Updated: Thursday 8 December 2011
The Government has made announcements on the status of the land for a large number of properties.
The positive news is that now people have choices and can begin to work through the solution that will be best for them. TOWER is supportive of the options provided by the Government and will be working to help those affected to move forward as quickly as possible.
For land status, related information and updates on your property and the recovery strategy visit www.cera.govt.nz. The Canterbury Earthquake Recovery Authority (CERA) is the agency leading and coordinating the ongoing recovery effort following the devastating earthquakes of September 2010 and February 2011.
The greater Christchurch region has been mapped into four zones – Green, Orange, White and Red – using a number of factors, including:
To check which zone your property is in, please visit the Canterbury Earthquake Recovery Authority (CERA) website www.landcheck.org.nz and enter your address. Alternatively, you can contact the Government helpline on 0800 779 997 if you are unable to access the website.
There are about 100,000 homes in the residential green zone.
There are about 10,000 homes in the residential orange zone.
There are about 5,000 homes in the residential red zone.
We now know what is happening with the land and the Government has outlined two options for residents which will allow them to choose how they go forward, based on their individual circumstances.
These options are outlined below and also available to you on www.cera.govt.nz or by calling 0800 779 997.
The Crown will pay:
In respect of any Property that is, under its Policy:
the purchase price [may] be reduced on a pro rata basis relative to the percentage that the Property is underinsured, as determined by the private insurer who underwrites that Policy.
The Crown will pay the greater of:
The Property Owner will retain the right to claim under his or her Policy and with EQC for dwelling insurance in respect of the Property.
You should receive an offer pack from the Government in the near future. The following information outlines what TOWER’s obligations would be under option two.
|Customer Position||TOWER's Responsibility (subject to the applicable policy terms & conditions)|
|No damage||No liability|
|Damage to drives, fences, pathways and pools only||Drives, fences, pathways and pool costs only|
|Under cap - repair||Drives, fences, pathways and pool costs only|
|Over cap - repair||Drives, fences, pathways and pool costs, plus the dwelling repair costs over the cap|
|Over cap - rebuild||
Under cap - If the cost of repairing the damage to your house / rebuild does not exceed the maximum amount the EQC will pay.
Over cap - If the cost of repairing the damage to your house / rebuild exceeds the maximum amount the EQC will pay.
In the meantime we will continue to progress your claim. Although we will not be able to reinstate your property, we can still determine the cost of your claim and will continue to work through this process. The following diagram outlines this process further.
If you are in the Red Zone and wish to leave your badly damaged home, please contact us to talk about accessing any unused portion of your temporary accommodation allowance immediately.
The Crown also has temporary accommodation assistance available, so this means that people in the Red Zone have the choice not to live in substandard conditions. Visit www.quakeaccommodation.govt.nz for more information.
Earthquake Commission (EQC)
Phone 0800 DAMAGE (0800 326 243)
Phone 0800 847 015
Earthquake Government Helpline (24 hours)
Phone 0800 779 997
Healthline (24 hours)
Phone 0800 611 116
Canterbury Earthquake Recovery Authority (CERA)