Search

found 40 results

Images for assistance; more images...

Research papers, Victoria University of Wellington

When the devastating 6.3 magnitude earthquake hit Christchurch, Aotearoa New Zealand, at 12.51pm on 22nd February 2011, the psychological and physical landscape was irrevocably changed. In the days and weeks following the disaster communities were isolated due to failed infrastructure, continuing aftershocks and the extensive search and rescue effort which focussed resources on the central business district. In such moments the resilience of a community is truly tested. This research discusses the role of grassroots community groups in facilitating community resilience during the Christchurch 2010/11 earthquakes and the role of place in doing so. I argue that place specific strategies for urban resilience need to be enacted from a grassroots level while being supported by broader policies and agencies.  Using a case study of Project Lyttelton – a group aspiring towards a resilient sustainable future who were caught at the epicentre of the February earthquake – I demonstrate the role of a community group in creating resilience through self-organised place specific action during a disaster. The group provided emotional care, basic facilities and rebuilding assistance to the residents of Lyttelton, proving to be an invaluable asset. These actions are closely linked to the characteristics of social support and social learning that have been identified as important to socio-ecological resilience. In addition this research will seek to understand and explore the nuances of place and identity and its role in shaping resilience to such dis-placing events. Drawing on community narratives of the displacement of place identity, the potential for a progressive sense of place as instigated by local groups will be investigated as an avenue for adaptation by communities at risk of disaster and place destabilisation.

Audio, Radio New Zealand

Questions to Ministers 1. PESETA SAM LOTU-IIGA to the Minister of Finance: What are some of the issues the Government will consider to meet the expected fiscal cost of the Christchurch earthquake? 2. Hon PHIL GOFF to the Prime Minister: Does he stand by his statement that, in Christchurch, "up to 10,000 houses will need to be demolished and over 100,000 more could be damaged? 3. Hon JOHN BOSCAWEN to the Attorney-General: What changes, if any, is he proposing to the Marine and Coastal Area (Takutai Moana) Bill, and why? 4. Hon DAVID CUNLIFFE to the Minister of Finance: How much of the cumulative $15 billion drop in GDP over the next 4 years, as identified in the Treasury's February Monthly Economic Indicators report, is a result of the "weaker [economic] outlook we were seeing prior to the February earthquake" in Christchurch? 5. Dr KENNEDY GRAHAM to the Minister for Canterbury Earthquake Recovery: Is he satisfied that there is enough coordination between central government agencies, local council, and non-government organisations in the response to the earthquake? 6. Hon DAVID PARKER to the Attorney-General: Is it his intention to further progress the Marine and Coastal Area (Takutai Moana) Bill this week? 7. NICKY WAGNER to the Minister for the Environment: What changes has the Government made under the Canterbury Earthquake Response and Recovery Act to facilitate recovery and the processing of resource consents to enable Christchurch to rebuild as quickly as possible? 8. Hon JIM ANDERTON to the Minister for Canterbury Earthquake Recovery: Does he stand by his comment in the House yesterday that "there is a period in which insurance companies will not provide cover", and if so, what will the Government do to assist people who have already signed purchase contracts and are seeking insurance cover? 9. JACQUI DEAN to the Minister of Police: What has been the response of the New Zealand Police and their counterparts in other countries to the Christchurch earthquake? 10. GRANT ROBERTSON to the Minister of Health: Is he satisfied with the cost of after-hours medical treatment? 11. TIM MACINDOE to the Minister of Housing: What assistance is available for people who require emergency housing following the earthquake on 22 February? 12. Hon TREVOR MALLARD to the Minister for Communications and Information Technology: Who made the decision to defer MediaWorks' payment of $43 million to the Crown?

