'Not ideal': adviser's message before disaster strikes

Millions of Australians are being urged to take a close look at their insurance cover, with many bushfire survivors often unaware of what they've been paying for.

More than three dozen homes have been destroyed in the past week after blazes in Tasmania and NSW, including one that claimed a firefighter's life.

An inferno at Koolewong, on the NSW Central Coast, required more than 250 firefighters and razed 16 homes in an hour at its peak on Saturday.

Legal Aid representatives will attend the area on Friday to help the community navigate insurance claims, tenancy rights and government payment claims.

Lawyer Ma'ata Solofoni said it could lessen the load on victims - now and down the road.

"(We) prevent matters from becoming over-complicated if it's not dealt with correctly at the beginning," she told AAP.

"Particularly around insurance, it can be a fairly drawn-out process if it's not dealt with correctly at the beginning.

"We know from our experience that not a lot of people are in the right headspace to deal with complicated matters like that."

Fire services have warned of complacency after reduced activity in recent years, and Ms Solofoni urged people to consider their insurance cover before blazes erupt.

"People don't really understand what they've been paying for," she said.

"Often, the first time they've engaged with their insurer is after a disaster.

"It's not an ideal time, because they're traumatised and trying to understand a big deal of information."

Disaster assistance funding including for clothing and other essentials has been activated in several fire-affected parts of NSW and Tasmania.

Psychologists say more can be done to support survivors and first responders' mental health including reinstating disaster-responsive Medicare item numbers.

"We know all forms of natural disaster, especially bushfires, can trigger trauma, grief, anxiety and other serious mental health issues and these impacts prevail long after the flames are out," the Australian Association of Psychologists executive director Tegan Carrison said.

All 44 remaining bushfires across NSW sat at advice level on Wednesday afternoon as mild and wetter conditions took hold in the state's east.

The largest fires - the 130 sq km Milsons Gully blaze and 55 sq km Bulahdelah fire - were being brought under control.

Investigations into the cause of the Koolewong blaze are ongoing but, in an update on Wednesday, police suggested they had not found any evidence it was deliberately lit.

NSW Premier Chris Minns and federal Emergency Minister Kristy McBain were among several leaders who attended the area on Wednesday morning.

The Rural Fire Service released its final statement relating to the Koolewong blaze, stating an evacuation centre at the nearby Gosford RSL would close and small generators would be available to borrow for people affected.