What is a BAL, and how does it change my rebuild?

A Bushfire Attack Level (BAL) measures how much ember, heat and flame your home could face in a bushfire. It ranges from BAL LOW to BAL FZ (flame zone) and is set by nearby vegetation, distance and slope.

Your BAL decides the construction standard under AS 3959, such as ember screens, glazing, cladding and roofing. Mapping and rules may have changed since your home was first built, so a rebuild may need a higher BAL than before. This can add cost, so check it with your insurer before you settle your claim.