Being prepared also means ensuring that you've got adequate levels of insurance - consider all types including home, contents, motor vehicle, health or ambulance cover, income protection, boat and others.
When you submit a claim to your insurance company be as detailed as possible and take photos that show the state of your property and contents. Take time to prepare a full list of all the items lost or damaged. Make a copy of any claim you submit.
You don't have to prove whether the damage was caused by a natural disaster, this is up to your insurer.
Make a detailed record of all damage and include photos where possible.
Where practical, talk to your insurance company before you start to clean up - they may want to see the damage.
If you are concerned about your legal position, seek advice.
If you have a query relating to insurance you can call the Insurance Council of Australia on 1300 728 228.