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Building claims

The information provided on this webpage is specific to the Canterbury events and in accordance with the detailed provisions of the Earthquake Commission (EQC) Act 1993 current at the time.

During the period of the Canterbury earthquakes, EQC covered earthquake related damages up to $100,000 (+GST) per earthquake claim.

If you have concerns about the quality of repairs or damage included in your repair strategy please visit our Claim Review page.

Your EQC Settlement

If you would like to discuss your EQC settlement, you will be referred to a claim manager to talk you through the process and what options may be available to you.

More on settlements
  • Cash settlement: EQC will pay you the amount to repair the EQ damages based on the EQC assessment. You will then need to engage a builder of your choice to repair the EQ damages to your home. Find out more about managing your home repair.
  • EQC manages the repair: EQC will organise in partnership with you, for the EQ damages to be repaired through a builder.
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An excess is the amount you contribute towards a claim that is accepted by EQC. The amount of the excess is calculated from the amount of your claim.

More on excess

Your claim manager will talk to you about the amount of excess you may need to pay for your claim.

If your approved claim is for $20,000 or less, EQC will deduct an excess of $200 and pay the rest. If your approved claim is for more than $20,000, EQC will pay 99% of it, deducting an excess of 1%.

Find out more about excess here.

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If your home has suffered damage from more than one earthquake event, EQC has to determine how much damage was caused by each individual quake. This process is called apportionment.

More on apportionment

View this Apportionment factsheet to learn more about apportionment and what it means for the settlement of EQC claims for damage to your home.

It covers:

  • What is apportionment?
  • Why is apportionment necessary?
  • How is my claim affected by apportionment?
  • How does EQC know which event caused what damage?
  • and other relevant questions.

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