Financial crisis support

People may experience significant loss or financial difficulties due to the damage or loss of property caused by an emergency such as fire or flood.

In such financial crises, welfare organisations and support services may provide emergency relief in the form of food, clothing and household goods such as second-hand furniture, to help people manage finances in the aftermath of an emergency.

People who have experienced significant loss will need to consider a broad range of financial issues in the days and weeks that follow.

Personal Hardship Assistance Program

The Personal Hardship Assistance Program (PHAP) provides financial assistance to alleviate the personal hardship and distress suffered by eligible Victorians, as a result of an emergency. For more information on this program, see the Personal Hardship Assistance Program


MoneySmart is an initiative of the Australian Securities and Investments Commission to help people with their financial matters. Their guide to managing insurance issues after an emergency covers:

  • Tips for handling your insurance claim after an emergency
  • Tips for buying the right insurance
  • The risk of under-insuring.

For more information see the MoneySmart website.


The Relief & Recovery section of the VicEmergency website provides details of current support available to emergency affected people, communities and businesses.

Victorian Emergency Recovery Information Line
1300 799 232