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Images, Alexander Turnbull Library

A container labelled 'Chch East residents' has landed on the far side of the planet Mars. Others have landed or are descending. People in space suits exit the containers. One of them shakes hands with a green Martian commenting to him that the ground there is solid, it has nice views and "... the locals are a lot less alien than the insurance agents back home". Cartoon published when NASA's Curiosity rover landed on Mars on 5 August 2012. At this time there there was public debate over insurance claims by earthquake survivors in Christchurch's eastern suburbs. Title taken from item. Quantity: 1 digital cartoon(s). Processing information: Record title, scope and contents and note fields were updated in June 2025 as part of reparative description work. Details available on request.

Research papers, University of Canterbury Library

This study analyses the Earthquake Commission’s (EQC) insurance claims database to investigate the influence of seismic intensity and property damage resulting from the Canterbury Earthquake Sequence (CES) on the repair costs and claim settlement duration for residential buildings. Firstly, the ratio of building repair cost to its replacement cost was expressed as a Building Loss Ratio (BLR), which was further extended to Regional Loss Ratio (RLR) for greater Christchurch by multiplying the average of all building loss ratios with the proportion of building stock that lodged an insurance claim. Secondly, the total time required to settle the claim and the time taken to complete each phase of the claim settlement process were obtained. Based on the database, the regional loss ratio for greater Christchurch for three events producing shakings of intensities 6, 7, and 8 on the modified Mercalli intensity scale were 0.013, 0.066, and 0.171, respectively. Furthermore, small (less than NZD15,000), medium (between NZD15,000 and NZD100,000), and large (more than NZD100,000) claims took 0.35-0.55, 1.95-2.45, and 3.35-3.85 years to settle regardless of the building’s construction period and earthquake intensities. The number of claims was also disaggregated by various building characteristics to evaluate their relative contribution to the damage and repair costs.

Audio, Radio New Zealand

A Christchurch earthquake insurance specialist says a critical report of the Earthquake Commission is a good start but doesn't go far enough. The report by an independent ministerial advisor says EQC staff have no confidence in their own data, and that the organisation needs to dramatically improve the way it communicates with claimants. The advisor, Christine Stevenson, said EQC was unable even to tell her how many claims it's still dealing with from the Canterbury earthquakes. Dean Lester is a Christchurch insurance advocate and claims preparer. He talks to Susie Ferguson.

Research papers, University of Canterbury Library

The Canterbury earthquakes caused huge amounts of damage to Christchurch and the surrounding area and presented a very challenging situation for both insurers and claimants. While tourism has suffered significant losses as a result, particularly due to the subsequent decrease in visitor numbers, the Canterbury region was very fortunate to have high levels of insurance coverage. This report, based on data gathered from tourism operators on the ground in Canterbury, looks at how this sector has been affected by the quakes, claims patterns, and the behaviour and perceptions of tourism operators about insurance.

Images, Alexander Turnbull Library

A man, half shown, sits on a loo and says 'Dang! I'm busting again! as he reaches for the toilet paper which has a different 'quake claim' printed on each section. Context - Magnitude 6.0 and 5.5 earthquakes rocked Christchurch again at 1pm and 2.20pm on 13th June 2011. These quakes follow the first earthquake on September 4th 2010 and the second on February 22nd 2011. (www.stuff.co.nz, 13 June 2011) Each time there is a significant quake more damage is done and so people have to make further insurance claims. Quantity: 1 digital cartoon(s).

Research papers, University of Canterbury Library

The Canterbury Earthquake Sequence (CES), induced extensive damage in residential buildings and led to over NZ$40 billion in total economic losses. Due to the unique insurance setting in New Zealand, up to 80% of the financial losses were insured. Over the CES, the Earthquake Commission (EQC) received more than 412,000 insurance claims for residential buildings. The 4 September 2010 earthquake is the event for which most of the claims have been lodged with more than 138,000 residential claims for this event only. This research project uses EQC claim database to develop a seismic loss prediction model for residential buildings in Christchurch. It uses machine learning to create a procedure capable of highlighting critical features that affected the most buildings loss. A future study of those features enables the generation of insights that can be used by various stakeholders, for example, to better understand the influence of a structural system on the building loss or to select appropriate risk mitigation measures. Previous to the training of the machine learning model, the claim dataset was supplemented with additional data sourced from private and open access databases giving complementary information related to the building characteristics, seismic demand, liquefaction occurrence and soil conditions. This poster presents results of a machine learning model trained on a merged dataset using residential claims from the 4 September 2010.