Audio, Radio New Zealand

1. Hon PHIL GOFF to the Prime Minister: Does he have confidence in his Minister of Finance? 2. CRAIG FOSS to the Minister of Finance: How much does the Government expect to spend over the next few years to help rebuild Christchurch in the aftermath of the two earthquakes? 3. Hon ANNETTE KING to the Minister for Social Development and Employment: Does she stand by her statement in regard to hardship assistance that "…I think it proves that the help is there when people need it,"; if so, why? 4. RAHUI KATENE to the Minister of Health: What action, if any, has been taken in light of the study Ethnicity and Management of Colon Cancer in New Zealand: Do Indigenous Patients Get a Worse Deal?, which concluded that Māori New Zealanders with colon cancer were less likely to receive adjuvant chemotherapy and experienced a lower quality of care compared with non-Māori patients? 5. CHRIS AUCHINVOLE to the Minister for the Environment: What steps is the Government taking to increase renewable electricity generation in light of reports that greenhouse gas emissions from this sector have increased by 120 percent, which is more than any other sector since 1990? 6. Hon CLAYTON COSGROVE to the Minister of Finance: Excluding the banks and non-bank financial institutions covered by the deposit guarantee scheme, are there any other companies that might be provided with a government guarantee while the Rt Hon John Key is Prime Minister? 7. JONATHAN YOUNG to the Acting Minister of Energy and Resources: What is Petrobras able to do under the permit granted to it in the Raukumara Basin? 8. DAVID CLENDON to the Acting Minister of Energy and Resources: What environmental protection provisions, if any, did the Government include in the permit granted to Petrobras to explore for oil and drill off the East Cape? 9. Hon TREVOR MALLARD to the Prime Minister: Does he have confidence in all Ministers involved in the Mediaworks frequency payment arrangement? 10. AARON GILMORE to the Minister of Revenue: What has Inland Revenue done to assist the people in Christchurch after the February earthquake? 11. GRANT ROBERTSON to the Minister responsible for Ministerial Services: Does he stand by his statements in relation to the purchase of 34 BMWs by Ministerial Services, including one with heated seats, that "Yeah I don't know what's in Dunedin" and "It's beyond me, it's not my car anyway"? 12. SHANE ARDERN to the Minister of Fisheries and Aquaculture: What has been the result of enforcement action taken by the Ministry of Fisheries under Operation Paid and Taskforce Webb?

Audio, Radio New Zealand

PAUL GOLDSMITH to the Minister of Finance: What steps is the Government taking to support new jobs and build a productive and competitive economy? Rt Hon WINSTON PETERS to the Minister responsible for the GCSB: Specifically, have there been staff issues associated with the Government Communications Security Bureau and Dotcom affair brought to his attention by the Government Communications Security Bureau or members of the New Zealand Police, in which such staff members no longer work in their previous capacity for the Government Communications Security Bureau or any government agency; if so, what were the circumstances? DAVID SHEARER to the Prime Minister: Further to his answers to the first supplementary question to Oral Question No 1 on 26 September and the first supplementary question to Oral Question No 1 yesterday, does he now know on what date the Government Communications Security Bureau was first told that its surveillance of Kim Dotcom was illegal? ALFRED NGARO to the Minister for Social Development: What recent announcements has she made regarding providing extra financial assistance to grandparents raising grandchildren and other kin-carers? Hon DAVID PARKER to the Minister of Finance: When he said yesterday that with a "relatively high" exchange rate, our exporters "have been sufficiently resilient to be able to grow export volumes and value" did he mean that all export sectors have been growing, and according to Statistics New Zealand, in 2008 dollars what is the percentage change in exports of simply and elaborately transformed manufactured goods from the 2008 to 2012 financial years? METIRIA TUREI to the Prime Minister: Does he stand by his statement, in response to a question about whether he will support my Income Tax (Universalisation of In-work Tax Credit) Amendment Bill that "she wants to give the same millionaires yet more money to raise their kids"? SHANE ARDERN to the Minister for Primary Industries: What progress can he report on the Primary Growth Partnership Initiative? JACINDA ARDERN to the Minister for Social Development: What vulnerabilities were identified in the report prepared by Dimension Data on the security of the Work and Income kiosks? Dr JACKIE BLUE to the Minister of Health: What reports has he received on improving the quality and efficiency of health services? TE URUROA FLAVELL to the Minister of Broadcasting: How does he ensure that the legislative requirement for TVNZ to provide high-quality content that reflects Māori perspectives is reflected in the programming strategy for TV1 and TV2? CHRIS HIPKINS to the Minister of Education: Is she confident that the information she relied upon in deciding on proposals for school closures and mergers in Christchurch was robust and reliable; if so, why? CHRIS AUCHINVOLE to the Minister for Canterbury Earthquake Recovery: What reports has he received on the availability of insurance cover to support the rebuilding of Canterbury following the seismic events?

