Disaster Resilience
Allied Justice is a for purpose organisation providing free legal advice, information and community legal education to people who live, work or study in the Central Highlands and Wimmera regions of Victoria.
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Allied Justice is now inviting warm referrals from community, health and council services across the Wimmera and Central Highlands regions.
Request an Appointment
After receiving a request we will make contact within 2 business days to determine how we can best assist.
Stronger Together:
Preparing for and Recovering from Disasters
A lawyer can help you understand your rights, advocate for you, and make sure your interests are protected
STOP
Has your Insurance Company offered you a Cash Settlement post the recent bushfires or floods? Get free advice and support from one of our Lawyers before you sign.
Look Out, Disaster Chasers are About!
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Natural disasters and climate events can profoundly disrupt lives, especially for people already facing systemic disadvantage. At Allied Justice, we believe resilience begins with knowledge, connection, and access to justice.
Our Disaster Resilience Project is a collaborative initiative that helps communities across Western Victoria prepare for, withstand, adapt to, and recover from disasters, while addressing the legal challenges and systemic injustices that disasters often exacerbate.
Why This Matters
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Disasters don’t affect everyone equally. People experiencing financial hardship, housing insecurity, disability, or living in remote areas often face greater risks and barriers to recovery. Legal issues, such as tenancy disputes, insurance claims, debt, and access to social services, can compound these challenges.
Challenges that our team at Allied Justice can help with. Find out more below or download our How Can We Help You Info Flyer.

Need Help Now!
If you’re facing a legal issue arising from a disaster or climate event, call us today.
Request an Appointment
After receiving a request we will make contact within 2 business days to determine how we can best assist.
Refer a Client
Allied Justice is now inviting warm referrals from community, health and council services across the Wimmera and Central Highlands regions.
Our Approach: The Three Pillars
Preparedness
We help communities and organisations build resilience before disaster strikes by:
- Delivering free pre-disaster community legal sessions.
- Providing accessible legal fact sheets, guides, and preparedness tools.
- Supporting community organisations to understand legal risks.
- Establishing and strengthening partnerships with councils, Emergency Recovery Victoria, health providers, and Aboriginal organisations.
- Working with Disaster Legal Help, Victorian Aboriginal Legal Services, Victoria Legal Aid and the Federation's Climate Justice team.
- Co-designing resilience initiatives with communities.
Response
When disaster hits, we act quickly to provide:
- Immediate legal advice on-site at emergency relief centres and through outreach.
- Quick-response legal resources for urgent issues.
- Advocacy to escalate community concerns in real time.
- Coordination with emergency services and partner organisations for holistic support.
- Legal Secondary Consultation for professionals working with impacted community members.
Recovery
After the immediate crisis, we assist with:
- Complex legal challenges such as insurance disputes, tenancy issues, debt, and employment matters.
- Ongoing legal advice and representation.
- Referrals to financial counselling and other support services.
- Policy and law reform advocacy informed by lived experience.
- Sharing lessons learned and building sector knowledge through reports and training..
Key Issues After A Disaster
✅ Financial hardship
🛡️ Insurance claims
🏠 Property damage
🏘️ Tenancy issues
💳 Debt management
💼 Employment issues
📄 Replacing damaged, lost or destroyed documents
🚨 Family Violence
👨👩👧 Family Law
📜 Parenting orders compliance
⚖️ Intervention orders compliance
🌐 Community-based orders compliance

By integrating legal support across all stages of the disaster cycle—prevention, preparedness, response, and recovery—we reduce harm and empower communities to rebuild with confidence.
Supporting the Three Pillars: Building Resilience Through Action
Our work also focuses on six key areas that strengthen preparedness, response and recovery:
1. Proactive Legal Preparedness
Community education about disaster-related legal issues, including:
- Housing and tenancy rights
- Insurance claims and disputes
- Social security entitlements
- Debt management
- Preparing essential legal documents like wills and powers of attorney
2. Integrated Service Delivery
Collaborating with emergency services (including the Country Fire Authority), health providers, social services, and other legal aid organisations to ensure a coordinated, holistic response.