Audio, Radio New Zealand

Topics - ready with the pumps at last this time, but thankfully not as much rain - so far - as feared for people in the low-lying Flockton Basin in Christchurch. Labour's proposing a special court be set up just to deal with earthquake insurance claims, as part of a policy around the Christchurch rebuild. The policy would see an Earthquake Court established to try to speed up the settling of 9,755 outstanding "over cap" insurance claims. John Banks will be gone by Friday from Parliament, at the behest of the ACT party with a gentle nudge from the Nats as well. The PM thinks it's a joke that the Civilian political party, run by Ben Uffindell and named after his satirical webite, will receive $33,000 of taxpayer funding for the coming election.

Audio, Radio New Zealand

A scathing inquiry into the Earthquake Commission's handling of the 2010 and 2011 Canterbury earthquakes could mean huge change for how it handles claims. The Government says it's committed to implementing all of the recommendations from the inquiry, including improving its communication, planning and preparedness and dispute resolution. John Goddard, an insurance and employment law barrister who dealt with more than 4000 claims at the time, says repairs were handled poorly and the new recommendations won't cover all the bases. John Goddard and Melanie Bourke of EQC Fix speak to Corin Dann.

Research papers, University of Canterbury Library

In this thesis, focus is given to develop methodologies for rapidly estimating specific components of loss and downtime functions. The thesis proposes methodologies for deriving loss functions by (i) considering individual component performance; (ii) grouping them as per their performance characteristics; and (iii) applying them to similar building usage categories. The degree of variation in building stock and understanding their characteristics are important factors to be considered in the loss estimation methodology and the field surveys carried out to collect data add value to the study. To facilitate developing ‘downtime’ functions, this study investigates two key components of downtime: (i) time delay from post-event damage assessment of properties; and (ii) time delay in settling the insurance claims lodged. In these two areas, this research enables understanding of critical factors that influence certain aspects of downtime and suggests approaches to quantify those factors. By scrutinising the residential damage insurance claims data provided by the Earthquake Commission (EQC) for the 2010- 2011 Canterbury Earthquake Sequence (CES), this work provides insights into various processes of claims settlement, the time taken to complete them and the EQC loss contributions to building stock in Christchurch city and Canterbury region. The study has shown diligence in investigating the EQC insurance claim data obtained from the CES to get new insights and build confidence in the models developed and the results generated. The first stage of this research develops contribution functions (probabilistic relationships between the expected losses for a wide range of building components and the building’s maximum response) for common types of claddings used in New Zealand buildings combining the probabilistic density functions (developed using the quantity of claddings measured from Christchurch buildings), fragility functions (obtained from the published literature) and cost functions (developed based on inputs from builders) through Monte Carlo simulations. From the developed contribution functions, glazing, masonry veneer, monolithic and precast concrete cladding systems are found to incur 50% loss at inter-storey drift levels equal to 0.027, 0.003, 0.005 and 0.011, respectively. Further, the maximum expected cladding loss for glazing, masonry veneer, monolithic, precast concrete cladding systems are found to be 368.2, 331.9, 365.0, and 136.2 NZD per square meter of floor area, respectively. In the second stage of this research, a detailed cost breakdown of typical buildings designed and built for different purposes is conducted. The contributions of structural and non- structural components to the total building cost are compared for buildings of different usages, and based on the similar ratios of non-structural performance group costs to the structural performance group cost, four-building groups are identified; (i) Structural components dominant group: outdoor sports, stadiums, parkings and long-span warehouses, (ii) non- structural drift-sensitive components dominant group: houses, single-storey suburban buildings (all usages), theatres/halls, workshops and clubhouses, (iii) non-structural acceleration- sensitive components