Insurance providers across New Zealand have experienced a notable increase in claims activity after a series of severe weather events in October.
In the Wairarapa region, insurance claims were distributed across all four districts, according to RNZ. Masterton recorded the highest number of claims at 60, largely tied to the weather event on Oct. 21. South Wairarapa followed with 56 claims, Carterton with 44, and Tararua with 40.
The majority of these claims related to wind damage, with property owners reporting issues such as damaged fences, gutters, and sheds.
A Carterton District Council representative told RNZ that a claim was submitted for roof damage at the Wairarapa Event Centre, which necessitated a venue change for a scheduled event.
Other local councils, including those in South Wairarapa and Masterton, indicated that damage to council-owned property was minimal and did not warrant insurance claims.
In Tararua, council property repairs were estimated to cost less than the insurance excess, making a claim unnecessary.
While Wairarapa saw a significant number of claims, insurers noted that the South Island experienced the most extensive damage.
According to Stephannie Ferris, executive general manager for claims at AMI, State, and NZI, the companies received more than 2,200 claims related to high winds as of Oct. 29 – with Southland, Otago, Canterbury, and Wellington among the hardest hit.
The breakdown of claims included 1,129 from Southland, 615 from Otago, 481 from Canterbury, and 570 from Wellington. Other parts of the country accounted for 566 additional claims.
The insurers also processed claims related to fire incidents, including those at Whangarei Hospital and in Kaikoura.
Insurers have emphasized the importance of safety for policyholders affected by storms or flooding.
Ferris advised that individuals should prioritize the safety of themselves and their families before assessing property damage or submitting a claim.
“Please remember, we’re here to pay claims; it’s what we do. While photos are always helpful, they should only be taken when it is safe to do so,” she said.
Policyholders are encouraged to notify their insurer promptly, especially if their property is uninhabitable or if temporary accommodation is required.
AMI and State customers can file claims online or by phone, while NZI clients are advised to contact their broker.
For land damage, insurers will coordinate with the Natural Hazards Commission (NHC) as part of the claims process.
Guidance for managing storm or flood claims includes:
Industry advisors, such as Willis Towers Watson (WTW), have recommended that clients focus on safety and document all damage and repairs.
The Insurance & Financial Services Ombudsman Scheme (IFSO Scheme) has also provided guidance, emphasising the importance of early communication with insurers and thorough documentation.
Karen Stevens, Insurance & Financial Services Ombudsman, said: “When it’s safe, and only when it’s safe, it’s important to take sensible make-safe steps to prevent further loss. It’s also important to document all damage, and talk to your insurer early so your claim gets off to a smooth start.”
Policyholders are advised to review their policy wording for coverage details, especially regarding power surges and electrical appliances, and to keep records of all interactions with insurers and service providers.