3. Systemic Advocacy and Law Reform
Using data and lived experiences from disaster-affected clients to advocate for policy and legal reforms that address root causes of vulnerability, such as inadequate housing standards and inaccessible insurance.
4. Targeted Support for Vulnerable Groups
Prioritising outreach to:
- First Nations communities
- People with disabilities
- Those experiencing homelessness or financial hardship
- Residents in remote or rural areas
5. Building Community Capacity and Networks
Strengthening local networks and co-designing place-based action plans to foster shared responsibility and trust, empowering communities to act and support one another.
6. Developing Resources and Toolkits
Creating accessible guides and toolkits for legal practitioners and community members to strengthen preparedness and response capabilities.
Rebuilding your home after a disaster?
STOP! Check the risks before you settle for cash.
Your insurance provider might offer you a cash settlement. Make sure you understand all the risks before you sign anything.
1. Cash might fall short
Rebuild costs are often higher than the cash offered.
When an insurer offers a cash settlement, it may be based on what it can get repairs done for, not what you will have to pay. Insurers have strong bargaining power, preferred builders, and bulk-rate discounts, so their costs are usually much lower than retail prices.
After a natural disaster, repair costs often rise sharply. Builders are in high demand, and long delays and material shortages drive prices higher. If the cash payout doesn’t match the real-world cost of repair or rebuild, you could be left to cover the gap yourself.
Before accepting a cash offer, it’s important to get independent quotes to confirm whether the amount is sufficient to fix all the damage.
2. Important costs may be missing
Fees and debris removal may not be included.
A cash settlement might look reasonable at first — but it may not cover all the costs of rebuilding a damaged or destroyed home.
Some common items often left out include:
- debris removal and site clean‑up
- demolition
- professional fees (for example, architects, engineers or building surveyors)
- upgrades needed to meet new building standards
- temporary accommodation
- storage for your belongings
If your policy includes these types of cover, they should be included in the settlement amount. Once you accept a cash payout, any hidden or undiscovered damage may no longer be covered. Without a full assessment by a builder or engineer, you may not realise what’s missing until later — when it becomes your responsibility to pay for it.
This is why it’s important to have a thorough inspection before accepting a settlement offer.
3. Your lender may need the funds
3. Your lender may need the funds
Part or all of the payout may be paid directly into your bank account.
If you have a mortgage, your lender usually has a legal interest in your home. This means they may have rights to any insurance payout related to it. In some cases, part or all of a cash settlement may be sent directly to the bank rather than to you.
Banks may require you to:
- pay down part of your loan
- use the funds in a certain way
- get approval before starting any repair work
This can affect how much money you have available to rebuild and how quickly repairs can begin. It’s important to talk to your lender early to understand their process and any conditions they may place on the settlement.
4. Your cover may end early
4. Your cover may end early
Insurance cover can stop once you take the cash.
When you accept a cash settlement, your insurance policy may end — even if your home remains damaged or unsafe. Once the policy ends, your insurer won’t cover any new damage, and they may not cover hidden damage you discover later.
It can also be difficult to obtain a new policy while your home is damaged. Many insurers are reluctant to insure homes that need major repairs, which may leave you unprotected for weeks or months while you organise the rebuild.
This gap in cover can be risky. It’s worth asking your insurer whether they can keep you covered until repairs are completed, or checking what options are available before agreeing to the payout.
5. More work falls to you
5. More work falls to you
Managing trades and timelines becomes your responsibility.
If you accept a cash settlement, you take on the role your insurer would usually play.
This means you become responsible for:
- finding and checking qualified trades
- getting quotes
- managing timelines
- resolving problems
- making sure work meets building standards
- handling cost blowouts
Rebuilding after a natural disaster can be complex and stressful. Skilled tradespeople may be in short supply, and delays are common. If you don’t have the time, confidence or expertise to manage a major building project, it can become overwhelming — and costs can rise quickly.
If you prefer the insurer to manage repairs or want the protection of the insurer’s repair guarantee, a cash settlement might not be the best option.
Look out, disaster chasers are about!
After a disaster, some businesses or individuals may approach community members, offering to assess damage or organise repairs. These people are sometimes known as “disaster chasers.” They may appear soon after an event or many months later.
