“May loving memories ease the pain of your heart.”
Two years on from the February earthquake and we will all be riding a wave of thoughts and emotions today. No matter where we are at as individuals two years on, we have all shared the collective shock that this quake happened in our town. But the pain we have felt at times since this devastating quake is a very individual one and the way we choose to spend this day is also an individual one.
Whatever you find yourself doing today, we hope loving memories of old play a part in making your day gentle. A full list of Commemorative Events is below.
(Photo by Lucy Macilquhan)
Brian and Leanne
The Pace of Recovery
Wednesday’s edition of the Miami Herald has an interesting article on the slow pace of recovery in Christchurch, the extent of the struggle people face from bureaucracies, and especially the bottleneck caused by insurance companies.
The article also looks at the paradox of how recovery can be slow in rich countries and fast in poorer ones. The article is here./************ get tags and categories ****************/ ?>
CanCERN’s Recycle, Re-use, Relocate Project (R.R.R)
Avondale School gets a Hot-house for the Student Garden
A big thanks to Arrow International and Soper Salvage for making this happen.
(R.R.R) is now underway – This means that if you are a community group or organisation you can access recycled materials from the Residential Red Zone through the simple process.
If you are a community group or organisation and want to request items, please fill in the online form:
www.cancern.org.nz → “supporting a community” → R.R.R → fill out the on-line form
If you want to know more about our next steps or are interested in being part of a community salvage team click here.
If you can help with larger storage – land big enough for a football sized shed or an empty football sized shed, please also click here or email email@example.com/************ get tags and categories ****************/ ?>
Out of Scope Assessments
A question was asked about the timeframes for Southern Response assessing driveways, pools, etc. The response is below:
Where a customer has both out of scope (drives, fences paths etc) damage and house repairs/rebuild, these are both dealt with at the same time. Where the customer does not have an over cap claim, but does have out of scope damage, this will be assessed by our out of scope team.
We are assessing our 23,000 out of scope claims on a suburb by suburb basis starting in the north and south; working from west to east. We expect to finish all assessments by the middle of next year and to finish all construction by the middle of the following year. Customers who do not want to wait for repairs to be done may be offered a cash settlement.
Cash settlements can only be offered where an assessment has been done. If no assessment has been done since February 2011 but there was an assessment after the September 2010 earthquake, we may be able to use that information to help us decide the level of cash settlement that can now be offered.
In TC3 land category areas we can assess out of scope damage but are limited to offering our customers a cash settlement until EQC has settled or repaired damaged land./************ get tags and categories ****************/ ?>
CERA Community Wellbeing Survey
The release of this has been the start of a few conversations over the last few days. The summary and full report can be found here. If you’d like to read a different kind of summary thinking, check out Lawrence’s blog here. Lawrence raises some pertinent points./************ get tags and categories ****************/ ?>
EQC Customer Satisfaction Survey Results
Download and read the quarterly customer satisfaction reports and summary here – April 2011 – September 2012. http://www.google.com/url?q=http%3A%2F%2Fwww.eqc.govt.nz%2Fabout-eqc%2Fpublications%2Fcustomer-satisfaction&sa=D&sntz=1&usg=AFQjCNGMEgVoelQZV2CuuXmdvftqYO6SzA
As with the CERA Wellbeing Survey, Lawrence also raises some great points when summarising these results. You can read that here
EQC Increased Risk Land Damage Fact Sheet
This factsheet here was released in January 2013 but I think we may have missed it. Apologies if we have had it in before. The information in it is an important read for us to have a clear picture of what land damage is being defined as./************ get tags and categories ****************/ ?>
EQC – What to do with your land damage payout – 19 Feb 2013
EQC strongly advises customers who have received a cash settlement for land damage to use that money to have their land remediated (‘repaired’/reinstated).
Of course, in some land damage situations, remediation is impractical (eg, where land is lost over a cliff).
However, for customers whose land can be remediated, it’s very important to use the cash settlement to get that work done – for the following reasons:
- Some repairs may be necessary to make your home safe (eg, to retaining walls that support or protect your home).
- If you don’t make repairs, your future insurance cover with EQC or a private insurer may be affected. (In some circumstances, EQC can withhold cover until work is done or decline to pay a claim: Read about section 28 ‘limitation’ notices.)
- It may be difficult to sell your property in the future if the work hasn’t been done.
If you have a mortgage, the EQC payout for land damage will go directly to your bank (or mortgagee) – rather than to you. Your bank or mortgagee may require you to use the settlement to make repairs.
