In this section you can do the following:
1. Find out about the repair process for homes with different amounts of damage.
Small claim cash settlements
For people whose overall home repairs will cost less than $15,000 (+ GST) and don't have any structural damage or urgent repairs outstanding:
EQC will pay the settlement amount and you can manage the repairs yourself. (If you think you may have difficulty doing this, please call 0800 DAMAGE to talk to us about your situation.)
- Note that the settlement payment may go to your mortgagee.
- If your repairs will cost less than $15,000 (+ GST) and you do have structural damage, then you fall under the ‘managed repair’ process described next.
For people whose overall home repair or replacement will cost more than $15,000 (+ GST) and less than the EQC cap, which is usually $100,000 (+ GST) per event:
Your claim(s) will be referred to Fletcher EQR, who will manage your repairs under the Canterbury Home Repair Programme (CHRP).
[To watch a comprehensive video describing the assessment process once your claim has been allocated to a hub by Fletcher EQR, this link will take you there. This video can also be found at the Fletcher EQR site.]
- If you have a tradesperson you want to use, you can use them under the Fletcher EQR process if they're accredited with Fletcher EQR (or become accredited).
- You can choose to ‘opt out’ of the Canterbury Home Repair Programme. If you do this, you'll take responsibility for managing all of your repairs – and therefore it's a decision that needs to be made carefully. Read more about opting out.
For people whose home repair or replacement will cost over the EQC cap – for most people this is $100,000 (+ GST):
If damage from any single event exceeds the EQC cap (usually $100,000 + GST), the management of repairs or replacement will be handed over to your private insurer.
- If you have a mortgage (or other financial security) on the property, we'll usually pay the settlement amount to the mortgagee.
- If your property is freehold, we'll pay the settlement amount to you.
2. Find out more information about the Canterbury Home Repair Programme (CHRP)
The Canterbury Home Repair Programme (CHRP) is EQC’s managed repair programme for Canterbury homes with damage between $15,000 and $100,000 (+GST) per claim.
On the CHRP page there is specific information:
- what the CHRP programme is
- about Fletcher EQR
- a land structures factsheet
- nominating your own contractor
- beneffits of being in CHRP
- the repair process under CHRP
- repair completion
- complaints process
- home repairs for the vulnerable
- opting out of CHRP
3. Find out more about pre existing building issues
EQC has a dedicated team handling homes where pre-existing construction issues have been identified. To go directly to this page you can follow this link
4. The issue of asbestos
Find out how EQC is dealing with asbestos and we answer any questions you may have. The asbestos page can be directly accessed at this link.
5. Urgent repairs
Urgent (or ‘emergency’) repairs are repairs that are essential to make your home safe, secure, sanitary and weathertight. At this page you can find out about:
- immediate actions
- authorising urgent repairs yourself
- is "liquefaction" an urgent repair
6. Certificate of title notification
Some property owners have a notification on their Certificate of Title (or ‘land title’) under Section 74 of the Building Act 2004, which indicates that the land is likely to be subject to a specified natural hazard (or hazards). This page will lead you to notifications relevant to this area.