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Contents 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.

Many of the outstanding contents claims for the Canterbury events are in relation to homes that have or are to be demolished due to the severity of the damage caused by the earthquakes. These claims are usually for carpets and drapes.

The information on this page relates to majority of the outstanding contents claims in Canterbury; carpets and drapes. You can find general information on our Contents claims page

Carpets and Drapes 

Some homes suffered significant damage where the carpets and drapes need to be repaired or replaced. If your private insurer covers carpets and drapes under a contents policy, then EQC will treat carpets and drapes as part of a “personal property” (contents) claim.

If your private insurer covers carpets and drapes under a dwelling policy, then EQC will treat carpets and drapes as part of a “residential building” (house/dwelling) claim.

You can find out how to claim for your carpets and drapes here.

In February 2019 the EQC Act changed. Find out about the changes on our Act changes page.

Question and answers

Will EQC accept my claim for damaged items?

Due to the length of time since the Canterbury earthquakes, majority of the claims for damaged items has been received and settled. 

We recommend you contact us to speak to one of our team about your concerns.

What if my carpets and drapes are damaged during the repair of EQ damages?

EQCover is for damages as a direct result of the earthquake. This does not include consequential loss due to repair.

How much will EQC pay for carpets and drapes?

Where a site measured quote is provided, EQC will pay the quoted will be taken into consideration during the review process. Your claim manager will discuss the amount with you which will take into consideration previous settlements and the EQC cap for contents.

Where there is no appropriate quote provided. The following will be applied;

  • carpet payments will be calculated at $80 per square metre
  • window coverings replacement will be calculated at a total of $500 per window (not per window covering).

In cases where the entire home is being replaced, EQC will calculate that 85% of the home is carpeted, and that there is one window per 9.3 square metres. Your claim manager will discuss the amount with you which will take into consideration previous settlements and the EQC Cap for contents.

What do I need to provide?

We recommend you contact us to speak to one of our team about your concerns. Our team can talk you through the process. Alternatively, visit our Claim Review page for more information.

 

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