Actually, I agree with Minux. In fact, I'm one of those unprepared people, but I would be more at risk of a normal house fire rather than a bushfire (unless embers were involved). I always have my wallet, phone and keys on me (my phone was damaged by water while FIGHTING the bushfires, but I'm not due any compensation for that. That was my own carelessness. See that? That's called "accountability"). Again, if your car is destroyed by fire and you do not have insurance - your own fault.
I don't have a problem with lending people a hand. What I do have a problem with is the expectation that you are OWED money due to a natural disaster. If the house I'm renting burned down I would be left with nothing but the clothes on my back and hopefully my car. Would the government compensate me for my loss? I seriously doubt it. So what would make me different in that scenario to the people who haven't actually lost anything? Why are they more deserving? If the government was going to pay them then they would have to compensate EVERY SINGLE VICTIM of any house fire. And could you imagine the class action for compensation for people who have suffered losses due to house fires over the last decade alone?
Now, sure, it would be nice if the government could give out free money to anyone who ever suffered some sort of genuine loss, but the fact is that there is less money to give and sacrifices have to be made somewhere. Of course, one of those sacrifices is fewer entitlements for MPs ... but one rule for them and us, hey?
I just don't see the point in compensating people who don't need compensation. As I said, the money will just turn into a new TV and beer, and that isn't helping anyone.