dominant group: hospitals, research labs, museums and retail/cold stores, and (iv) apartments, hotels, offices, industrials, indoor sports, classrooms, devotionals and aquariums. By statistically analysing the cost breakdowns, performance group weighting factors are proposed for structural, and acceleration-sensitive and drift-sensitive non-structural components for all four building groups. Thus proposed building usage groupings and corresponding weighting factors facilitate rapid seismic loss estimation of any type of building given the EDPs at storey levels are known. A model for the quantification of post-earthquake inspection duration is developed in the third stage of this research. Herein, phase durations for the three assessment phases (one rapid impact and two rapid building) are computed using the number of buildings needing inspections, the number of engineers involved in inspections and a phase duration coefficient (which considers the median building inspection time, efficiency of engineer and the number of engineers involved in each assessment teams). The proposed model can be used: (i) by national/regional authorities to decide the length of the emergency period following a major earthquake, and estimate the number of engineers required to conduct a post-earthquake inspection within the desired emergency period, and (ii) to quantify the delay due to inspection for the downtime modelling framework. The final stage of this research investigates the repair costs and insurance claim settlement time for damaged residential buildings in the 2010-2011 Canterbury earthquake sequence. Based on the EQC claim settlement process, claims are categorized into three groups; (i) Small Claims: claims less than NZD15,000 which were settled through cash payment, (ii) Medium Claims: claims less than NZD100,000 which were managed through Canterbury Home Repair Programme (CHRP), and (iii) Large Claims: claims above NZD100,000 which were managed by an insurance provider. The regional loss ratio (RLR) for greater Christchurch for three events inducing shakings of approximate seismic intensities 6, 7, and 8 are found to be 0.013, 0.066, and 0.171, respectively. Furthermore, the claim duration (time between an event and the claim lodgement date), assessment duration (time between the claim lodgement day and the most recent assessment day), and repair duration (time between the most recent assessment day and the repair completion day) for the insured residential buildings in the region affected by the Canterbury earthquake sequence is found to be in the range of 0.5-4 weeks, 1.5- 5 months, and 1-3 years, respectively. The results of this phase will provide useful information to earthquake engineering researchers working on seismic risk/loss and insurance modelling.

Videos, UC QuakeStudies

A video of an interview with James Jameson about the lack of access to his apartment in the Victoria Apartments. Many of Jameson's possessions have been trapped in the building since the 22 February 2011 earthquake, including irreplaceable art and book collections. After the earthquake, Jameson was given a couple of hours to retrieve his computer and other essentials, but he has not been allowed in since. Jameson talks about the lack of communication from the authorities , the likelihood that his possessions have been ruined, and his inability to make an insurance claim until he knows he definitely cannot retrieve his possessions.

Articles, UC QuakeStudies

A PDF copy of a media release by All Right? titled "Growing concern for the wellbeing of those with unsettled EQC and Insurance Claims". The media release details research conducted by Opinions Market Research for All Right?, and includes quotes from All Right? Campaign Manager Sue Turner and Dr Lucy D'Aeth (All Right?).

Audio, Radio New Zealand

It's almost eight years to the day since the first Christchurch earthquake, and as anyone who lives in Christchurch knows, some insurance claims are still in dispute. Dodgy repairs are still being discovered and previously undiscovered damage is being found. Earthquake Commission minister Megan Woods says as problems emerge, people can come back and ask for re-repairs or have their home looked at. But just how much money is in the National Disaster Fund?

Images, Alexander Turnbull Library

Shows a man exhausted after a weekend of watching the All Blacks playing Ireland on TV. His wife understands the frustration of Christchurch residents waiting too long for repairs to properties. Context: Refers to frustrating delays in getting earthquake-related repairs done in Christchurch, this in large part due to slowness of insurance claims and permissions. Quantity: 1 digital cartoon(s).