Insurers warn North Islanders to brace for Cyclone Hale

With severe weather again on the horizon, insurers advised residents to make sure their families are safe and to secure their properties to reduce the likelihood and amount of damage caused by the cyclone.

“With heavy rain on the way for parts of the country which have seen a lot of rainfall already this year, we’re encouraging people to get out and check their properties while it is safe to do so, especially areas of your house that are prone to flooding,” said Tom Bartlett, head of home claims at AA Insurance. “Throughout the busy holiday season, people may not have checked guttering or fencing on their properties. With ex-Cyclone Hale bringing the potential for gale force winds and heavy rain, we’re encouraging people to check their property and prepare for what could be a short but intense period of bad weather.”

Tower CEO Blair Turnbull advised residents to always have updated photos and/or videos of their property before any damage happens, as these are useful when making insurance claims. He also said households should formulate an emergency plan and have a getaway kit on hand, including clothes, medication and copies of important documents. If evacuation is necessary, residents should follow instructions from authorities and return home only when it is declared safe.

Before a storm or other severe weather strikes, homeowners should also read their insurance policy wording to know what they can claim for, including whether they are covered for temporary accommodation if the home is ruled unsafe to live in.

“If you’re unsure, do give your insurance provider a call to discuss what your policy covers, and what the next steps are for claiming,” Turnbull said.

“We’re aware of the ways climate change is affecting our communities,” Turnbull said. “Our data clearly shows the frequency of large events, and the severity of the damage they cause, increasing over time. Tower now shares flood risk ratings with all New Zealanders and uses this data to align your insurance with the level of risk for your property, to ensure you and your biggest asset are fully protected.”