Insurers handle influx of claims after October weather events

Insurance providers AMI, State, and NZI have reported a substantial increase in claims after a series of windstorms and fire incidents affected multiple regions throughout New Zealand in October.

According to the companies, more than 3,300 claims have been submitted as of 9am on Oct. 29, covering home, contents, motor, and commercial policies.

The majority of these claims are linked to strong winds that impacted Southland, Otago, Canterbury, and Wellington.

Stephannie Ferris, executive general manager claims for AMI, State, and NZI, said the companies are focused on supporting policyholders affected by the recent weather.

“AMI, State, and NZI are here to help customers affected by the weather event which has impacted a number of regions around the country over the past week,” she said.

Regional impact and types of damage

The breakdown of claims highlights the widespread effect of the weather events.

Southland accounted for 1,129 claims, Otago for 615, Canterbury for 481, and Wellington for 504. Other areas across New Zealand made up 566 additional claims.

Specific incidents included the Whangarei Hospital fire, which resulted in eight claims, and the Kaikoura fire, which led to four claims, including one total home loss, two boats, and a horse float.

Wind damage was the most common cause, with policyholders reporting issues such as broken windows, damaged roofs, and fallen trees.

One claim involved a 25,000-litre water tank that was displaced by wind, traveling two kilometres and causing further property damage along its path.

Guidance for policyholders

Ferris advised customers to prioritise their safety before assessing or reporting damage.

“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. Storms and fires can be incredibly difficult for families, and it’s important to prioritise your safety and then give us a call when you’re somewhere safe,” she said.

Policyholders with AMI and State can submit claims online or by phone, while NZI customers are encouraged to contact their broker.

The insurers also noted that if land is damaged, they will coordinate with the Natural Hazards Commission (NHC) as part of the claims process.

Practical advice for property and vehicle claims

The insurers have outlined several steps for customers dealing with storm or flood damage:

• Ensure personal safety and the safety of family members before inspecting property.
• Notify the insurer as soon as possible, particularly if the property is uninhabitable or temporary accommodation is required.
• Avoid re-entering damaged buildings or businesses until authorities confirm it is safe.
• Begin cleanup to prevent further loss, documenting the scene with photos where possible.
• Handle flood-damaged items carefully, using protective equipment, and keep records before discarding any items.
• Turn off the power at the mains if water has entered the property and have an electrician check the supply before restoring power.
• For vehicles affected by flooding, do not attempt to drive, and remove personal items before arranging towing.

Ombudsman issues storm claims advice

The Insurance & Financial Services Ombudsman Scheme (IFSO Scheme) has also released guidance following the recent storm, which led to a state of emergency in Canterbury and widespread power outages.

Karen Stevens, Insurance & Financial Services Ombudsman, stressed the importance of safety and documentation.

“High winds can create chaos very quickly – from smashed windows and damaged roofs to fallen trees and power surges,” she 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.”

The IFSO Scheme recommends that customers:

• Stay away from hazardous areas and avoid attempting repairs in unsafe conditions.
• Contact insurers promptly to begin the claims process and clarify documentation requirements.
• Only carry out essential emergency repairs and seek approval for other work.
• Record all damage with photos or videos and keep receipts for repairs.
• Avoid driving vehicles that have been damaged by debris or flooding and consult insurers about next steps.
• Review policy terms regarding coverage for power surges and damaged appliances.

“If in doubt, ask – there are no silly questions when you’re trying to understand your policy and what you should do next,” Stevens said.

Resources and contact information

AMI, State, and NZI have set up Disaster Claims Hubs with information on emergency repairs, temporary accommodation, and claims procedures.

Insurance professionals are encouraged to direct clients to these resources and support timely claims handling in the aftermath of these events.

Contact details and further guidance are available on the insurers’ respective websites.