If you’re uninsured, or unable to claim insurance, this grant is a one-off contribution towards repairs to your home to make it secure and safe.

To view the current list of events open for application click here

Uninsured, low income, owner-occupiers may receive money to help repair your home to make it safe, secure, and habitable. This excludes repairs to damage that existed prior to the disaster event. The maximum amount available is:

• up to $80,000 for eligible disaster events that occurred since January 2023
• up to $50,000 for eligible disaster events that occurred prior to January 2023.

Income test (how much you earn)

Your gross (before tax) weekly income must be less than or equal to:

• individual: $1,208 ($62,794 per year)
• couple: $1,670 ($86,818 per year)
• sole parent, one child: $1,670 ($86,878 per year)
• couple, one child: $2,071 ($107,650 per year).

For each additional child, add $402 per week.

For each dependent adult, add $462 per week.

Where a property is jointly owned by two or more people, the income test is applied to all title holders of the property.

The grant can be paid to you or directly to the tradesperson completing the repairs.

The grant can be paid by:

• electronic funds transfer (EFT) to the bank account you listed in your application. The timing depends on when your bank processes the payment.
• cheque mailed to the address in your application.

New changes

There has been an increase to the maximum amount of assistance available under this grant.  If you have already applied for this grant we will contact you if we need more information.

View the current list of events open for applications.

You may be eligible to apply for assistance for more than one of these events if:

• you received a grant under one of the eligible disasters listed above and repair works were completed, and
• your home was then damaged by another of the eligible disasters and now needs further work to make it safe, secure and habitable.

You cannot claim for damage that occurred in one disaster under another or multiple disaster events.

Who can apply

You must meet all these requirements:

• the residential dwelling that you’re applying for a grant for must be within an eligible area affected by the disaster event.
• you were living in the residential dwelling (which includes a caravan or boat) as your principal place of residence (main home) when the disaster happened.
• your home sustained structural damage as a result of the disaster.
• you must own or have a mortgage on the residential dwelling. If multiple dwellings are on the same property and are not separately metered, we can assess them as separate households if you can demonstrate you live independently of each other.
• you must not hold an insurance policy that covers you for expenses or losses sustained during the disaster.
• if you hold an insurance policy:
  • you do not have coverage for a particular event (e.g. storm/flood) and/or
  • you must have evidence that the insurance claim has been declined.
• you have evidence that you meet the income test (where required) at the time of the event, e.g. Centrelink benefit statement, Australian Taxation Officer notice of assessment or Australian Tax Office income statement.

People who aren't Australian citizens can also apply for this grant.

There are requirements for residential vessel eligibility. 

• Phone: 1800 173 349