Home Insurance

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Duty of care dilemma around rogue landlord

Question: The Landlord has a meth claim. Insurer has accepted claim and paid a cash amount based upon a cleaning quote.  Insured / Landlord has told us they will be keeping the money and not cleaning the property. The M...

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Does contents insurance cover a second property?

Question: A client owns a unit in a body corporate with very little contents, and they do not want insurance for these. They have another property with contents insurance. Would their section 2 liability be covered under thi...

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Gradual damage question

Question: We have a client that has discovered gradual damage due to a fault in the shower mixer. There has not been any visible signs of any damage until the client pulled some furniture out from a bedroom wall. At this stage, v...

FSCL Case Study

Insurance broker meth dispute

Simon* owns a small rental property in Christchurch and approached an adviser for help with insurance. The adviser gave Simon several policy options, one of which suited his needs. Simon took out the insurance and tenants moved in....

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Support for Levin community hit by tornado

The Government contributed $100,000 to a Mayoral Relief Fund to help the Levin community following a tornado in the North Island town.  Minister for Emergency Management Kiri Allan said: “My thoughts are with everyone...

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Vermin problem

Question: Birds have set up nests in the outdoor component of our client’s combine heater & hot water system causing both direct & resulting damage. The policy exclusion states cover is excluded for damage...

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EQC cap causes concern

The insurance sector is set to experience a shake up after the government ann...

News of an increase to the EQC building cap has been met with concern by some within the insurance sector, with warnings it could undermine an already competitive industry and unfairly penalise those who live in low seismic-risk parts...

IFSO Case Study

Methamphetamine contamination confusion

Through a financial adviser, a couple held insurance on a rental property. In June 2020, the couple discovered that their rental property had been damaged by methamphetamine contamination. They made a claim through their financial...

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Shared fence dispute

QUESTION: Our client has a shared fence with a neighbour. The fence blew down during some of the big storms. Our client provided a quote to their insurer that stated repairs costs and replacement costs. Their Insurer...

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What is ‘gradual change’?

QUESTION: A client had a bird nest under some roof tiles which caused water to get into a lounge ceiling. The property is the insured's weekend home and the water damage to the ceiling was not found until the following...

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Supply of goods inclusion in PL

QUESTION: We have a client who was engaged to renovate a home. This involved replacing some flooring with secondhand tawa flooring to match existing. The flooring was purchased from a dealer but once laid and sanded back was...

IFSO Case Study

Warning for landlords after animal mess

A warning has been issued for landlords whose tenants keep animals – or in this case, a covert pet refuge centre. The Insurance & Financial Services Ombudsman, Karen Stevens, issued the warning after a landlord was...

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Cricketing quandary

QUESTION: A local cricket club was playing a game of cricket. A player during the game hit a ball, it cleared the boundary and hit a neighbouring property, causing damage. Under the Public Liability policy in place for the...

FSCL Case Study

Nowhere to hide for hidden costs

In 2020, two small business owners began to suspect that their former insurance broker had charged them fees without telling them. When they first placed their insurances through the broker in 2016, the broker sent them a bundle of...

FSCL Case Study

High value item risk

A client arranged travel insurance for her holiday in Spain through an insurance broker. The broker asked her about the details of her holiday and whether she had any pre-existing medical conditions. The broker did not ask whether...

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