Disaster chasers may:
- Claim that they can identify damage you may not have noticed.
- Offer a “free inspection” and then pressure you to sign an agreement.
- Ask for money upfront.
- Promise quick repairs or unusually low prices.
- Claim to represent, or be sent by, your insurance company.
- Ask you to sign a contract immediately.
- Suggest they can secure a higher insurance payout on your behalf.
- Operate without appropriate licences or insurance.
How to protect yourself
- Your insurer will always contact you first if they are sending someone to your home.
- Speak with your insurer before agreeing to any repairs or signing anything. They can confirm what is covered and whether a builder is authorised to do the work.
- If something doesn’t feel right, ask for identification such as a builder’s licence or driver’s licence, and phone your insurer to check.
- Avoid signing contracts with people who make uninvited, door‑to‑door approaches.
- If you have already signed a contract, remember there is usually a cooling‑off period. Your insurer may be able to help you end the agreement if needed.
- If you’re worried about someone’s behaviour or think something is suspicious, report it to your local consumer affairs agency or the police.
Workplace Safety and Employment
General tips for work and leave
- Start conversations with your employer about your safety, work hours, and leave options as early as possible.
- Submit any requests for changes to your work arrangements or leave in writing, and keep copies of notices and supporting evidence.
- If you need assistance or advice, consider contacting your union or Allied Justice.
Q: What are my own duties as a worker?
A: You must take reasonable care for your own health and safety and that of others who might be affected by your acts or omissions, and cooperate with your employer’s safety measures.
Q: My workplace has ceased operations because of the disaster. Can I be stood down without pay?
A: An employer may stand down employees without pay during a stoppage of work for which the employer is not responsible (e.g., the workplace is destroyed by a natural disaster) when employees cannot be usefully employed. If this issue arises, make sure you check your employment contract or a relevant enterprise agreement.
Q: What alternatives might there be instead of standing down employees?
A: Before standing down employees, employers should consider:
- whether employees can work from home or from another safe location, if their role permits it;
- whether there are other tasks or roles that could be temporarily performed safely and suitably, or whether work could be undertaken in a different way;
- whether employees could take any accrued but unused annual leave or long service leave.
An employee who may otherwise be stood down can request to take the leave they are entitled to.
Q: What leave options might help my family or me during or after a disaster?
A: If you or your family are affected by a disaster, you may be eligible for several types of leave:
- Paid personal or carer’s leave if you are unwell or providing care or support to an immediate family or household member who requires care or support because they are unwell or because of an unexpected emergency affecting them.
- Unpaid carer’s leave when you have exhausted your paid personal or carer’s leave.
- Compassionate leave if an immediate family or household member suffers a life-threatening illness or injury or passes away.
- If you are engaged in eligible emergency management activities, such as volunteering with emergency services during a disaster, you may be entitled to community service leave.
This information is specific to the health and safety laws in Victoria (Occupational Health and Safety Act 2004 (Vic)).
A reference to an employee of an employer includes an independent contractor engaged by the employer and any employees of that contractor.
This material does not replace legal advice. Laws can change. If you are unsure, seek advice from Allied Justice.
Q: What are my employer's basic safety duties after disaster?
A: Employers must provide and maintain a working environment that is safe and without risks to health, so far as is reasonably practicable at all times, including during and after a disaster.
This includes providing and maintaining safe systems of work, safe workplaces and adequate welfare facilities, and providing the information, instruction, training and supervision necessary for employees to perform their work safely.
This duty also applies to independent contractors engaged by an employer and to the independent contractor's employees.
Q: What does reasonably practicable mean in the context of a disaster?
A: Employers must first try to eliminate health and safety risks. This may mean stopping work where hazards are extreme. Most of the time, it will involve adjusting work in some way.
Where it is not reasonably practicable to eliminate a risk, for instance, because a disaster or climate change has created ongoing or heightened risks and work needs to be done, the employer must reduce the risk as far as reasonably practicable. This may involve working with modifications or with controls in place.
In deciding what is reasonably practicable, an employer will consider the likelihood of the hazard or risk arising or continuing, the potential severity of harm, what is known about hazards and possible controls, the availability and suitability of controls, and the costs.
