Insurance providers across New Zealand have initiated support measures and started processing claims in the wake of severe weather events that recently affected parts of the upper North and South Islands.
As emergency conditions ease, focus is shifting to recovery efforts in areas including Nelson, Tasman, Marlborough, and Auckland.
The Insurance Council of New Zealand (ICNZ) is advising policyholders to begin clean-up operations where conditions allow while also ensuring they take appropriate steps to document any losses.
ICNZ chief executive Kris Faafoi acknowledged that not all residents may be in a position to file claims immediately.
“While it’s important to contact your insurer as soon as you can, don’t wait to prevent further damage if it’s safe to do so,” he said.
Insurance representatives are stationed at the Motueka Recreation Centre to assist residents directly as part of a local coordination effort by Nelson-Tasman Emergency Management.
Policyholders are being advised to retain receipts, take photographs of damage, and avoid discarding any items before documenting them.
These early claims include damage from flooding (54), wind (71), and water intrusion (101), along with 147 claims related to other causes such as tornadoes and debris damage.
Stephannie Ferris, executive general manager of claims across the three brands, said the numbers are expected to increase as more residents return home.
In addition to handling claims under standard insurance policies, insurers are managing property damage assessments and payouts under NHCover, which they administer on behalf of the Natural Hazards Commission (NHC).
The Insurance & Financial Services Ombudsman (IFSO) Scheme has also issued guidance to help residents avoid claim complications.
Ombudsman Karen Stevens emphasised the need for safety and detailed record-keeping.
“The most important thing is to put safety first, especially when properties have been flooded with contaminated water,” she said. “But when it’s safe to begin the clean-up, it’s essential to document everything before throwing items away. That means taking photos or videos of the damage and making a detailed list of what’s been affected.”
The IFSO Scheme advises taking clear photos and making an inventory before discarding any damaged items.
Keeping proof of ownership, such as receipts or purchase records, can help avoid disputes later in the claims process.
Stevens also urged caution regarding repairs.
“You’re expected to do essential repairs to prevent further loss, but before starting non-urgent work – like removing wall linings or ripping up floors – check with your insurer. Insurers and homeowners don’t always agree on what’s essential, and acting too soon could create issues for your claim,” she said.
ASB has introduced relief options for customers experiencing financial hardship due to the storms. These include the option to defer home loan principal repayments, emergency overdraft access, and working capital support for business and rural clients.
Adam Boyd, executive general manager for personal banking at ASB, said the bank is offering case-by-case assistance.
He also encouraged property owners to review their insurance coverage to ensure it reflects any recent changes to the property.
“We encourage property owners to check their policies are up to date and their coverage is sufficient, particularly if there have been renovations to the property,” Boyd said.
ASB customers needing assistance are advised to contact the bank’s hardship team or reach out to their relationship manager.