Find out more
Section 28 ‘limitation’ notices http://www.google.com/url?q=http%3A%2F%2Fwww.eqc.govt.nz%2Fwhat-we-do%2Fnotifications%2Fsection-28-limitation-notices&sa=D&sntz=1&usg=AFQjCNFoRKVzi6YGaRKNwlIJEHrxYgKCEA
The article in The Press Cash Settlement Preferred for Land – 19.2.13 http://www.google.com/url?q=http%3A%2F%2Fwww.eqc.govt.nz%2Fwhat-we-do%2Fnotifications%2Fsection-28-limitation-notices&sa=D&sntz=1&usg=AFQjCNFoRKVzi6YGaRKNwlIJEHrxYgKCEA is all part of the trickle out of information to prepare homeowners expectations regarding land settlements. The contradicting information between EQC and insurers is not unexpected, not helpful and definitely an area for some real leadership so that homeowners have one true understanding of what the land settlement is for and whether or not they actually need to do anything to their land before the home they live in is repaired or rebuilt./************ get tags and categories ****************/ ?>
Southern Response Customer Meetings Follow up
The video of the meeting can be found here http://www.google.com/url?q=http%3A%2F%2Fwww.southernresponse.co.nz%2Fnews%2Ffebruary-2013-customer-meeting%2F&sa=D&sntz=1&usg=AFQjCNHdVja9cOWd8zEmpU8Hr1ihxAeRkw. They will also be putting the responses to questions asked at the meeting and an expanded version of the foundation options video we showed at the customer meetings as soon as it is available.
Comments below from Peter Rose, Southern Response CE are hopefully a sign that these meetings are as beneficial for the insurer as they are for the resident.
“We have taken the two-way exchange very seriously. I will be following up on a number of issues that were raised, including a request for greater flexibility around temporary accommodation, reviewing the wording of our build contract, better communications and some issues around the availability of geotech information. Any developments in these areas will be reported here on the website.”
Southern response have also added FAQs http://www.southernresponse.co.nz/new-faqs/house-claims-overview-faqs//************ get tags and categories ****************/ ?>
More on the new “sum assured” house insurance policies
Diana Clements, writing in the New Zealand Herald today (), has an article about the future of property insurance as companies go along the Sum Assured or Fixed Sum route. This is the future for all of us, and has very serious implications for everyone with a house insurance policy. The article is an important read as preparation for when you have to renew your insurance policy during the year.
A few points not evident in the article:
- there is no clarity yet about what the technical terms in the new policies will mean. There may be a wide difference between insurer and policy holder as to what the policy document will mean in practice. An ideal scenario for a plain English policy document approach.
- there is no certainty that insurance companies will accept the value of the agreed sum should the property be damaged or destroyed. Christchurch’s post-earthquake experience shows that some insurers will endeavour to find points to re-interpret or dispute, to reduce the cost of the pay-outs they have to make.
- there is no certainty that the new policies will give claimants sufficient rights to protect their interests should a dispute arise.
- the article discusses the role of the Insurance and Savings Ombudsman in neutral and uncritical terms, missing the point that the ISO has been relatively ineffective in the Christchurch situation.
There are two previous post on this form of insurance, for AA insurance here, and IAG plus VERO her/************ get tags and categories ****************/ ?>
Ribraft Foundation Technology for TC3
There’s a space on this website to ask questions so if you want any reassurance about this new technology, this is probably the best place to ask it. Firth Rebuild Right with RibRaft TC3/************ get tags and categories ****************/ ?>
Tower Insurance Meeting
We met yesterday with David Ashe, Earthquake Recovery Manager, for a general update. Tower is preparing a progress report which will go online soon and is set to be updated monthly. It will be interesting to see how in depth the information is as Tower tends to make assumptions about what is helpful information and it doesn’t always marry up with the policy holders idea of what information they would like to see. I’m sure feedback when this goes live will be appreciated.
We also discussed the lack of communication policy holders have consistently complained about. Tower don’t believe the generic information adds much and are committed to their case management speaking directly to customers. David was slightly miffed at the claim that customers believe they are not having calls returned and has agreed to follow up if necessary. According to their procedures, case managers should be contacting their customers every 4-6 weeks by phone and should return any calls from customers within 24 hours. If this is consistently not your experience, please flick me an email with your name and address and I will pass it onto David to follow up.
Tower at this stage does not intend to go down the Deed of Assignment route with regard to land settlements and don’t believe this will hold things up substantially for most. There will however be some with very complex land situations who will still be waiting for clarity.
Cash settlements for the house claim are common place within Tower and many have chosen this option. They are still having claims come in at a rate of approximately 50 per week. These are a mixture of out of scope claims, ??? and claims being slowly handed over from EQC as overcap./************ get tags and categories ****************/ ?>