Audio, Radio New Zealand

Questions to Ministers 1. Dr RUSSEL NORMAN to the Minister of Finance: Does he agree with 57 percent of New Zealanders who, according to a recent UMR poll, support the introduction of a temporary earthquake levy to pay for the rebuilding of Christchurch? 2. Hon PHIL GOFF to the Prime Minister: What, according to the 2010 Investment Statement of the Government of New Zealand, was the average total shareholder return over the last five years from State-owned Enterprises and the average bond rate, and is that consistent with his statement that "it is the Government's intention to use the proceeds of those initial public offerings to actually invest in other assets that the Government would have to fund through the Government bond rate"? 3. DAVID BENNETT to the Minister for Infrastructure: What progress has the Government made on its infrastructure programme? 4. Hon ANNETTE KING to the Prime Minister: Does he stand by his statement "this Government is not prepared to turn its back on our most vulnerable citizens when they most need our help"? 5. Hon JOHN BOSCAWEN to the Acting Minister of Energy and Resources: Is it government policy for New Zealand to become a "highly attractive global destination" for oil exploration, with expansion of the oil and coal sectors leading to a "step change" in the country's economic growth as set out in the document Developing Our Energy Potential; if not, why not? 6. Hon CLAYTON COSGROVE to the Minister for Social Development and Employment: Is the Government considering extending the business assistance package for employers and employees beyond the 14-week period currently signalled; if not, why not? 7. JACQUI DEAN to the Minister of Police: What reports has she received on the latest trends in the level of crime in New Zealand? 8. Hon TREVOR MALLARD to the Prime Minister: Did he tell a meeting in Timaru last week "The entire time I've been Prime Minister I've had Treasury in my office week after week, month after month, telling me South Canterbury Finance was going bankrupt"? 9. CHRIS AUCHINVOLE to the Minister for the Environment: What advice has he received on major resource consents being considered under the Government's new national consenting policy? 10. Dr RUSSEL NORMAN to the Acting Minister of Energy and Resources: Does she agree that the joint scheme initiated by the Green Party and the Government, Warm Up New Zealand: Heat Smart, is the best initiative in the Draft New Zealand Energy Strategy because it is providing hundreds of thousands of New Zealand households with warm, dry, energy efficient homes, and creating thousands of clean green jobs? 11. Hon SHANE JONES to the Minister of Fisheries: Does he still have no major concerns about the way foreign boats were used by New Zealand companies as the Nelson Mail reports he said last year? 12. TIM MACINDOE to the Minister of Housing: What recent announcements has he made regarding the Government's Housing Innovation Fund?

