EQC provides natural disaster insurance for residential homes (usually up to $100,000 + GST), contents (usually up to $20,000 + GST) and a defined area of residential land. It’s called EQCover. If you insure your home and/or contents with a private insurer, and the policy includes fire insurance (most do), you automatically have EQCover.
The deadline to notify EQC or your insurer of damage from the 14 November 2016 Kaikoura Earthquake was midnight 14 February 2017. If you lodged a claim before this deadline you will receive an acknowledgement of your claim from EQC or your insurer. Claims cannot be accepted after the deadline. Enquiries about house or contents claims should be directed to your insurance company. Enquiries about land claims should be directed to EQC. You can call EQC's contact centre on 0800 DAMAGE (326 243) which is open 7am-9pm from Mon-Fri and 8am-6pm on Saturdays. You can also email EQC on firstname.lastname@example.org.
- Read our guide A simpler claims process for Kaikoura to find out more about how we’re managing claims from the Kaikoura Earthquakes.
EQC covers the land that the house sits on, as well as land within eight metres of the house. Land within 60 metres of the house that is part of, or supports the main access to the house from the boundary is also covered.
- If you own a farm or rural property which has been damaged following a natural disaster, read our guide Damage to your farm - what EQC covers. It explains what EQC covers and doesn't cover, and sets out specific issues to be aware of.
- For more information about what we cover read our guide Land: What EQC covers. It explains what areas of land are covered by EQCover.
- For more information about structures on land read our guide Land structures – retaining walls, bridges and culverts. It gives more detail about structures on land and how they are assessed.
If your home is badly damaged and you need repairs urgently to make it safe, sanitary and secure, there may be some things you can do straightaway or you may need to bring in a contractor. Remember to take photos before you do any work, and keep records of work you pay for.
- See our Guide to urgent repairs (PDF) for what do first and where to get help
- See our Guide to chimney repairs (PDF) to find out more about making your chimney safe and what EQC covers
If you receive a cash settlement to make repairs to your home either from EQC or your insurance company, you will find useful information in the fact sheet called Information for people receiving insurance payments for repairs.
A more detailed guide called Rebuild with Confidence from the Ministry of Business, Innovation and Employment (MBIE) outlines how to manage your building repairs once you have received a cash settlement.
If your house is so badly damaged you cannot stay in it, your private insurer is the best person to talk to. It’s a good idea to read your policy to find out what you may be entitled to.
The Ministry of Business Innovation and Employment (MBIE) and the Ministry of Social Development (MSD) are working together to help displaced people find suitable temporary accommodation:
- Call 0800 673 227
- Visit www.temporaryaccommodation.mbie.govt.nz
- Email email@example.com
- Our Guide to temporary accommodation [PDF] lists key things to be aware of, if you need another place to stay
Other useful websites
- ACC Claims
- Citizens Advice Bureau
- Get ready/Get thru
- Inland Revenue
- Red Cross