Cyclone and storm damage
Sheds, packing facilities and homesteads against wind and storm, with terms varying by latitude.
Queensland Farm Insurance
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Queensland Farm Insurance
Farm cover for Queensland cane, grazing, cotton and horticulture country.
Queensland farm risk is dominated by weather that arrives all at once. Cyclones on the coast, flooding through the Lockyer, Fitzroy and Burdekin catchments, and long droughts inland all shape what insurers will write and on what terms. North of about Bundaberg, cyclone and flood exposure is the first question an underwriter asks, not the last one.
What is it?
Queensland agriculture runs sugar cane from Mossman down to Bundaberg, beef across the Channel Country, the Central Highlands and the Gulf, cotton and grain on the Darling Downs and around St George and Emerald, horticulture at Bowen, Bundaberg, the Lockyer Valley and the Atherton Tablelands, plus macadamias, avocados and tropical fruit along the coastal strip.
What does queensland farm insurance cover?
Flood
Flood is assessed by catchment and elevation and is not automatically included in every wording.
Livestock, crop and plant
Stock, standing crop, harvesters and irrigation infrastructure across the enterprise.
What affects the cost?
- Distance from the coast and cyclone zone
- Catchment flood history
- Building construction and wind rating
- Enterprise type and seasonality
- Drought and fire exposure inland
Worth raising on the call
- Cyclone terms and excesses change materially in the north, so compare excesses and not just premiums.
- Flood is the most common reason a coastal north Queensland farm quote comes back restricted.
- Sheds built to current wind ratings can change what an insurer is prepared to write.
Claims we are commonly asked about
Cyclone lifts a packing shed roof
A cyclone crosses near the coast and takes the roof off a packing shed, letting rain into graders, conveyors and packed fruit. The building, the plant and the produce are commonly assessed separately, and a named cyclone excess can apply across all of them.
Flood through irrigated cropping ground
Floodwater runs across a Lockyer Valley block and takes out pumps, mainline and a shed full of irrigation gear. Whether anything responds usually turns on whether flood was included for that address when the policy was placed.
Storm-started fire on the Downs
A storm brings a power line down onto stubble and the fire runs across a paddock and through several kilometres of fencing. Standing crop, stubble and fencing generally sit in different sections with different limits and different bases of settlement.
Worth confirming in the wording
- Worth confirming whether a separate named cyclone or windstorm excess applies north of a stated line, and whether it is calculated as a percentage of the sum insured rather than a flat amount.
- Worth confirming how storm surge and actions of the sea are treated, since coastal inundation is often worded differently to riverine flood.
- Worth confirming whether the policy pays the additional cost of rebuilding sheds to current wind-rating and building code requirements, which can be materially more than the original build.
Common questions
Is cyclone damage covered in North Queensland?
Cyclone and storm cover is generally available, but terms tighten with proximity to the coast and latitude, and a separate cyclone excess is common in the north. Building construction and wind rating often decide whether an insurer will write the risk at all, so it is worth comparing excesses and conditions rather than premium alone.
Why did my Queensland farm quote come back restricted?
Flood is the most common reason, particularly for coastal and catchment-exposed properties, followed by shed construction that does not meet current wind ratings. Restrictions are usually address-specific rather than a blanket position, so it is worth working through the underwriting questions carefully before accepting the terms offered.
Does Queensland farm insurance cover drought?
Generally not. Farm policies respond to defined events such as fire, storm and, where taken, hail, rather than to seasonal conditions. Drought exposure is usually managed through farm management deposits, water security and agronomic decisions rather than through a general insurance policy.
What does Queensland farm insurance cost?
It depends on the property and cannot be quoted in advance. The main drivers are distance from the coast and the cyclone zone, catchment flood history, building construction and wind rating, the enterprise type and its seasonality, and drought and fire exposure inland.
General information only. Cover, limits and exclusions depend on the PDS, TMD, eligibility, underwriting and the policy terms. See farm insurance for the wider picture.
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