Audio, Radio New Zealand

TRACEY MARTIN to the Minister responsible for Novopay: Does he stand by his statement of 11 February 2014, "education payroll is the most complex in New Zealand and more work remains to be done to simplify the business processes to ensure it runs as smoothly as possible each year"? Hon DAVID CUNLIFFE to the Prime Minister: Does he stand by his statement that "the true builders of that future are the millions of New Zealanders working in the homes, the businesses, the industries of our country"? MAGGIE BARRY to the Minister of Finance: What progress is the Government making with its share offer programme, which is freeing up money for reinvestment in new public assets without having to increase Government debt? ANDREW LITTLE to the Attorney-General: Will he release all correspondence between the Christchurch Crown Solicitor or any other solicitor acting for the Ministry of Business, Innovation and Employment, and counsel for Peter Whittall on the decision not to proceed with the prosecution of Mr Whittall under the Health and Safety in Employment Act 1992 relating to conditions at the Pike River Mine that lead to the deaths of 29 miners; if not, why not? KEVIN HAGUE to the Minister of Health: When were Ministry of Health officials first informed that the dispute between the Southern District Health Board and South Link Health involved allegations of the misuse of public funding, and when were they first informed that this alleged misuse was suspected to involve elements that could be fraud? Dr CAM CALDER to the Minister for Tertiary Education, Skills and Employment: What announcements has the Government made on the Tertiary Education Strategy for New Zealand? Hon RUTH DYSON to the Minister responsible for the Earthquake Commission: Does he stand by his statement made yesterday in the House with regard to Canterbury Labour Members of Parliament that they "have made no more than five requests for assistance through the Earthquake Commission"; if not, when will he be correcting his statement and apologising? MARK MITCHELL to the Minister for Communications and Information Technology: How is the Government's Information and Communication Technology programme improving New Zealanders' access to improved technology and better connectivity? GRANT ROBERTSON to the Minister of Justice: On what date did she receive an invitation to visit the Shanghai office of Oravida Ltd during her Ministerial visit to China in October 2013, and what actions did she take to ensure this visit met her obligations under the Cabinet Manual? CATHERINE DELAHUNTY to the Associate Minister of Education: Did the communities in Christchurch, Auckland and Queenstown, where four schools are to be built using a public-private partnership (PPP) model, ask the Government for private sector management of their school buildings? PAUL FOSTER-BELL to the Minister of Health: What investment is the Government making in improving nutrition and exercise for pre-schoolers? JOANNE HAYES to the Minister of Corrections: What steps has the Government taken to improve access to alcohol and drug treatment for prisoners?

Research papers, University of Canterbury Library

In recent years, rocking isolation has become an effective approach to improve seismic performance of steel and reinforced concrete structures. These systems can mitigate structural damage through rigid body displacement and thus relatively low requirements for structural ductility, which can significantly improve seismic resilience of structures and reduce repairing costs after strong earthquakes. A number of base rocking structural systems with only a single rocking interface have been proposed. However, these systems can have significant high mode effect for high rise structures due to the single rocking interface. This RObust BUilding SysTem (ROBUST) project is a collaborative China-New Zealand project sponsored by the International Joint Research Laboratory of Earthquake Engineering (ILEE), Tongji University, and a number of agencies and universities within New Zealand including the BRANZ, Comflor, Earthquake Commission, HERA, QuakeCoRE, QuakeCentre, University of Auckland, and the University of Canterbury. A number of structural configurations will be tested [1, 2], and non-structural elements including ceilings, infilling walls, glazed curtain walls, precast concrete panels, piping system will also be tested in this project [3]. Within this study, a multiple rocking column steel structural system was proposed and investigated mainly by Tongji team with assistance of NZ members. The concept of rocking column system initiates from the structure of Chinese ancient wooden pagoda. In some of Chinese wooden pagodas, there are continuous core columns hanged only at the top of each pagoda, which is not connected to each stories. This core column can effectively avoid collapse of the whole structure under large storey drifts. Likewise, there are also central continuous columns in the newly proposed steel rocking column system, which can avoid weak story failure mechanism and make story drifts more uniform. In the proposed rocking column system, the structure can switch between an elastic rigidly connected moment resisting frame and a controlled rocking column system when subjected to strong ground motion excitations. The main seismic energy can be dissipated by asymmetric friction beam–column connections, thereby effectively reducing residual displacement of the structure under seismic loading without causing excessive damage to structural members. Re–centering of the structure is provided not only by gravity load carried by rocking columns, but also by mould coil springs. To investigate dynamic properties of the proposed system under different levels of ground excitations, a full-scale threestory steel rocking column structural system with central continuous columns is to be tested using the International joint research Laboratory of Earthquake Engineering (ILEE) facilities, Shanghai, China and an analytical model is established. A finite element model is also developed using ABAQUS to simulate the structural dynamic responses. The rocking column system proposed in this paper is shown to produce resilient design with quick repair or replacement.

