What if my insurance won't cover the full rebuild cost?

First check what your policy includes, such as demolition, debris removal, temporary accommodation and rebuilding to current standards. Ask your insurer to explain any shortfall in writing.

If you disagree with a decision, use your insurer's complaints process, then the Australian Financial Complaints Authority (AFCA), which is free. Free help is also available from Legal Aid in your state and the National Debt Helpline (1800 007 007). Check what government grants are open for your area.