Consumer Action provides free legal advice to Victorians about consumer insurance problems by email and over the phone: https://consumeraction.org.au/legal-help/

The Insurance Law Service is a national service, provided by Financial Rights Legal Centre, which has factsheets dealing with a number of insurance issues and a sample letter generator which you can use to write to your creditors, insurers or Ombudsmen.

But for more general information about the Insurance Law Service or for information specifically for consumers experiencing damage following an extreme weather event, refer to these two links:
Insurance Law – Financial Rights Legal Centre
Extreme Weather – Financial Rights Legal Centre