Insurance poses more question than answers


A GRAFTON woman seeking affordable home insurance is finding more questions than answers in her search.

In Friday's Daily Examiner, Miller St resident Helen Hearnshaw told how her insurance premium had risen from $1711 to $9600, through the inclusion of mandatory flood cover, prompting her to look elsewhere.

The article prompted calls from people suggesting different insurance companies.

"I had a conversation with a friend who lives in McHugh St, not far from here," Mrs Hearnshaw said.

"She had her renewal slip with APIA and the premium was $1200-odd, including flood."

"I told her APIA had refused to offer me any cover at all - I don't think she believed me.

"So we called APIA and the lady just said if my friend had been with APIA for a while, they would continue to cover her, but no new policies would be offered to people like me."

A spokesman for APIA confirmed this was the company's policy.

"We would never kick anyone off an existing policy," he said. "But a few years ago we stopped writing business for high and extreme flood areas."

He said the basis for the decision comes from the National Flood Risk Database.

"We make our own call from the data we receive from it.," he said.

As Mrs Hearnshaw continued to search, she found more anomalies in the flood cover available. After the online Coles Insurance tool refused cover for her home, she punched in different addresses near her home.

"If I change my address to 9 or 11 Miller I am able to get quotes," she said.

She entered data for addresses in McHugh, Breimba Sts and Island View Cl which returned interesting results.

"All of McHugh St addresses were offered a policy. Number four Breimba was, but not 86, and none for Island View Cl," she said. "Any house on the river side of Miller is denied a policy."

A spokesman for Clarence Valley Council said insurers were increasingly using independent flood height data.

Topics:  flood grafton insurance premiums

Skipper's brilliant century sets up Country Cup win

Clarence batsman Jake Kroehnert during the Clarence rep cricket match at Ellem Oval between Clarence and Coffs on Sunday, 8th February, 2015. Photo Debrah Novak / The Daily Examiner

Dream start on home turf for Clarence River in knockout competition

G-Bomb fuse cut as officials shorten race due to rain

GRIPPING STUFF: The annual Grafton GBomb 12-hour race at Bom Bom State Forest at South Grafton on Saturday.

New format for G-Bomb cut looked good but rain cuts it short.

Tea party with the 'Queen'

TRADITION: 1955 Jacaranda Queen Stella Wilson sits with reigning 2015 Jacaranda Queen Charlotte White at last year's Jacaranda Afternoon Tea.

Meet the royal patyu in style

Local Partners

Meet the faces behind the highway upgrade: PT I

MEET communications advisor Colleen Catterson in the first part of the DEX's new series introducing people who have moved to the region due to the highway.

Tea party with the 'Queen'

TRADITION: 1955 Jacaranda Queen Stella Wilson sits with reigning 2015 Jacaranda Queen Charlotte White at last year's Jacaranda Afternoon Tea.

Meet the royal patyu in style

Sound of Music star to compere An Afternoon at the Proms

This photo provided by Twentieth Century Fox Home Entertainment shows, from left, Chairmian Carr, as Liesl, Nicholas Hammond, as Friedrich, Heather Menzies, as Louisa, Duane Chase, as Kurt, Angela Cartwright, as Brigitta, Debbie Turner, as Marta, Kym Karath, as Gretl, and Christopher Plummer, as Captain Von Trapp, in a scene from the film, \"The Sound of Music.\" The 1965 Oscar-winning film adaptation of the Rodgers & Hammerstein musical \"The Sound of Music\" is celebrating its 50th birthday in 2015. To honor the milestone, 20th Century Fox is releasing a five-disc Blu-ray/DVD/Digital HD collector's edition, the soundtrack is being re-released, the film will be screened at the TCM Classic Film Festival in Hollywood later this month and to over 500 movie theaters in April. (AP Photo/Twentieth Century Fox Home Entertainment)

Saraton's rich history of stage and screen honoured in musical tribu

Former Split Enz front man Tim Finn finds new niche

Singer Tim Finn has written the music for theatre production Ladies in Black.

Musician finds his way to theatre

Check out some fashions from the Coast festival

FASHION: Ocean Zen range.

Images from the Sunshine Coast Fashion Festival show what's hot

Australian Survivor's magician Matt out of tricks

Australian Survivor contestant Matt Tarrant.

SHOW'S power couple looks unstoppable in race to the finish.

Top floor teams take out The Block's terrace week

Kim and Chris pictured on their winning outdoor terrace in a scene from The Block.

RIVALS Kim and Chris and Julia and Sasha tie in final week of work.

Bob Dylan slammed as 'arrogant' for Nobel silence

Nobel Prize winner Bob Dylan.

Singer the controversial winner of literature Nobel

Shannen Doherty reveals fear of dying in post on chemo

Actor Shannen Doherty shared this image of her lying in a hospital bed after a chemotherapy session.

Actor has been fighting cancer since 2015

Eddie Redmayne's stage fright on latest Harry Potter film

Actor Eddie Redmayne stars in Fantastic Beasts and Where to Find Them.

Actor felt like kid again when he got to film with a wand

Hinterland horse stud passed in for $8.25 million

UNREAL: This Maleny estate is incredible.

12-bedroom hinterland horse stud still available

Hit songwriter's Noosa mansion on market

SPECIAL PLACE: The Cintamani estate is going to tender, marketed by Tom Offermann Real Estate.

Is this Queensland's best property?

Kiwi siblings snap up Dotcom mansion for $32.5m

The new toy company owners of the Coatesville mansion want replace any controversy with positivity and fun. Photo / Barfoot and Thompson

The trio paid $32.5 million for the property in June

New $200 million development will create 580 jobs

Cassie And Josh with baby Alfie and daughter Andee. They have bought at new Lennox Head development Epiq.

Majority of new positions will be given to Northern Rivers locals

Cherrabah's mega resort plans axed

PLANS for a massive development at Cherrabah have been scrapped.

Dusit Thani finance crisis 'just a small hiccup'

ON TRACK: Springfield Land Chairman, Maha Sinnathamby, Ipswich Mayor Paul Pisasale, Developer Richard Turner and Springfield Land Deputy Chairman, Bob Sharpless, at the recent resort sod turning ceremony.

Property developer says project remains firmly on track