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Land claims

Damage to land under and around a deck at a Canterbury property.


The series of earthquakes Canterbury experienced, starting in September 2010, caused several types of land damage.

Some types of damage are easily seen by looking at the land, such as cracking and undulation. These types of damage are known as visible land damage.

Other types of land damage are more complex and cannot easily be seen. These types of damage are Increased Flooding Vulnerability (IFV) and Increased Liquefaction Vulnerability (ILV). It is the first time anywhere in the world that these types of land damage have been recognised as insured damage.

Some land claims are more complex because they involve retaining walls, bridges and culverts, or because the ownership of the land is shared (e.g. under cross-leases).

How to request a review of your land settlement

Customers who receive their land settlement pack can ask EQC to review its decisions on whether the insured land has damage, the settlement amount paid and/or the basis of the settlement. For more information visit the How to request a review of your land settlement section.

EQCover for land

If your house is insured, EQC generally also insures a defined area of your residential land. In the ‘What we do’ section of this website you can find out what land is and isn’t covered

Other issues

Shared land – this refers to land claims where the ownership of the land needs to be established before a settlement can be made, e.g. under a cross-lease. This can cause delays in settling the land claim. You can find out more on the Shared land page.

Potentially contaminated land –some landowners were contacted by Environment Canterbury to advise them that their soil may have been contaminated by previous industrial use. In some situations EQC will fund certain costs associated with a land repair of the earthquake damage. You can get information from the Potentially contaminated land page and the ECAN website

Technical categories – the assessment of your land damage claim by EQC is a process separate from the decision that was made on the technical category of your property, e.g. TC1, TC2, TC3. These technical categories were established by the Department of Building and Housing (now part of the Ministry of Business, Innovation and Employment). You can get more information about the technical categories and what they mean from the Ministry of Business, Innovation and Employment website


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