Q: What hazards are common with and after disasters?
A: Common hazards include unstable structures, live or damaged electrical or gas systems, asbestos and other hazardous materials, contaminated water and sewage, poor air quality (smoke and dust), weather extremes, and fatigue and psychosocial risks.
Q: What should be in place before work resumes?
A: Depending on the nature of the disaster and its impact on the workplace, employers may need to take specific steps to ensure workers' health and safety before they return to work. In the context of a disaster, examples of such steps might include restricting access to unsafe areas, arranging structural checks, isolating or disconnecting services, using licensed asbestos removalists, drying and disinfecting flood-affected areas, setting up exclusion zones, providing protective equipment, rotating tasks, and managing fatigue.
Q: Do employers have to consult me about health and safety matters?
A: If it is reasonably practicable, employers must consult with workers and Health and Safety Representatives on matters such as identifying and assessing hazards or risks, making decisions about controls, and proposing changes that may affect employees' health and safety.
Employers must share information, and workers must have a chance to give their views on the matters. The employer must take employees' views into account.
Q: What if I think work is unsafe during or after a disaster?
A: If you have a health and safety concern about your workplace, it may be appropriate to take one or more of the following steps, depending on the circumstances:
- Tell your supervisor and/or Health and Safety Representative to try and resolve the concern.
- Refer to and follow your employer’s issue-resolution procedures.
- Stop the activity or leave the dangerous area, then tell your supervisor and Health and Safety Representative.
- Ask a WorkSafe inspector to attend the site. If an inspector issues a prohibition notice or finds reasonable cause for concern, you are entitled to be paid for any period you did not work while the issue was being resolved, provided you would otherwise have been entitled to payment for that period.
Q: Can I be punished for raising safety concerns?
A: No. It is an offence for an employer to dismiss an employee, injure an employee in their employment, or alter an employee’s position to their prejudice (or threaten to do so) for reasons including that the employee has raised a safety concern, assisted an inspector or Health and Safety Representative, acted as a Health and Safety Representative, or exercised a power as a Health and Safety Representative.
Your Home or Your Rental Home and Climate-Related Damage
General tips
- Communicate in writing and keep copies of notices, reports, follow-ups and invoices.
- Use a qualified tradesperson and retain compliance certificates.
- Consider contacting your local Council or seeking advice from Allied Justice before you begin any work.
Your Home
Q: My home has been damaged by weather or climate. What are the first things I should do?
A: Stay safe and avoid any unsafe structures. Photograph any damage and record what is damaged or lost. If possible, contact your insurer before starting clean-up or repairs.
Q: What permits might I need to repair, demolish, or rebuild my home?
A: You will likely need a building permit for construction, demolition, or removal of a building used as a home. Before applying for a building permit, you may choose to appoint a registered building surveyor, building practitioner, endorsed building engineer or architect to apply for the permit on your behalf.
You may also need a planning permit for land use or development (construction works) if your local planning scheme requires one for your land or the proposed works. Check with your local Council for guidance on whether a planning permit is required.
Q: Are there any exemptions to obtaining a building or planning permit to repair, demolish, or rebuild my home?
A: A building permit will not be required if the building works are carried out under a building order or an emergency order (and the order does not specifically require a building permit to be obtained).
If your principal place of residence has been destroyed by a climate event (i.e., fire, flood, wind, storm), there is an exemption from obtaining building and planning permits for constructing temporary accommodation.
Minor works and routine maintenance to restore an existing building usually do not require a planning permit unless specifically required by a local planning scheme.
Q: How do I know if I need a planning permit?
A: Whether a planning permit is required depends on where your home is located and the planning controls that apply to it.
Generally, any works to homes in heritage areas or subject to climate risks will require a planning permit for most demolition, repair or rebuild works.
Q: What rules apply to the exemptions for temporary accommodation?
