Repair or replacement to ‘as when new’
If you have a total replacement policy (and most people do) you are entitled to lodge a claim and the assessed loss to be repaired or replaced to “as when new” standard using today’s materials and techniques complying with Government and local Authority regulations and by laws.
The EQC act provides similar protection to your Insurance policy “as when new” Like your insurance company, EQC must repair or replace to “as when new” and cover all costs required to achieve this.
You have a right to:
- demand a consent for any proposed building works (see why a consent is important)
- have repairs meet the building code
- be supplied all information pertaining to your claim, and be treated with honesty and empathetically in good faith by your insurance company,their Project management Company(PMO eg Arrow,Hawkins,Stream and Fletchers) and their case managers
- request the names and qualifications of the people undertaking the scoping and repairing of your house
- having your repairs and /or rebuild undertaken by a Registered Master Builder or a Certified Builder who will provide a 7 or 10 year builders guarantee.
- Deferred maintenance
- Preexisting damage
- non compliant works
- Floor levels
If a part of the house needs to be fixed or updated in order to repair earthquake damage to standard EQC are required to cover this cost also. They can not refuse to repair your house because it is old, rundown, looks like a leaky home or is a leaky home. Read a relevant article in The Press regarding this.
EQC must also repair to meet the building code. Unfortunately the EQC act is being interpreted at a lesser level than the Insurance policy. See relevant press article on this here.
If you are not happy with the assessment or assessment methodology in the first instance, lodge a complaint with the complaints section EQC.
Do you have a question about your specific situation? Please post it below, or post in our Ask The Experts forum and we’ll do our best to answer it.