Most emergency situations are covered by your building and contents insurance. With either accidental damage, criminal damage (in the case of meth houses) or natural disasters. In each case make sure you have photos and or video to ensure that evidence of what caused the issue, what happened after and any damaged contents are accounted for. Remember that carpets are considered contents. This is important to note for tenants as tenants are responsible for issues relating to the carpets in a rented or leased property.
If you are a homeowner or tenant in Toowoomba and don't have insurance with either contents or property we would highly recommend that you investigate and consider purchasing it. Unfortunately, damage caused by even a small water loss from a burst pipe or overflowed washing machine can be costly and be much more than the average excess.