Mark and photograph the highest point of any flooding.
You can dispose of fully flooded property, especially carpets, soft furniture, such as sofas and beds, plus other ruined or contaminated items that can’t otherwise be properly cleaned. Wear appropriate protective equipment if you’re doing this yourself. Keep a sample to make it easier for replacement later. List everything that you remove, take photographs and keep any proof of purchase, such as receipts that you have. You will need such records to support your claim.
Set aside items that can be cleaned. Do not keep unsanitary items in your home.
You can start with emergency repairs to make your home safe and sanitary. Keep receipts and record of work done.
When the weather allows, start the drying out process. Remove all the water you can, open windows and doors to get as much air in as possible. If you can get fans and dehumidifiers, use these safely.
Do not remove hard floor coverings, wall linings or structural elements of a property or disturb any materials which might contain hazardous substances. You must talk to your insurer if this is required, and only suitably qualified professionals should undertake this work.
The Government announced Sunday 19 February 2023, the establishment of a new service called the New Zealand Claims Resolution Service (NZCRS). This service will provide expert support to homeowners with insurance claims after natural disasters to avoid disputes, resolve issues and ensure claims are settled in a timely manner.
Homeowners who are impacted by any natural disasters should talk to their insurer in the first instance. If they have concerns about their claim or are unsure about the process, they can contact NZCRS.