Research papers, University of Canterbury Library

Recent surface-rupturing earthquakes in New Zealand have highlighted significant exposure and vulnerability of the road network to fault displacement. Understanding fault displacement hazard and its impact on roads is crucial for mitigating risks and enhancing resilience. There is a need for regional-scale assessments of fault displacement to identify vulnerable areas within the road network for the purposes of planning and prioritising site-specific investigations. This thesis employs updated analysis of data from three historical surface-rupturing earthquakes (Edgecumbe 1987, Darfield 2010, and Kaikoūra 2016) to develop an empirical model that addresses the gap in regional fault displacement hazard analysis. The findings contribute to understanding of • How to use seismic hazard model inputs for regional fault displacement hazard analysis • How faulting type and sediment cover affects the magnitude and spatial distribution of fault displacement • How the distribution of displacement and regional fault displacement hazard is impacted by secondary faulting • The inherent uncertainties and limitations associated with employing an empirical approach at a regional scale • Which sections of New Zealand’s roading network are most susceptible to fault displacement hazard and warrant site-specific investigations • Which regions should prioritise updating emergency management plans to account for post-event disruptions to roading. I used displacement data from the aforementioned historical ruptures to generate displacement versus distance-to-fault curves for various displacement components, fault types, and geological characteristics. Using those relationships and established relationships for along-strike displacement, displacement contours were generated surrounding active faults within the NZ Community Fault Model. Next, I calculated a new measure of 1D strain along roads as well as relative hazard, which integrated 1D strain and normalised slip rate data. Summing these values at the regional level identified areas of heightened relative hazard across New Zealand, and permits an assessment of the susceptibility of road networks using geomorphon land classes as proxies for vulnerability. The results reveal that fault-parallel displacements tend to localise near the fault plane, while vertical and fault-perpendicular displacements sustain over extended distances. Notably, no significant disparities were observed in off-fault displacement between the hanging wall and footwall sides of the fault, or among different surface geology types, potentially attributed to dataset biases. The presence of secondary faulting in the dataset contributes to increased levels of tectonic displacement farther from the fault, highlighting its significance in hazard assessments. Furthermore, fault displacement contours delineate broader zones around dip-slip faults compared to strike-slip faults, with correlations identified between fault length and displacement width. Road ‘strain’ values are higher around dip-slip faults, with notable examples observed in the Westland and Buller Districts. As expected, relative hazard analysis revealed elevated values along faults with high slip rates, notably along the Alpine Fault. A regional-scale analysis of hazard and exposure reveals heightened relative hazard in specific regions, including Wellington, Southern Hawke’s Bay, Central Bay of Plenty, Central West Coast, inland Canterbury, and the Wairau Valley of Marlborough. Notably, the Central West Coast exhibits the highest summed relative hazard value, attributed to the fast-slipping Alpine Fault. The South Island generally experiences greater relative hazard due to larger and faster-slipping faults compared to the North Island, despite having fewer roads. Central regions of New Zealand face heightened risk compared to Southern or Northern regions. Critical road links intersecting high-slipping faults, such as State Highways 6, 73, 1, and 2, necessitate prioritisation for site-specific assessments, emergency management planning and targeted mitigation strategies. Roads intersecting with the Alpine Fault are prone to large parallel displacements, requiring post-quake repair efforts. Mitigation strategies include future road avoidance of nearby faults, modification of road fill and surface material, and acknowledgement of inherent risk, leading to prioritised repair efforts of critical roads post-quake. Implementing these strategies enhances emergency response efforts by improving accessibility to isolated regions following a major surface-rupturing event, facilitating faster supply delivery and evacuation assistance. This thesis contributes to the advancement of understanding fault displacement hazard by introducing a novel regional, empirical approach. The methods and findings highlight the importance of further developing such analyses and extending them to other critical infrastructure types exposed to fault displacement hazard in New Zealand. Enhancing our comprehension of the risks associated with fault displacement hazard offers valuable insights into various mitigation strategies for roading infrastructure and informs emergency response planning, thereby enhancing both national and global infrastructure resilience against geological hazards.

