Insurance needs can vary significantly depending on your location within Australia, so working closely with your Insurance Broker is essential for tailoring coverage to your specific circumstances.

1. Contact Your Insurance Broker: Begin by reaching out to your insurance broker or agent who can provide personalised guidance based on your specific needs and location.

2. Assess Your Coverage: Review your current policy to understand the extent of your coverage. Pay attention to the types of risks covered, such as fire, flood, storm damage, and heat-related issues.

3. Update Property Details: Ensure your policy accurately reflects your property's current value. This includes any recent renovations or improvements that may have increased its value.

4. Check for Special Conditions: Review your policy for any special conditions or exclusions related to extreme weather events. Some policies may have restrictions during periods of heightened risk, so it's essential to be aware of these.

5. Consider Additional Coverage: Given the prediction of severe heatwaves, consider adding or increasing coverage for specific risks such as bushfires and heat-related damages. You may need separate policies or endorsements for these.

6. Mitigation Measures: Discuss with your broker, insurer, and builders about any preventive measures you can take to reduce your risk. This might include installing fire-resistant materials, upgrading roofing, or maintaining firebreaks.

7. Emergency Preparedness: Ensure you have a documented emergency plan in place, including important contact numbers and an inventory of your belongings. This can be crucial if you need to file a claim after a severe weather event.

Additionally, always take advantage of all government resources or initiatives related to disaster preparedness and insurance.