Your claim

In order for Southern Response and / or EQC to assist you with any earthquake damage, you first need to report your damage, ie notify your claim.

All claims should be notified to EQC in the first instance and a new claim should be made for any new or additional damage resulting from new earthquake events.

For any damage that occurred prior to the sale of AMI to IAG (5 April 2012) lodge your claim with Southern Response for the following:

  1. Temporary accommodation (not covered by EQC).

  2. New damage to areas of your house, items of contents, or other property not insured by EQC (out of scope). 

  3. New significant damage to your house that may exceed the maximum amount(s) EQC will pay (over cap). 

  4. Loss of rent, if you had lost rent cover at the time of the event which caused the damage and the house is unfit to live in (not covered by EQC).

  • EQC claims deadlines  

    You have three months from the date of the earthquake event which caused the damage to notify your claim to EQC. However, you are encouraged to notify any claim as soon as possible. Visit www.eqc.govt.nz  for deadlines.

  • Excess 

    An excess is the amount you contribute towards each claim. Depending on the number of claims you have for damage, you may be required to pay one or more excesses to EQC and Southern Response.

    If you have claims managed by Southern Response for damage caused to both your house and contents by one earthquake, you will only be asked by Southern Response to contribute one excess. (It will be the higher of the two excesses payable under the policies in place at the time of the earthquake event.) Please check the applicable AMI policy schedule(s) for your excess details.

  • Detailed Repair / Rebuild Analysis (DRA) 

    For 'over cap' house claims that Southern Response is responsible for and managing, a DRA is completed to document the full extent of the damage. The DRA is the basis for determining if your house is economic to repair and any specifications of what a repair or rebuild may include.

  • Repairable vs. Beyond Economic Repair 

    A detailed Repair / Rebuild Analysis (DRA) is completed for Southern Response to document the full extent of the damage. The DRA also determines the cost to repair (or rebuild) your house within the cover provided by your AMI insurance policy in place at the time of the earthquake event(s).

    Note: If EQC assesses the damage to your house as exceeding the maximum amount they will pay for a single earthquake event, this does not automatically mean your house is beyond economic repair. It simply means the estimated cost is higher than EQC's maximum payout for that event and your claim will be the responsibility and managed by Southern Response, not EQC.

  • Co-ordinated land remediation 

    A significant factor that may impact the timing of any repair or rebuild is whether any land remediation is required on your site and / or in your area. Southern Response is working closely with CERA, EQC and your local authority as they determine the scope and timing of any required land remediation work.

    Please note that land is insured by EQC and they are responsible for managing that work including the timetable for its completion. Southern Response is not responsible for land damage.

  • Vulnerability 

    What does Southern Response take into account when considering vulnerability?

     

    Vulnerability is considered on a case-by-case basis, taking into account age, health and the habitability of your house.  If you have vulnerability concerns you wish to discuss with us, please contact your Southern Response pod.