Floody hell, the insurance companies won't pay for contents
JUDY Sticklan was asleep when the rain started belting down in Rockhampton on January 24.
A loud bang woke her and she stepped out of her partner's caravan on Port Curtis Rd straight into flood water - and the start of a marathon battle with her insurance company.
As more than 300mm of rain fell in 24 hours across the district, she would lose all of her possessions.
Judy had her belongings, including a bed suite, TV and leather lounge, stored in large containers on her partner's property, while she was in-between moving homes.
She was onto her insurance company Allianz to lodge a $46,000 claim on her contents insurance immediately after the rain stopped.
"I called the assessor the next day after the storm, but they took four weeks to come out to the property," Judy said.
"By then snakes got into the container because of all the flooding and the assessor wouldn't go near it."
According to the report from her insurance company, she is covered for storm damage, but it also states that the damage in January was caused by a flood, not a storm.
And that the contents on her property were damaged due to flooding from the Yeppen Creek.
But Judy has been left confused, as she told The Morning Bulletin that the only reason the creek flooded, was due to ex-tropical cyclone Oswald.
Judy can't understand how the cyclone in January isn't being considered a storm.
Judy plans to keep on battling with her insurance company over the matter.
"I'm still fighting this, it's just not right."
Meanwhile an Allianz spokesman responded to Judy's insurance issue, stating that her policy "does not cover loss or damage resulting from 'riverine' flood".
"In 2012, Allianz commenced offering flood as an optional cover under its home insurance policies on payment of an additional applicable premium," the spokesman said.
"The customer purchased their policy, which is underwritten by Allianz, through NAB.
"In late 2011, NAB wrote to its insurance customers indicating that flood cover was now available as an option, however, the customer did not elect to exercise that option."
Allianz has stated that the damage to Judy's property was caused by riverine flooding, which is not covered in the policy.
The spokesman said Ms Sticklan can have the decision reviewed through Allianz or the ombudsman.