A: A planning permit is not required for the construction and use of a building for temporary accommodation if your principal place of residence was damaged or destroyed in a bushfire, provided the following requirements are met:
- the temporary accommodation is on the same land as your damaged or destroyed residence, or on neighbouring land you also own;
- there must be an all-weather access road to the temporary accommodation;
- the temporary accommodation must be connected to reticulated sewerage (if available), potable water supply, and electricity (or suitable alternatives);
- The use of the land for the temporary accommodation does not continue beyond 3 years from its commencement.
In addition, the temporary accommodation:
- must be completed within 18 months of the date the principal residence was damaged or destroyed; and
- the combined gross floor area of all temporary accommodation must not exceed 60 square metres unless you have specific consent from your local Council.
As this exemption applies only to temporary accommodation, you may need a permit to use the land for a dwelling within three years of construction, to use the rebuilt temporary accommodation permanently as your home.
To rely on this exemption, you must first provide information about the proposed temporary accommodation and its location to your local Council.
Your Rental Home
Q: I rent my place, and it has been damaged in a disaster. How do I get urgent repairs done?
A: Urgent repairs include serious flood, storm or fire damage, as well as any fault or damage that makes
your home unsafe.
For the full list of urgent repairs, visit the Consumer Affairs Victoria website at consumer.vic.gov.au/urgent repairs.
Notify your landlord or agent in writing as soon as you become aware that urgent repairs are needed.
If you have taken reasonable steps (i.e., followed up on the request and used the emergency contact number provided by the landlord or agent) and the landlord or agent fails to carry out the requested urgent repairs, you can arrange them yourself.
If this happens, the landlord must repay the reasonable cost of the repairs, up to $2,500. If the repairs will cost more than $2,500 or you cannot afford them up front, you can apply to VCAT to require the landlord to complete the urgent repairs. Speak to Allied Justice if you want to do this.
If you carry out the urgent repairs yourself, keep receipts and give the landlord 7 days’ written notice of the repairs and the cost. If you are not reimbursed within 7 days, you can apply to Rental Dispute Resolution Victoria for assistance.
Q: What about non-urgent repairs?
A: If you need a non-urgent repair and can continue to live safely on your property in the interim, you should notify your landlord of the repair.
If the landlord does not fix the issue within 14 days, you can apply to Consumer Affairs Victoria for an inspection and report, to Rental Dispute Resolution Victoria for assistance, or directly to VCAT to require the landlord to complete the non-urgent repairs.
Keep records of what is damaged, how it was caused, and your attempts to ask the landlord to fix the issue.
Q: The home is uninhabitable due to a climate event; can I end the lease or agreement?
A: If your home is unfit for human habitation (e.g., its structural integrity is compromised, it is contaminated, or you are likely to be injured) or destroyed, either totally or to the point of being unsafe, you can end your lease.
To do this, you must first give your landlord a notice of intention to vacate, stating that you intend to move out immediately. If you do so, you should not be required to pay ongoing rent or a lease break fee.
If the house is still habitable but you want to leave, you can give a standard 28-day notice of intention to vacate. However, the landlord may seek to recover a lease break fee. You can also negotiate an agreement with your landlord to end your lease. In this case, ensure that any agreement states you are not required to pay break-lease fees.
Q: I live in a boarding house or a caravan park; do I have similar rights?
A: Yes. Similar rights apply to both urgent and non-urgent repairs and to lease terminations, but there are some important differences.
If you live in a boarding house or caravan park and there is no immediate danger to your health or safety, but you can still use other facilities in the communal areas, you might not be able to organise repairs yourself and recover their costs. If you decide to terminate your lease and want to leave before the date specified in the notice of intention to vacate, you will still need to pay rent.
This information applies only to Victoria and does not replace legal advice.
Laws can change. If you are unsure, seek advice from Allied Justice.
Links to Additional Support and Resources
Insurance
Australian Financial Complaints Authority
Farming and Rural Communities
Rural Financial Counselling Service
Allied Justice acknowledges the Traditional Owners of the region we service, their diversity, histories and knowledge and their continuing connections to land, water and community. We pay our respects to all Aboriginal & Torres Strait Islander people, their Elders past, present and emerging. We acknowledge sovereignty has never been ceded. It always was, and always will be, Aboriginal land.
Allied Justice is committed to providing safe and inclusive services and is an ally of the LGBTIQ+ community.