Case Studies

The following case summaries highlight common issues and consumer tips. Cases can be filtered by subject below and names have been changed to protect confidentiality. Access to the full case study database is available for IFSO Scheme Participants in the Participant Area.

Showing all Natural Disasters case studies

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Words debated following landslip image
Lee said a heavy rain event was the underlying cause of the damage, not the landslip.
fire and general Natural Disasters
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Defective earthquake repairs cause ongoing issues image
Faulty repairs after the Christchurch earthquakes saw Amy make two complaints to the IFSO Scheme.
temporary accommodation House and Contents Insurance Natural Disasters
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Earthquake: repair v replace image
Providing expert evidence is important to dispute an insurer’s decision
An insurer deemed an earthquake-damaged property repairable but the owner disagreed and wanted it replaced.
Natural Disasters
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No access, no business image
Check your policy for the definition of loss. Insurance covers damaged property.
Christine’s clothing store was yellow-stickered, which affected her business. But her property wasn’t damaged.
Natural Disasters
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Cover for motel, not for carparks image
Business interruption cover applies to specific circumstances. Check your policy.
Jim’s claim for his earthquake-damaged motel was accepted, but his claim for loss of income from carparks was declined.
Natural Disasters
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No temporary accommodation cover image
Temporary accommodation cover may apply. Check your policy.
Charlie’s rental house was damaged during the Christchurch earthquake. When he moved back in he wasn’t eligible for cover.
Natural Disasters landlord temporary accommodation
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Earthquake damage, defective repairs image
If you are not happy with repair work, talk to your insurer about what can be done.
Kevin and Kath's complaint about the repair work on their earthquake-damaged home led to a cash settlement.
Natural Disasters
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Flood damage, no proof of loss image
After a flood, document the damage. Take photos or videos for evidence.
Clare’s carpet and computer were damaged when her house was flooded, but she had no evidence.
Natural Disasters flood
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