quantify financial impact accurately.
• Prepare detailed and documented submissions.
• Streamline communication with insurers.

a) Upgrades and Repairs

Once you’ve settled your claim and begun repairs, consider taking resilience measures. For instance, installing stronger metal roof fasteners, reinforcing garage doors, or replacing older, rust-prone bolts with galvanised fittings can help protect your shed or verandah in future storms.

b) Regular Maintenance

Annual check-ups on your property can prevent minor issues from becoming disasters when a cyclone hits. Clear gutters and downpipes, tighten screws or bolts on roof sheets, and ensure no vegetation or debris piles up against your external structures.

c) Emergency Preparedness

Australia’s Insurance Council often reminds policyholders to have an emergency kit ready, secure valuables before storms, and stay informed about weather warnings. Simple steps like storing loose items (e.g., lawn furniture, large tools) inside before a storm can reduce the risk of windborne debris damaging your property.

Cyclone Alfred has once again highlighted the power of natural forces along Australia’s east coast, particularly in southeastern Queensland, Fraser Coast, and northern New South Wales. For property owners with sheds, garages, patios, or verandahs, the post-cyclone period is not just about cleaning up—it’s about ensuring your structures are safe, documenting damage thoroughly, and communicating effectively with insurers.

Remember:

1. Stay Safe: Always check official updates, and don’t enter hazardous areas until you’re sure it’s secure.
2. Inspect Carefully: Look for both obvious and hidden signs of damage.
3. Document Everything: Photos, videos, and detailed records will significantly bolster your insurance claim.
4. Communicate Promptly: Lodge your claim as soon as possible and maintain open channels with your insurer and any adjusters.
5. Strengthen for the Future: Use the rebuild process as an opportunity to make your sheds, garages, patios, and verandahs more resilient.

By following these guidelines and leaning on professional assistance where needed, you can navigate the complexities of insurance claims, expedite repairs, and ultimately restore your property to a safe and functional condition. While cyclones like Alfred can leave a trail of destruction, they can also serve as reminders to future-proof our properties and remain vigilant during Australia’s storm season.