House Insurance In Case Of Natural Disaster
⚠️ If you do not have house insurance, you will not have cover against damage caused by a natural disaster. ⚠️
If you have home insurance with fire damage cover, you are covered for damage caused by natural hazards
If you have house insurance that includes cover against damage by fire, you will have cover for:
• your home
• buildings, such as garages
• some of the essential services, such as water, sewerage and power and
• some of your land.
Examples of natural hazards are earthquakes, tsunami, landslides and volcanic activity.
If your home and property is damaged by storms or flooding, you only have limited land cover. This means you will have to claim against your home insurance for damage to your home and other buildings.
If your house is damaged by a natural hazard you need to contact your insurer as soon as possible.
You need insurance documentation, and evidence to support your claim:
When you contact your insurer, tell them about the damage and confirm with them what documentation they need from you. For example, they will need your policy number.
Gather evidence to support your insurance claim:
• Take photos of any damage before you repair, move or remove anything, especially if you are disposing of it. Read the guidelines on taking photos as evidence:
www.naturalhazards.govt.nz...
• If you need to get urgent repairs done, talk to your insurer first to check whether your insurance policy will cover the costs. Take before and after photos, photograph anything which is being thrown away and keep a copy of the quotes and invoices for the repairs.
• Put off cleaning up at least until you have done the above (maybe wait until after the insurance assessor has visited). List and photograph the perishable items before you dispose of them. Learn about making urgent repairs and making your home safe: www.naturalhazards.govt.nz...
Info credit: Citizens Advice Bureau NZ | www.cab.org.nz...
Image credit (altered): RNZ
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Poll: Are Kiwis allergic to “exuberance”? 🥝
In The Post’s opinion piece on the developments set to open across Aotearoa in 2026, John Coop suggests that, as a nation, we’re “allergic to exuberance.”
We want to know: Are we really allergic to showing our excitement?
Is it time to lean into a more optimistic view of the place we call home? As big projects take shape and new opportunities emerge, perhaps it’s worth asking whether a little more confidence (and enthusiasm!) could do us some good.
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41.1% Yes
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33.5% Maybe?
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25.4% No
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