Most people do not have the skills, time and mental state of mind to deal with an insurance company after a major event. The insurance companies know this.
Dealing directly with an insurance company when purchasing your home and contents cover can leave you vulnerable when handling a claim on your own. Many people may not have the time or mental capacity to manage this process effectively. An insurance company could take advantage of this, and if you wish to resolve things quickly, you might end up in a worse position financially or mentally.
Some Insurance brokers, on the other hand, have professional teams of claims experts who can manage any claims you have efficiently. They are in a strong position to argue your case alongside many others, leveraging their collective expertise and negotiating power. While the policy may cost a little more that peace-of-mind may well be worth it.
Take photos and videos of the damage to your property.
Make a list of damaged or lost items, including their estimated value.
Save receipts for any expenses incurred due to the earthquake (e.g., temporary accommodation, emergency repairs).
Have a professional assess the structural damage to your home. This will help support your claim.
Check for Structural Damage:
Look for cracks in walls, ceilings, and foundations.
Inspect for any signs of instability or potential collapse.
Turn Off Utilities:
If you suspect damage to gas lines, electrical wiring, or water pipes, turn off the main valves and switches.
Leave the house immediately if you smell gas.
Wear Protective Gear:
Wear sturdy shoes, gloves, and a hard hat to protect yourself from debris and potential hazards.
Inspect for Hazards:
Check for fallen power lines, broken glass, and other hazards.
Be cautious of weakened structures that could collapse.
Ventilate the Area:
Open windows and doors to ventilate the house, especially if you suspect gas leaks.
Take Notes and Photos:
Document any damage you find with notes and photographs for your insurance claim.
Do Not Enter If Unsafe:
Do not enter the home if there are signs of severe structural damage or if authorities have deemed it unsafe.
Do Not Use Open Flames:
Avoid using candles, matches, or lighters until you are sure there are no gas leaks.
Do Not Turn on Appliances:
Do not turn on electrical appliances or lights until you have ensured there are no electrical hazards.
Do Not Move Heavy Objects:
Avoid moving heavy furniture or debris without assistance, as this could cause further injury or damage.
Do Not Consume Tap Water:
Avoid drinking tap water until you have confirmed it is safe from contamination.
By following these steps, a family can ensure their safety and effectively manage your insurance claim.
If your home, vehicle or contents have been damaged, take photos and report any damage to your insurance company as soon as possible. Your insurance company will tell you what you need to do next.
If you need to do urgent work to make your home clean and safe, make a record of the work you do. Take before and after photos. Keep copies of the bills you pay.
If you have contents insurance but not home insurance, talk to your insurer about what is covered. Take lots of photos and keep a record of anything you throw out.
The Natural Hazards Commission Toka Tū Ake has partnered with insurers to make a single point of contact for homeowners.
Your insurer will assess, manage, and settle the entire claim, including the natural hazards cover part.
Natural hazards cover is designed to help homeowners rebuild or repair their homes and limited areas of land if they are damaged by a natural hazard event, such as a storm, flood, or a landslide.
You have natural hazards cover if you have a home insurance policy that includes fire insurance - and most people do. It includes cover for some retaining walls, bridges, and culverts, to a limit.
You can find out more on natural hazard cover here:
https://www.naturalhazards.govt.nz/insuran.../about-nhcover/
Need help with insurance claims?
The New Zealand Claim Resolution Service is a free service that can help you with any questions or concerns about your house insurance policy or the insurance claim process.
You can call them on 0508 624 327, email contact@nzcrs.govt.nz or visit www.nzcrs.govt.nz.