This article presents the findings from a research project. It outlines Suncorp's initiatives to help homeowners lower their insurance premiums.

The study found that:

• Upgrading the tie-down connections in roofs of houses built before 1980 pays for themselves after one cyclone
• bracing roller doors for $300 could save between $1,500 and $10,000
• DIY window protection for around $1360 can reduce claims cost by up to $15,000

Common minor claims were for:

• fences
• shade cloth or shade sail structures,
• loose items in the garden

Damage to flooring and internal linings from wind-driven rain that enters a house can be easily prevented.

The only way to reduce North Queensland’s premiums in a permanent and sustainable way is to reduce the risk of damage from cyclones. This needs increased Government and private investment in protecting the community.