Merivale, Christchurch

Case study

The Situation

Our clients were a young couple who had purchased a property that was originally built in the 1920s - structurally sound and in good living condition.

The earthquake events in 2010 and 2011 caused significant damage to their property including the destruction of the house foundations, damaged to the land, internal walls and ceilings, and holes in the double chimney and roof that allowed rain to pour in. The property was in a very poor condition not suitable for living.
The clients put their claim through to the EQC, whose repairs to the property were insufficient. Post-repair, the clients still had issues with leaky rooves, un-level floors and cracks to their ring foundation reopening.

EQC's position regarding the clients claim was that it was over the $115,000 cap which triggered the insurer’s liability. However, over the course of the following two years, the insurer did not comply with policy obligations, stating that they would not fully investigate the client’s case. Our clients were frustrated with this situation, particularly as their home was insured for the full replacement value during the time of the earthquakes. This left our clients no choice but to manage repairs with money from their own pockets.

My Insurance Claim’s Process

The clients decided to engage My Insurance Claim after receiving a recommendation through a friend. Our team of specialists met with the clients, and immediately commenced the following steps to assess their claim:

  • Undertook an initial assessment of the property by in-house Damaged Assessors
  • Requested privacy disclosure of documentation from EQC and Insurer
  • Undertook a full assessment of the claim and documentation
  • A thorough in-house assessment of property to complete a Full Damage Report
  • Interviewed homeowners to establish the facts
  • Presented both Full Damage Report and Statutory Declarations to the Insurer
  • Engaged and funded high profile law firm to file proceedings against the EQC and the insurer

The Outcome

With the help of our experts, we were able to secure a successful outcome for our clients, resulting in a payment of $2,350,000 for a full and final settlement account of their claim. As a result, the young couple had the opportunity to undertake the proper repairs to their house, and restored their family home to a good living condition.

To find out more about the My Insurance Claim claims journey or to book your free assessment with one of our claims specialists, contact us today.