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1Clear out junk files and repair common Windows errors2Fix the driver behind crashes, sound loss and screen glitches3Repair Windows errors before they cause bigger problemsBerkeley River Lodge was uninsured when Tropical Cyclone Fina damaged the remote Western Australian resort in November 2025, according to co-owner Rachel Bromage as quoted by PerthNow on 27 November 2025. Bromage said insurance premiums had become unsustainable. The owners’ initial assessment described three of the lodge’s 18 villas as destroyed or beyond repair, alongside damage to other buildings and failed water and power services.
Why was Berkeley River Lodge uninsured?
Co-owner Rachel Bromage told PerthNow that the premiums had become unaffordable for the business: “The (insurance) premiums just became unsustainable and at some point you have to balance the risk with viability.” The report attributed the lodge’s uninsured status and this explanation to Bromage; it did not provide an independent account of the property’s insurance history or policy decisions.
Bromage also said the staff accommodation and shed were not built to cyclone rating and would not withstand winds “of up to 260km/h.” That was her description in the report, not an independently verified measurement of wind speed at the lodge or an engineering assessment of those structures.
What damage did Cyclone Fina cause?
PerthNow reported that Fina struck Berkeley River Lodge on the northeast Kimberley coast on 24 November 2025 as a Category 3 system. In the early assessment reported three days later, Bromage said three guest villas were beyond repair; Saltwater Properties owner Chris Banson said, “Three of the 18 villas are completely destroyed.” The report does not reconcile the two descriptions, so the figure is best understood as an initial account rather than a final damage tally.
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The lodge had 18 villas and capacity for 36 guests, according to the report. Other villas had roof or exterior-cladding damage. Banson also described damage to the central lodge, extensive damage to staff accommodation, and water and power services that were no longer operating. The owners were still assessing the full extent of the loss.
The two caretakers were unharmed. The resort had already closed for its seasonal break, so no visitors were affected, PerthNow reported.
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What was known about reopening?
When PerthNow published its report on 27 November 2025, the owners said they hoped to open for the 2026 season, then scheduled to begin on 1 May, alongside a planned refurbishment. That was their plan at the time, not confirmation that the lodge reopened on that date.
A traveler review on the lodge’s TripAdvisor listing, dated May 2026, describes a stay and post-cyclone rebuilding and refurbishment. This is a user-generated account, not an official operating update; it does not establish current availability or booking status.
Does the later Fina insurance-claims figure mean the lodge was paid?
No. The Australian Competition and Consumer Commission’s June 2026 insurance monitoring report said the Australian Reinsurance Pool Corporation had paid approximately A$2.3 million in gross claims relating to Fina as at 31 January 2026. That figure covers claims relating to the cyclone, which affected the Northern Territory and northeast Kimberley coast; it is not a payment figure for Berkeley River Lodge and does not establish that the lodge received a claim payment.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.How the event was dated
The Australian Reinsurance Pool Corporation’s formal instrument records the Fina cyclone event as beginning at 11:00 AM AEST on 19 November 2025. PerthNow’s account concerns the system’s impact on the lodge on 24 November. These dates refer to different milestones in the event, not conflicting reports of when the resort was struck.
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