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Excess on CHRP repairs

In mid-April 2015 EQC began sending invoices to customers whose homes were repaired through the Canterbury Home Repair Programme (CHRP) and need to pay an excess for the work managed by Fletcher EQR. EQC expects the majority of invoices or letters confirming there is no excess to pay to be sent throughout 2016. The rest will be sent once the remaining repairs or any remediation work are completed.

As is usually the case with insurance, there is an excess on EQC damage claims. EQC customers whose claims have been cash-settled following the series of Canterbury earthquakes in 2010 and 2011 have already had excess amounts deducted from their payments. This includes cash payments made for damage to land, contents and buildings.

When the repairs started through our managed repair programme, EQC’s priority was to fix homes as quickly as possible, so homeowners were not asked to pay an excess before repairs began. Now that we are near the end of the programme, we need to collect excess from customers whose homes have been repaired. It is important that all of our customers are treated the same way, and the collected excess is invested in the Natural Disaster Fund for future events covered by EQC.

EQC estimates the majority of excess invoices for CHRP repairs to be between $200 and $600.

CHRP customers will receive a letter about a month before their invoice is sent, reminding them an excess will be payable on their CHRP repairs.

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What to expect in your invoice pack

The invoice pack will include a letter, invoice, calculation sheet ‘How EQC calculated excess for your building repair’, and a copy of the ‘Guide to understanding your excess calculation’. If you have any questions about your invoice pack, please call EQC’s contact centre on 0800 326 243 between 7am to 9pm Monday to Friday, or send an email to

You can download a sample excess invoice pack here.

CHRP Excess Q&As

You’ll find more information in our CHRP Excess Q&As



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