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Insulating your home during natural disaster damage repairs

During repair of natural disaster damage, areas of your home that are usually tricky to access may be opened up – providing an opportunity for you to have insulation installed.

Examples of difficult-to-access areas include wall cavities, skillion or flat roofs, and suspended floors.

An insulated home is easier and cheaper to heat in winter – and cooler in summer. It’s healthier and more comfortable all year round.

New insulation

  • If there was no insulation before the event in the area you’d like to insulate, you’ll need to pay for the insulation material and the cost of having it installed. It will be an improvement to your home, so won’t be covered as part of your insurance claim.

  • You’ll need to manage the installation process, but get the work carried out by a trained insulation installer. They will need to work with the builder or contractor who is carrying out your repairs, to ensure that the repair work isn’t held up.

Existing insulation

If you need existing insulation repaired, as part of natural disaster repairs it will be covered as part of your claim.Gloved hand of insulation installer pushes insulation into place.

Questions and answers

Can I install the insulation myself?

You must have the work done by a trained installer. This is because installation by non-trained installers could lead to injuries, damage to the property, or disruption to the natural disaster repairs.

How can I find a trained installer?

Check the website of The Insulation Association of New Zealand.

Will EQC manage this for me? 

Installing new insulation is an improvement to your home, so not within EQC's area of responsibility under the EQC Act. You’ll need to manage the process – from finding a trained installer, to paying for the insulation.

Do I need a building consent?

You may need a building consent to fit insulation in walls, but it is not required for underfloors and ceilings. Ask your council if unsure.

How long does it take to install insulation? 

Installing insulation is usually quite a quick process, but it will depend on the specific job. Your installer will liaise with your repair contractor and should update you on any timing changes. 

Will all the other work in my home stop while insulation is being installed?

No – the installation work must fit around your building repairs.

My repair work hasn’t begun, but there is a costed scope of works. Will I be able to install insulation with my repair?

Yes, provided you can get the insulation install organised in time.

Does the government’s insulation subsidy apply to this work?

There are no government grants or funding for insulating difficult-to-access spaces, including walls. 

What type of insulation should I use?

Most insulation products are specifically designed for either walls, ceilings, or floors. It’s important to choose the right type of product. Talk to your insulation installer.

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