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
Some Choice News!
DOC is rolling out a new tool to help figure out what to tackle first when it comes to protecting our threatened species and the things putting them at risk.
Why does this matter? As Nikki Macdonald from The Post points out, we’re a country with around 4,400 threatened species. With limited time and funding, conservation has always meant making tough calls about what gets attention first.
For the first time, DOC has put real numbers around what it would take to do everything needed to properly safeguard our unique natural environment. The new BioInvest tool shows the scale of the challenge: 310,177 actions across 28,007 sites.
Now that we can see the full picture, it brings the big question into focus: how much do we, as Kiwis, truly value protecting nature — and what are we prepared to invest to make it happen?
We hope this brings a smile!
Poll: If we want to reduce speeding, what do you think actually changes driver behaviour? 🛻🚨🚓
In the Post's article on speeding penalties, the question is asked whether speeding fines are truly about road safety, or are they just a way to boost revenue for the Crown?
What do you think? Should speeding motorists receive speeding fines or demerit points?
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38.2% The sting of a fine (Money talks!)
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61.8% The threat of demerit points (Nobody wants to lose their license!)
🎉 Riddle me this, legends! 🎉
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He/She who buys it, doesn't use it.
The user doesn't know they are using it.
What is it?
(Shezz from Ngāruawāhia kindly provided this head-scratcher ... thanks, Shezz!)
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