You can on your own authority get emergency repairs done e.g. to secure a property or fix damaged services such as water and electricity. This has been extended to include reasonable permanent roof repairs (including replacement of tiles, rebedding and capping tiles, and refastening of iron sheets) up to a cost of $2,000. In these cases, you (the claimant) should forward the invoice or invoices for the work to EQC (P O Box 311, Wellington) along with your claim number if you know it, the name you lodged the claim under, the damage address, and, preferably, photos of the damage.
The settlement amount for your contents damage will be paid directly to you. This will be done after an assessor has visited or after you have supplied the information requested when your claim was lodged. The target is to have all these claims settled by 28 February.
Non-structural damage to houses (less than $10,000 + GST)
If your claim is for non-structural damage to your house and will cost in the region of $10,000 or less to repair, the settlement amount will be paid to you. Again the target is to have all these claims settled by 28 February. If your claim includes chimney damage (in the region of $10,000 or less to repair) then your claim will be passed onto the Energy Efficiency and Conservation Authority (EECA) as part of the Chimney Replacement Programme. http://www.eeca.govt.nz/eeca-programmes-and-funding/programmes/chimney-replacement
House damage (approx. $10,000 - $100,000 + GST) and no damage to land
Fletcher Construction has been appointed by EQC to set up a project management office to manage repairs to the houses in this category. Following assessment of your property, your loss adjuster will let you know whether the damage to your house can be repaired for between approximately $10,000 and $100,000 and therefore can be managed by the project management office. The project management team will prioritise your claim and contact you about organising the repair. However, with 50,000 repairs to manage, it may be some months before you are contacted. There is no cost for choosing the Fletcher Construction repair management service and you can have confidence in its rigorous quality control systems. You have the option to organise your own repairs, but you will have to ensure your repairs meet all required building and construction standards. Payment will be made once EQC has received receipts and code compliance certificates for the work undertaken. You will also be obliged to cover any cost overruns yourself.
House damage (over $100,000 + GST) and no damage to land
The settlement for your house will be paid to your mortgagee, if you have a mortgage. If you don’t have a mortgage, we will pay the settlement to you. Following payment your insurer will contact you about compensation over EQC’s limit.
Damage to land
Almost all land damaged by the quake will be repaired. While initial geotechnical assessments have been completed, more detailed assessment of land damage will be needed before a co-ordinated repair plan for the region, including services, land and homes, can be developed.
Damage to land with house damage of less than $100,000 + GST The claim for damage to your house will be sent to the Fletcher Construction Project Management Office and they will contact you about the repair process. It is important to remember that you may not be able to start repairs on your house until the land is repaired.
Damage to land with house damage over $100,000 + GST The settlement for your house will be paid to your mortgagee, if you have a mortgage. If you don’t have a mortgage, we will pay the settlement to you. Following payment your insurer will contact you about compensation over EQC’s limit. Again, it is important to remember that you may not be able to start repairs or rebuilding until the land is repaired.
image thanks to the press.co.nz