Research papers, University of Canterbury Library

Deconstruction, at the end of the useful life of a building, produces a considerable amount of materials which must be disposed of, or be recycled / reused. At present, in New Zealand, most timber construction and demolition (C&D) material, particularly treated timber, is simply waste and is placed in landfills. For both technical and economic reasons (and despite the increasing cost of landfills), this position is unlikely to change in the next 10 – 15 years unless legislation dictates otherwise. Careful deconstruction, as opposed to demolition, can provide some timber materials which can be immediately re-used (eg. doors and windows), or further processed into other components (eg. beams or walls) or recycled (‘cascaded’) into other timber or composite products (e.g. fibre-board). This reusing / recycling of materials is being driven slowly in NZ by legislation, the ‘greening’ of the construction industry and public pressure. However, the recovery of useful material can be expensive and uneconomic (as opposed to land-filling). In NZ, there are few facilities which are able to sort and separate timber materials from other waste, although the soon-to-be commissioned Burwood Resource Recovery Park in Christchurch will attempt to deal with significant quantities of demolition waste from the recent earthquakes. The success (or otherwise) of this operation should provide good information as to how future C&D waste will be managed in NZ. In NZ, there are only a few, small scale facilities which are able to burn waste wood for energy recovery (e.g. timber mills), and none are known to be able to handle large quantities of treated timber. Such facilities, with constantly improving technology, are being commissioned in Europe (often with Government subsidies) and this indicates that similar bio-energy (co)generation will be established in NZ in the future. However, at present, the NZ Government provides little assistance to the bio-energy industry and the emergence worldwide of shale-gas reserves is likely to push the economic viability of bio-energy further into the future. The behaviour of timber materials placed in landfills is complex and poorly understood. Degrading timber in landfills has the potential to generate methane, a potent greenhouse gas, which can escape to the atmosphere and cancel out the significant benefits of carbon sequestration during tree growth. Improving security of landfills and more effective and efficient collection and utilisation of methane from landfills in NZ will significantly reduce the potential for leakage of methane to the atmosphere, acting as an offset to the continuing use of underground fossil fuels. Life cycle assessment (LCA), an increasingly important methodology for quantifying the environmental impacts of building materials (particularly energy, and global warming potential (GWP)), will soon be incorporated into the NZ Green Building Council Greenstar rating tools. Such LCA studies must provide a level playing field for all building materials and consider the whole life cycle. Whilst the end-of-life treatment of timber by LCA may establish a present-day base scenario, any analysis must also present a realistic end-of-life scenario for the future deconstruction of any 6 new building, as any building built today will be deconstructed many years in the future, when very different technologies will be available to deal with construction waste. At present, LCA practitioners in NZ and Australia place much value on a single research document on the degradation of timber in landfills (Ximenes et al., 2008). This leads to an end-of-life base scenario for timber which many in the industry consider to be an overestimation of the potential negative effects of methane generation. In Europe, the base scenario for wood disposal is cascading timber products and then burning for energy recovery, which normally significantly reduces any negative effects of the end-of-life for timber. LCA studies in NZ should always provide a sensitivity analysis for the end-of-life of timber and strongly and confidently argue that alternative future scenarios are realistic disposal options for buildings deconstructed in the future. Data-sets for environmental impacts (such as GWP) of building materials in NZ are limited and based on few research studies. The compilation of comprehensive data-sets with country-specific information for all building materials is considered a priority, preferably accounting for end-of-life options. The NZ timber industry should continue to ‘champion’ the environmental credentials of timber, over and above those of the other major building materials (concrete and steel). End-of-life should not be considered the ‘Achilles heel’ of the timber story.

