With the shake up of Ministers in the new government, CERA and other recovery agencies had to write a few briefing papers (linked below). Ministers who are charged with making decisions will be pretty confident that things are on track and Canterbury residents who are making progress and celebrating the tangible signs of revitalisation could take a lot of confidence from the briefings as well.
Unfortunately, as an organisation which works for people largely still struggling through their earthquake insurance settlements, we have to read the briefings through a different lens. We have to look for evidence that the authors of the briefings have acknowledged the people we serve and have plans in place to support them as part of the overall recovery. We say ‘unfortunately’ because we never come away with quite the same sense of confidence.
There are a few comments within the many briefings that cause us some adverse reaction (which can vary from utter frustration, to cynicism, to head shaking concern):
- “The process is now shifting from short-term disaster response to a longer term set of challenges and opportunities.”
- “Services are in place to support residents who are experiencing difficulties dealing with their insurance and housing issues.”
- “… high levels of stress remain stable at 22%…”
- “There remain a number of complex and often discrete unresolved initial recovery issues, primarily relating to the residential repair and rebuild.”
The comments that leave us with the most questions are:
- “Many of these issues are likely to resolve themselves – over time – without further intervention by central government beyond the current insurance, housing, psychosocial and health support programmes.”
- “A more effective route for central government intervention is to maintain close oversight of progress and use government’s influence and facilitation to ensure insurers achieve and maintain the fastest possible pace, while also monitoring for emerging barriers and opportunities to facilitate faster resolution of claims …”
Over the past 12 months, CanCERN has been concerned that the focus for many recovery groups (CERA included) has moved to the longer term, and the target population being considered is all of Canterbury with subsets of those who are most vulnerable. This isn’t a bad thing but if there is little focus on those who are doing it exceptionally hard here and now, we have a problem.
So if we focus on CERA as the overall coordinating body of the earthquake recovery, what are the current plans and programmes of support they mention above? How do they address the very specific and immediate needs of the stuck residents? Do those plans reflect their understanding of the fact that this is a newly vulnerable group, and one not likely to need the same services and delivery of more traditionally vulnerable groups? Is it enough? And what are they referring to when they talk of using government’s influence and facilitation? How are they monitoring for emerging barriers and opportunities?
It is now well documented that those who are still dealing with the insurance settlement issues are struggling. It is well known what many of the issues are. It is also well discussed within many, many meetings we attend what some positive solutions would look like. What is missing is the necessary level of commitment, capacity and leadership to implement those solutions. The Residential Advisory Service (RAS) does a great job, but is it enough?
This is what CanCERN is continuing to advocate for. Maybe 2015 is the year we can really focus on supporting the stuck residents; getting them through well, one starfish at a time.
One comment that does give us cause for hope is:
“The initial recovery phase will not be fully complete until these remaining stressors, which are disproportionally affecting a significant number of people … are lifted.”
We hope this means that the recovery agencies will not entirely move out of the initial recovery stage. We hope this means they will actually engage in planning and resourcing for this group instead of waiting for the “issues to resolve themselves – over time”. We hope that they will see who those people are and be brave enough to step outside of the ‘business as usual’ and ‘silo’ way of doing things. We hope they will commit to getting the last starfish through.
And if that is all too hard, we just hope they will enable the very few organisations still working specifically in the stuck space to do the job properly.
We acknowledge that pulling lines out of big documents is never the most robust way to make a point. Feel free to read the documents linked below in their entirety.
- Greater Christchurch Recovery – Briefing to incoming Ministers 2014
- Briefing for the incoming Minister – October 2014
- Briefing for the incoming Associate Minister for Canterbury Earthquake Recovery – May 2014
Declaratory Judgement decisions released
The High Court released its Declaratory Judgement decision on Wednesday and it seems there are positives and negatives for all parties involved.
Here are a few key points:
- Where homeowners intend to repair their land, EQC will either remediate it or pay out the cost of remediation. Where homeowners don’t intend to repair their land, EQC will offer compensation based on the loss of value to the land.
- The court says EQC should have a policy for settling land claims, but it didn’t go so far as approving it as lawful. This means it is still open for homeowners to challenge the detail of the policy itself, e.g. how it measures flood vulnerability, or how it calculates compensation.
- EQC can be sued like an ordinary insurer. This means that it must act as if the EQC Act were an insurance policy and it must be followed strictly. EQC must not only act reasonably, it must act correctly.
- If a house has subsided with the land, this is counted as land damage (rather than building damage) and EQC (rather than insurers) may compensate.
Lane Neave lawyers, who represented the Flockton Cluster Group, have written an excellent summary (see below). The full judgement and other summaries and media releases are also listed below.
Flockton Cluster Group spokesperson, Jo Byrne also explains how residents in the area have received the ruling in TVNZ’s Breakfast interview this morning. Watch it here.
We will be keeping a watchful eye on how things roll out over the next few months and trying to ensure that affected residents have access to good information to best understand their options. If you have any burning questions related to the Declaratory Judgement ruling and what it all means, email marcus@cancern.org.nz and we will try to get further clarity.
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Where are things at? (insurance stats)
The Insurance Council recently presented this slide show at an event focusing on the residential rebuild. It’s not very long, so please check out the whole thing, but there are a couple of slides in particular that we think will be of interest to residents.
The first slide below shows just where all insurer-managed repairs and rebuilds are in the pipeline. About a quarter have been completed and nearly half are still at the pricing/design stage. Bear in mind, this excludes people who have yet to receive or accept an offer from their insurer.
Below is a bit more information on where shared property progress is at. The biggest hold up is at the concept plans and agreement stage, which highlights the complexity involved when working with multiple owners.

