Recent weather events have left a trail of destruction in their wake, affecting lives and properties. We understand the stress and challenges, and are here to help you navigate the cleanup process and get your life back on track as swiftly as possible.

1. Safety First: Ensure that your property is safe to enter and work on. We strongly recommend wearing protective clothing, including gloves, a mask, safety glasses, and gumboots, to safeguard from potential hazards such as contaminated water and debris.
2. Communication Plan: Establish a family communication plan. Designate an out-of-town contact person whom all family members can call or message to check in. Teach everyone how to use text messages, as they often work when phone lines are congested.
3. Document the Damage: Document the extent of the damage meticulously. Make a detailed list of all damaged items and take numerous photos both inside and outside your house and property. These records will be invaluable when filing insurance claims and assessing the full extent of the damage. (It’s helpful to do this before an event, as it gives a good base to work from at claim time.)
4. Cleaning Up Your Land: If your land has been affected, take photos before initiating any cleanup activities. Additionally, consult with our local council to check if they offer any guidance or support for the safe removal of silt.
5. Understanding EQCover: Your insurance coverage, including Toka Tū Ake EQC and your private insurer, plays a crucial role in the recovery process. For causes of damage like landslip, both your EQC and private insurer are involved in managing your claim to ensure you receive full entitlements. Refer to your policy for more details or visit the EQC website for a comprehensive explanation.
6. Land Damage: Land cover is provided by Toka Tū Ake EQC, covering specific areas around your home and driveways. It is limited to certain causes, including landslip and storm/flood inundation. Geotechnical engineers and land valuers are often required to determine solutions. For storm/flood damage without landslip, EQCover may assist in clearing silt and debris. Ask your insurer to fully explain how your policy and EQC work together. 
7. Assistance from your insurer: If you need help with silt removal or landslip-damaged land and/or home, your insurer can assist in some cases. A cash settlement from Toka Tū Ake EQC is an option for those who can manage repairs themselves. For those who require assistance, your insurer can potentially organize silt removal, provided you agree to direct your EQCover payment to the repairer upon completion.
8. Landscaping Coverage: Some landscaping coverage is typically included in your insurance policy. You can claim this benefit if your home is damaged in the same event that affects your gardens, garden edging, and lawns. The coverage amount depends on your specific policy.
9. Handling Damaged Items: Dispose of items like carpets and contents damaged by contaminated water. Keep photographic evidence and provide details to your insurer for reimbursement. Landlords should note that carpets in tenanted properties are usually insured for indemnity value, not replacement value.
10. Spoiled Food: If your refrigerated and frozen food has spoiled, dispose of unsafe items and document their value. You may need to provide an itemized list and a quote or invoice for reimbursement.
11. Vehicle Damage: If your car has been submerged, do not attempt to drive it. Contact your insurer to arrange towing and assessment. Most submerged vehicles are considered a total loss, and the settlement process will follow accordingly.
12. Temporary Accommodation: If your home is uninhabitable due to damage check with your insurers to see if you have cover for temporary accommodation costs – your pets may be covered too. Work with your insurer to find suitable lodging options.

While the road to recovery may be long, with the right guidance and support, you can rebuild your life and property.

If you have any question and want to speak to someone to give you trusted advice, you are more than welcome to touch base with our team at C&R Insurance.