A GUIDE TO UNDERSTANDING YOUR
LAND CLAIM BEFORE IT’S SETTLED.
1
WHICH PARTS OF MY LAND ARE COVERED?
EQC covers the land on which your home sits, plus land within 8 metres of the home or outbuildings – like the garage or shed.
We also cover land within 60 metres of your home that is part of or supports the main access way from the boundary. This doesn’t
include artificial surfaces like concrete or asphalt that cover your driveway – but they might be covered by your private insurance policy.
EQC land cover includes bridges and culverts within 8 metres of your home, or on land within 60 metres that is part of or supports
the main access way from the boundary. EQC land cover also includes retaining walls and their support systems necessary to support
or protect the home or insured land, if they are within 60 metres of your home.
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0800 326 243
OR VISIT
eqc.govt.nz
For more information visit eqc.govt.nz/land, call 0800 326 243
or continue reading this guide on the next page.
A GUIDE TO UNDERSTANDING YOUR
LAND CLAIM BEFORE IT’S SETTLED.
2
WHAT DO WE CONSIDER DAMAGED LAND?
EQC considers land damage to be land that’s been significantly physically altered as a direct result of an earthquake,
and that change has affected the use of the land.
These sorts of changes include:
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0800 326 243
OR VISIT
eqc.govt.nz
•Land cracking
•Local settlement causing drainage issues
•Undulating land
•Groundwater springs
•Local ponding
•Inundation by ejected sand and silt (liquefaction)
For more information visit eqc.govt.nz/land, call 0800 326 243
or continue reading this guide on the next page.
A GUIDE TO UNDERSTANDING YOUR
LAND CLAIM BEFORE IT’S SETTLED.
3
WHAT TO EXPECT IF YOUR LAND HAS
AN INCREASED VULNERABILITY TO
LIQUEFACTION OR FLOODING.
If you’re one of the people whose land has an increased vulnerability to liquefaction or flooding, we’ll be taking that into
account when we settle your claim. If you’re not sure whether you’re affected, don’t worry – we will be contacting customers
individually to explain what it means to them.
CALL
0800 326 243
OR VISIT
eqc.govt.nz
For more information visit eqc.govt.nz/land, call 0800 326 243
or continue reading this guide on the next page.
A GUIDE TO UNDERSTANDING YOUR
LAND CLAIM BEFORE IT’S SETTLED.
4
HOW WILL MY SETTLEMENT BE CALCULATED?
The settlement amount for your land claim is usually calculated using either the cost of your repairs or the valuation of your
damaged land – whichever amount is lower. The value of your land will be calculated by an experienced valuer who is familiar
with the Canterbury market.
It’s important to remember that an excess will be deducted from the final amount of each land claim. If the claim is $5,000 or less,
EQC will deduct an excess of $500 – but if the claim is greater than $5,000, the excess will be 10% of the total amount at a maximum
of $5,000 per claim.
CALL
0800 326 243
OR VISIT
eqc.govt.nz
For more information visit eqc.govt.nz/land, call 0800 326 243