Research papers, University of Canterbury Library

In September 2010 and February 2011, the Canterbury region experienced devastating earthquakes with an estimated economic cost of over NZ$40 billion (Parker and Steenkamp, 2012; Timar et al., 2014; Potter et al., 2015). The insurance market played an important role in rebuilding the Canterbury region after the earthquakes. Homeowners, insurance and reinsurance markets and New Zealand government agencies faced a difficult task to manage the rebuild process. From an empirical and theoretic research viewpoint, the Christchurch disaster calls for an assessment of how the insurance market deals with such disasters in the future. Previous studies have investigated market responses to losses in global catastrophes by focusing on the insurance supply-side. This study investigates both demand-side and supply-side insurance market responses to the Christchurch earthquakes. Despite the fact that New Zealand is prone to seismic activities, there are scant previous studies in the area of earthquake insurance. This study does offer a unique opportunity to examine and document the New Zealand insurance market response to catastrophe risk, providing results critical for understanding market responses after major loss events in general. A review of previous studies shows higher premiums suppress demand, but how higher premiums and a higher probability of risk affect demand is still largely unknown. According to previous studies, the supply of disaster coverage is curtailed unless the market is subsidised, however, there is still unsettled discussion on why demand decreases with time from the previous disaster even when the supply of coverage is subsidised by the government. Natural disaster risks pose a set of challenges for insurance market players because of substantial ambiguity associated with the probability of such events occurring and high spatial correlation of catastrophe losses. Private insurance market inefficiencies due to high premiums and spatially concentrated risks calls for government intervention in the provision of natural disaster insurance to avert situations of noninsurance and underinsurance. Political economy considerations make it more likely for government support to be called for if many people are uninsured than if few people are uninsured. However, emergency assistance for property owners after catastrophe events can encourage most property owners to not buy insurance against natural disaster and develop adverse selection behaviour, generating larger future risks for homeowners and governments. On the demand-side, this study has developed an intertemporal model to examine how demand for insurance changes post-catastrophe, and how to model it theoretically. In this intertemporal model, insurance can be sought in two sequential periods of time, and at the second period, it is known whether or not a loss event happened in period one. The results show that period one demand for insurance increases relative to the standard single period model when the second period is taken into consideration, period two insurance demand is higher post-loss, higher than both the period one demand and the period two demand without a period one loss. To investigate policyholders experience from the demand-side perspective, a total of 1600 survey questionnaires were administered, and responses from 254 participants received representing a 16 percent response rate. Survey data was gathered from four institutions in Canterbury and is probably not representative of the entire population. The results of the survey show that the change from full replacement value policy to nominated replacement value policy is a key determinant of the direction of change in the level of insurance coverage after the earthquakes. The earthquakes also highlighted the plight of those who were underinsured, prompting policyholders to update their insurance coverage to reflect the estimated cost of re-building their property. The survey has added further evidence to the existing literature, such as those who have had a recent experience with disaster loss report increased risk perception if a similar event happens in future with females reporting a higher risk perception than males. Of the demographic variables, only gender has a relationship with changes in household cover. On the supply-side, this study has built a risk-based pricing model suitable to generate a competitive premium rate for natural disaster insurance cover. Using illustrative data from the Christchurch Red-zone suburbs, the model generates competitive premium rates for catastrophe risk. When the proposed model incorporates the new RMS high-definition New Zealand Earthquake Model, for example, insurers can find the model useful to identify losses at a granular level so as to calculate the competitive premium. This study observes that the key to the success of the New Zealand dual insurance system despite the high prevalence of catastrophe losses are; firstly the EQC’s flat-rate pricing structure keeps private insurance premiums affordable and very high nationwide homeowner take-up rates of natural disaster insurance. Secondly, private insurers and the EQC have an elaborate reinsurance arrangement in place. By efficiently transferring risk to the reinsurer, the cost of writing primary insurance is considerably reduced ultimately expanding primary insurance capacity and supply of insurance coverage.