September 27, 2021

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Auckland flood response at L4 – insurers there for customers

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, SEO, Wordpress Support & Insurance, Mortgage, Loans, Legal, Etc Blogs
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Following the severe weather that has left many parts of
West Auckland under water overnight, the Insurance Council
of New Zealand – Te Kāhui Inihui o Aotearoa – confirms that
insurers are there to support their customers no matter the
alert level.

“If you have been affected by the rain and
floods don’t hesitate to contact your insurer, who is open
and available to support you with processes in place to
comply with alert level requirements,” says Tim Grafton,
Chief Executive ICNZ.

As an essential service, insurers
are able to support critical work and make safe repairs. All
ICNZ members have confirmed that processes have been
established to ensure all necessary steps are taken to limit
or eliminate the risk of spreading COVID-19.

“Your first
step is to contact your insurer, they will then be able to
walk you through what their response will be like at Level

ICNZ says that after the initial steps to ensure the
safety of yourself, your family, loved ones, and those
around you, there are some things you can do to help with
the necessary recovery and support a smooth claim

-If your property is damaged, contact your
insurance provider as soon as possible.

-If you rent your
property, contact your landlord and your contents insurance
provider as soon as possible.

-Take photos and videos of
any damage and note down the details of valuable

-If it’s safe, don’t dispose of anything until
you’ve spoken to your insurer as it will help speed up the
assessment of your claim.

-Throw away food and drinking
water that has come into contact with floodwater, including
canned goods. Be sure to take photos of perishable or
unsanitary items before you dispose of them.

-Always wear
protective gear, including gloves and masks, in case
you’re exposed to hazardous material. Most flood waters
are sewage polluted.

-If you can, clean and dry your house
and everything in it, this is because when things get wet
for more than two days, they usually get mouldy.

-If you
need to, make your home safe, sanitary and weather-tight but
if possible don’t do non-essential repairs. Get essential
services repaired and keep copies of invoices.

-Do not do
anything that puts your safety at risk or causes more damage
to your property.

-Get gas and electrics checked before
using any appliances.

-Be wary of wet machinery or
electrical items. This means that if your car has been
submerged in water don’t turn it on or attempt to drive
it. Similarly, don’t use any appliances or machinery that
may have been water damaged.

-For businesses affected,
work with emergency services to understand how you can
access your premises in keeping with lockdown restrictions
so you can see what damage there has been and how you can
progress the steps noted above.

With Auckland at Level 4
the process to assess the resulting damage is likely to look
different than normal, with insurers likely to use a variety
of socially distanced methods such as video.

“Once the
rain stops and the waters recede, insurers will work closely
with the emergency response teams and will follow their
guidance to meet all the steps required to comply with the
restrictions in place. Clearing silt, drying out houses, and
getting resources and tradespeople to undertake repairs is
likely to be very different at present. We expect the
initial response from insurers will be to complete make safe
repairs with insurers doing everything they can to help
their customers as quickly as possible.”

ICNZ notes that
for those with homes that are uninhabitable they may be
eligible for a temporary accommodation benefit included in
most home and contents policies, and to ask their insurer
what support they can

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