Guidance on property damage
Need to make an insurance claim?
Take photos before you remove or repair anything and report it to your insurance company as soon as possible. Your insurance company will let you know what you need to do next, how to claim and, if applicable, how Earthquake Commission Cover from Toka Tū Ake EQC works.
The Insurance and Financial Services Ombudsman Scheme (IFSO) has useful advice on what to do if you’ve been impacted by extreme weather.
Natural Disasters(external link) — Insurance and Financial Services Ombudsman Scheme
If your claim is denied, you’re unsatisfied with the standard of repairs, or you’ve been told you must pay the excess cost, you can learn more about what this means and what you may be able to do here.
New Zealand Claims Resolution Service offers free advice and support with insurance claims.
New Zealand Claims Resolution Service(external link)
Contact your local council for guidance. If you are an uninsured homeowner in Auckland, contact the Auckland Emergency Management Emergency Coordination Centre Welfare team on 0800 22 22 00.
Repairs to damaged property
Before making repairs to damaged property, you should contact your insurance company and local council. This will give you the opportunity to explain your situation and learn your options. Taking pictures and videos of possible property damage may also be helpful.
If you are renting, you can contact your landlord to find out how they are responding to the damage.
When starting repair work, following guidance from your local council and/or insurance company is important, especially if your home has been issued with a red or yellow placard by a Rapid Building Assessor.
The Ministry of Business, Innovation and Employment's Building Performance team has information to help you and to ensure that remedial work complies with the Building Code.
North Island severe weather events 2023(external link) — Building Performance
Water damaged vehicles
Drying out your vehicle is not enough to rectify water damage. It is likely the water damage has affected the electrical and mechanical car systems as well.
Before doing anything on a water damaged vehicle:
- take it to your insurer to get it assessed, and
- visit the Waka Kotahi website for more detailed information on water damaged vehicles.
Fixing your car
Water damaged vehicles – what you need to know(external link) — Waka Kotahi NZ Transport Agency