What we do
In this section you can learn more about our research, education, insurance and fund management roles.
Insurance and claims
Resilience and research
Research and resilience
Ways to make your home stronger and safer in the event of a natural disaster.
EQCover can help get you back on your feet after a natural disaster
What you're covered for
EQCover applies to several types of natural hazard damage
Natural Disaster Fund
Find out what the Natural Disaster Fund is used for and how it's invested
Our research programme is a core part of our Resilience Strategy for Natural Hazard Risk Reduction and is part of our function under the Earthquake Commission Act 1993.
Our role in a natural disaster
We’re implementing a purchase order system
Natural disaster insurance
EQCover insurance overview
Natural Disaster Response Model
Natural disaster response model page
Make or manage an EQCover claim
Many new EQCover claims can be managed by your private insurer. This page provides more information.
Requesting claim information
If you want information about the history of a claim, find out more here
Process for managing EQCover claims
Making urgent repairs
Making urgent repairs
Projects on the go, how to apply for funding, search for research results
Data and modelling
Major data and loss modelling projects
Risk reduction and resilience
How we work to reduce risk and build resilience
Creating an Aotearoa New Zealand that is better informed about our natural hazards and more prepared for their impacts.
Making your home safer for natural hazards
Features to look for in a property
Building and renovating
Make your investment last
Apartments and shared property
What to think about and how to prepare
Ways to make your rental home safer
Ways to protect your investment
Natural hazards where you live
Know what hazards could affect the area you live in
Useful information to help you prepare
Section 72 notifications on a Certificate of Title ›
When a building consent is requested to build a dwelling or structure on a property, the local authority is required to consider if the work will create or make worse a natural hazard on a property.
The Building Act states a building consent authority must refuse a building consent if the land on which the building work is to be carried out is subject to one or more natural hazards, or the building work is likely to accelerate, worsen or result in a natural hazard on that land or any other property.
However the consent can be issued if adequate provision has or will be made to protect land from natural hazard damage.
The building consent is therefore issued pursuant to Section 72 of the Building Act 2004(external link).
Section 72 states that the consent authority must issue a building consent if it considers the building work will not cause or make worse a natural hazard on the property. However this is a conditional consent as a natural hazard has been identified.
This is what is shown on the Certificate of Title.
The Building Act allows a council to grant a conditional building consent, in some circumstances, where the land on which the building work is to be carried out is subject (or likely to be subject) to one or more identified natural hazards.
A Section 74 notification (or ‘entry’) is added to the Certificate of Title by the Registrar-General of Land whenever the council has granted a conditional building consent.
The notification alerts prospective purchasers and others with an interest in the property – such as lenders and insurers – that the land is subject to a natural hazard, and specifies what the natural hazard (or hazards) are.
In the past, similar provisions were in effect under Section 36(2) of the Building Act 1991 (now superseded) and Section 641A of the Local Government Act 1974(external link) (also superseded). These still appear on some land titles and have the same effect as a section 72 notification, although notifications under these superseded provisions will not always identify the natural hazard concerned.
Please note that EQC has no input into the issuing of a section 72 notice and cannot request a notice be removed.
Section 73 of the Building Act makes it a requirement that the consenting authority must notify the Registrar-General of Land that the property is subject to a natural hazard and a conditional consent has been issued.
Section 74 describes the steps the Surveyor-General (Land Information New Zealand) must take when receiving notification from the consenting authority.
If your property has a Section 72 or 74 notification on its land title (or a similar entry under Section 36(2) of the Building Act 1991 or Section 641A of the Local Government Act 1974) and you put in a claim for damage that is caused by the type of natural hazard (or hazards) that caused the entry to be made, EQC has the discretion to:
(This provision is set out in Clause 3(d) of Schedule 3 of the Earthquake Commission Act(external link).)
In making a determination, EQC will look at the particular circumstances of your property, the details of the notification and your claim.
Of course, if the claim is related to damage from a natural disaster of a different type from that which caused the entry to be made, EQC’s normal processes apply and EQC may meet the claim in full.
If you have a section 72 to 75 entry on your Certificate of Title and would like to find out how it may affect your EQCover:
It’s very important to make sure that your private insurer is aware that there is a Section 72, 73 or 74 notification on your Certificate of Title.
Talk to them about whether this could affect your insurance cover.
There’s more information about this on the Insurance Council website.(external link)
The implications of section 74 notices on your property title(external link)
Ask your solicitor to find out whether there is a Section 72 to 74 notification on the property’s Certificate of Title.
LandOnline(external link) is an online tool that you can use to see if there are any entries on a Certificate of Title.