Liquefaction under the house - Who covers it? Sort it out EQC

Posted 22 Jun 2011 by benyoung Popular

So we are in the same boat as i imagine a lot of people and i am wondering if anyone has had the same experience as we have. Sorry to use this to get this message across but hopefully my experience will help others by saving them hours on the phone.

UPDATE - PART 3 HERE

Update - Part 4 here

In short

  1. After Feb 22nd Floor void under our house (which is on piles) was around 60% full with liquefaction
  2. Logged claim with EQC and sent numerous emails and phone calls but never heard back if anyone covered it
  3. After June 13th the floor void is now 90+% full, one more decent shake and it will come up through the floor boards into the house
  4. Another claim logged with EQC and we told them the above - they said we would be put on the emergency list for fletchers to come get it removed and that we would hear within a week
  5. No call came, we followed up - the person at EQC said nothing had been logged through to fletchers. Sigh.
  6. We then got told that EQC do not cover it, got put through to Govt Helpline
  7. Govt Helpline said ask the council
  8. Council said EQC should do it but ask your insurance company
  9. Insurance company said EQC definately do it
  10. Called back EQC who put it on their review list and we would hear back in 24 hours
  11. Again no call or email
  12. Ring EQC again to ask what is going on and get told its not covered at all, talk to your insurance company, frustration sets in and gets escalated within EQC
  13. EQC said within a week we will receive a formal letter from them saying they dont cover it for use with our insurance company - told them we need it sooner (remember point 3)
  14. Ring insurance company to give them the heads up, they escalate it higher within their business to find out who actually should cover this

So thats where we are at - a very frustraing process and a complete waste of everyone's time We cannot be the only ones in this boat.

Not only is is making everything damp (luckily we have a DVS we can run on full to help inside the house) but chances are it is rotting the underlay and potentiall the floor boards if left there for long enough.

Summary

I know EQC are understaffed and very busy but if you tell people you are going to get back to them, atleast make your schedule realistic.

As i mentioned - i dont want to move from our house and i dont want to have to go back to EQC and go "i told you so", if it did come in the house it would not only cost EQC more but would likely push it over the 100k.

If you know anyone that has had liquefaction removed from their house i would love to hear how it was removed and who removed it and more importantly who paid for it!

If you have any info use the contact form or send me an email on ben@rebuildchristchurch.co.nz

Thank you!

P.s for anyone else interested in my findings i will post a followup to this when i know more.

Discussion

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