Bushfires may be described as fires that cover large land areas, destroying vegetation, property, and resulting in the loss of lives, including wildlife. Willis (2004, p. 9) describes bushfires as fires that burn unchecked using forests, grassland or scrubland as fuel. Carter (2011, p. 76) explains that bushfires become catastrophic when it ‘destroys a large proportion of land and substantially disrupts communities, which may result in large insurance payouts.’ In the last few years, bushfires have become common in Australia (Willis 2004, p. 85). The frequency of occurrence has raised concern over the profitability of insurance companies. Lloyd’s (2013, p. 11) show that bushfires have occurred less frequently since 2000. However, they burn