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Covered – EQC answers residents’ questions
The final Covered episode for the year came out this week and it features EQC and ACS Claims (formerly Ansvar Insurance). Of particular interest is segment one where EQC responds to residents’ questions.
If you have any feedback about the programme, please email marcus@cancern.org.nz. The episodes need to be helpful for residents, and if they’re not, the producers need to know. We’re also providing our own feedback about what we think is good and what could be done better.
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Insurance and Savings Ombudsman – media release
Complaints January – November 2014
We have received 279 complaints. The majority of these related to general insurance (65%). Although we find in favour of the Participants in many complaints (68%), we resolve a number of complaints by agreement between the parties (20%). See this document for more details.
Complaint Enquiries January – November 2014
Complaint enquiries are any questions your customers raise with the ISO Scheme before making a formal complaint. We provide information and guidance, and a large number of issues are resolved at this point. This service, which is entirely free of charge, helps to prevent the escalation of issues into complaints against your organisation, saving you time and money.
Of the 2,528 complaint enquiries, the majority related to general insurance (71%). A number were outside of our jurisdiction, as the issue related to: someone else’s provider (8%); premiums, pricing, or other commercial decisions (7%); or it was about a provider who was not an ISO Scheme Participant (10%). See this document for more details.
Canterbury Earthquakes
The most common Canterbury earthquakes issues raised with the ISO Scheme were: valuations, or repair or rebuild costs, or scope of works (16%); issues with out of scope items such as driveways, fences and walls (11%); issues with EQC of which 10% were outside ISO Scheme’s jurisdiction); and temporary accommodation (9%). See this document for more details.
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Low emission log burner approved – finally!
It’s been a while coming, but finally Ecan has approved a low emission log burner that will be sold in New Zealand. If you’re building a new home or replacing a log burner, there’s now an option, although it’s not quite the same as your conventional fire.
Check it out here.
See the media release below for more details.
ECAN MEDIA RELEASE – DECEMBER 2014
First ultra-low emission burner authorised for sale
We’re thrilled that Jayline has succeeded in delivering the first ultra-low emission burner to the market and set a new standard for wood burning technology in Canterbury.
We anticipate that this will be the first of a new standard of wood burning technology that we hope will assist Canterbury towns and cities to achieve cleaner, healthier air.
The Jayline Walltherm has been authorised by Environment Canterbury as meeting the criteria for an ultra-low emission wood burner under the Canterbury Air Plan. This will enable these wood burners to be installed into existing homes across Canterbury.
We all know that staying warm over the cold winter months is a priority for Canterbury families.
While the majority of us (around 80%) use electricity for home heating we’re aware many people would like to continue using wood burners as their preferred home heating source.
Our science shows that home heating is responsible for around 80% of air pollution in some Canterbury towns with the worst air quality. To enable more people to have wood burners in their homes (including into new houses) while still reducing emissions overall, we have been encouraging industry to work towards the development of ultra-low emissions wood burners.
These appliances will require a resource consent (which is being sought in early 2015) to be installed into new houses and new situations within Christchurch, Rangiora and Kaiapoi Clean Air Zones 1.
The Jayline Walltherm
This German designed appliance is a gasification fire with dual burn chambers. The upper operates the same as a traditional wood fire with secondary chamber below for the gasification process.
The unit has a convection fan to cool the fire box and evenly distribute the heat throughout the room. During a power cut the fire can safely burn for up to five days without power.
The Walltherm will be available around February next year from selected heating specialists.
For more information visit http://www.jayline.co.
What is an ULEB?
Every new domestic burner in New Zealand has to be tested independently to provide verification that the burner meets the required emissions and efficiency standard under national standards.
In Canterbury, an ultra-low emitting burner is one that would emit very low levels of pollution (less than 0.5 grams of particulate per kilogram of fuel burned) when operated under real life conditions.
Real life conditions are defined as including the full burn cycle, tested using wood that is commercially available and including hardwood, softwood and partially seasoned wood, and is operated in a way reflecting normal operating conditions.
For more information contact: ecinfo@ecan.govt.nz or phone 0800 324 636
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Evan Smith wins civic award
Evan Smith (second from left) with his friends and family.
Evan Smith has won a civic award for services to community engagement. Evan was the instigator of the Riverside Residents Association, and is a founding member of CanCERN. He is co-chair of the Avon-Ōtākaro Network, and is a member of the steering group of Eastern Vision, who are working to transform the eastern suburbs into an area of social, economic and cultural prosperity.
From all the CanCERN team, congratulations Evan!
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Fundraiser for quake survivor’s prosthetic
We got an email this week asking us to spread the word about a Give A Little campaign for Stacey Herbert. Stacey had to have her legs amputated above the knee after they were crushed in the Press building during the February 2011 quake.
At the moment, she’s wheelchair bound because there aren’t prosthetics available in New Zealand that enable her to walk. She needs to raise about $150,000 for computerised legs, known as C-legs, from the Hanger prosthetic limbs clinic in the United States – these are often used for soldier’s who have lost limbs. If she was able to raise this money, Stacey would be able to walk again and live a fairly normal life.
More than $22,000 has been raised so far, but there’s a way to go, so please spread the word and consider donating. Plenty of organisations have made contributions – you can see who they are under the ‘donors’ section on the link below.
>> Check out Stacey’s fundraiser here <<
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Summer of Fun
Summer of Fun is a series of free community events that brings communities and families together to enjoy summer in the city and outlying areas – and it’s returned this summer until the end of March. At over 60 community-led events you’ll find all the elements of a great Kiwi summer right there in your local community – bouncy castles, sausage sizzles, face painting, picnics, sports and more. It’s about getting involved and having fun with your family, your friends and others in your community. Keep an eye on bethere.co.nz and facebook.com/choicechch for event updates.
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