Holding EQC to the Act - A public justice project for all Kiwis 

Did EQC really fix your home?


Latest Developments

EQC seeks clarity on ‘on-sold overcap’ issue

Dame Silvia Cartwright to lead inquiry into EQC

Failed Foundation Repairs

Congratulations to Mel Bourke on being awarded the Kiwibank Local Hero medal.

The regional judging is complete and we can now name this years Kiwibank Local Hero medal recipients includes Mel Bourke, a driving force behind EQC Fix and championing the rights of earthquake insurance claimants.


The Kiwibank Local Hero award recognises those whose selflessness and determination has made a difference in the community. It provides a special opportunity to all New Zealanders, who have witnessed or experienced the contributions made by this years medal recipients, to say thank you, we appreciate what you are doing to make our communities better.

Details here.

Lesson 5: symptoms of PTSD in primary school children

…”across the region, the demand for mental-health services remains high. Demand for child and youth services has doubled since 2010; mental-health assessments undertaken at Christchurch Hospital’s Emergency Department have jumped 150%; the number of adults seeking community support has grown by a third.”(Noted, 3rd May 2018).

Lesson 4: 93% of homes checked by MBIE Fail

In 2015 MBIE complete a survey and 93% of homes fail to meet the standard. In 2017 and 2018 many homeowners are discovering under repaired and under scoped damage. MBIE Guidance does not superseded the EQC Act - ‘as new” is the legal obligation. Please share the lesson.

Lesson 3: more than 5000 households still with damaged homes

Eight years on, more than 5000 households are struggling with damaged homes. Some say, EQC is not going anywhere, but was it not right for them to under repair or under assess at the cost of people and our economy. Please share the lesson.

Lesson 2: botched repairs more than $1 billon?

Eight years on, the week 2 lesson from Christchurch. The decision to under assess homes by the EQC could leave the New Zealand tax payer out of pocket. It is the EQC Act that sets the standard, no one person, or organisation has a right to deviate in any way from that standard. Please share the lesson.

Lesson 1: Canterbury suicide numbers increase

Week One lesson from Christchurch. It is unacceptable that eight years on people are still living with unresolved claims. They are not complicated. Many are simple. Many are because the EQC, Southern Response, and private insurers failed to correctly scope damage. We believe the issues are being experienced by those with Kaikoura claims too. Please share the lesson.

Steel & Tube fined $1.9m for misleading over steel mesh

steel mesh: what does it mean?

The Commerce Commission issued criminal proceedings against four steel manufacturers under the Fair-Trading Act. They did this because they believed the steel mesh being sold to residential property owners did not meet the required Standard

Southern Response Position on Limitation

Some welcome news for the Southern Response 'customer', (who technically aren't customers in the truest sense of the meaning of a customer). Unlike IAG, who is constantly seeking new insurance business and therefore new customers - IAG continues to take a hard line approach with its customers compared to Southern Response and Tower Insurance. 

IAG LIMITATIOn Urgent action needed

IAG seem determined to use the 1st July 2018 as its Limitation defence date, when other insurers such as Tower Insurance  and Southern Response have a more responsible approach. This is relevant if you are under or over cap. We have information on our site to help you, go via our main menu or click HERE.

"There are about 1,700 claims with EQC for defective assessment/repair.  Many of these (and others still to come in) might relate to rubble foundations.  It is possible may will go ‘over-cap’ and be transferred to the insurer.  IAG could get up to 50% of these claims.  Most will not even get to IAG before 30 June." Please note, the text in italics was provided to EQCfix, it has not been validated, is not our opinion, so any factual errors are therefore not our responsibility.

Ministerial Advisor  Report

At 1:00pm 6th June 2016 the Report of the Independent Ministerial Advisor to the Minister Responsible for the Earthquake Commission was released

Read the report and other documents here

Earthquake Commission Amendment Bill

This bill amends the Earthquake Commission Act 1993. Submissions are now being accepted.

Submission deadline: 31 May 2018


EQC Minister: Houses not properly assessed could cost millions

EQC 'on-sold' liability could cost as much as $1 billion. EQC boss knew of repair problems for a year. According to RNZ Morning Report, the Former Christchurch earthquake recovery minister Gerry Brownlee said this is a crisis being manufactured.

Homeowners are left with no option - sue IAG before 30 June

our last meeting for 2017. EQCfix covered three critical topics. 

demystify land claims

  • Buying or selling? Understand assignment of claims.

  • Worried you’ve been underscoped / under assessed by EQC?

  • Was your claim discharged by Southern Response?

Thank you to all those who attended our last public meeting for 2017.

See presentation from Grant Shand on Southern Response and the Concealed DRA’s

Event speaker list and details here

Message from the Hon Dr Megan Woods


EQC obligations under the EQC Act

A timely reminder for Kaikoura claimants to read the Joint Statement agreed to by EQC 28 April 2016. Know your rights. Also check out this guide to the Claims Process.

Urgent Attention: Limitation Act

urgent action required by IAG customers

In respect of "on-sold" properties IAG will not confirm that it has agreed to defer the LP defence to 30 June 2018.  It appears that IAG is going to claim that re. "on-sold" properties it can rely on the LP defence from 4/9/17.

November 2016 Earthquake

Serious questions for EQC and your insurer

Many questions from claimants and experts have been raised about how EQC and insurers are dealing with assessments and the claims process following the November 2016 earthquake. Consider if these questions are important to your claim.


While we do not necessarily accept that the limitation period for Canterbury claims will expire on 4 September 2017, we are concerned that some insurers may consider that it does expire then, and that they may rely on it as a defence to any claim you may be required to bring. 

We have just added several templates for claimants to request an extension from their insurer to the limitation period imposed under the Limitation Act 1950 and/or Limitation Act 2010. This is very important for any homeowner with a claim. You should take action now

Other template available include: 

Expert legal opinions

Q&A from legal experts

EQC Fix has just added expert legal opinions on the burning questions many of you will have around your insurance claims.

Joint declaratory statement with EQC

EQC Group Action Settlement

A group of 98 Canterbury homeowners has won a landmark settlement with the Earthquake Commission (EQC) following a bid for a joint declaratory statement. The joint statement is relevant to anyone with settled or unsettled properties with EQC dwelling claims. But what does it all really mean for you?

A packed public meeting was held at the Transitional Cathedral, 12 May 2016, with the aim to inform home owners of the joint statement/agreement reached and its implications for them and their property. Radio New Zealand Checkpoint - John Campbell previews the public meeting - Listen to the interview

Recent News

Canterbury High Court quake insurance cases filed/disposed


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Everyone else will be able to point to it and say ‘well EQC, you’ve now agreed to the group that this is the standard you’ve got to meet and you haven’t done that at my place. Please explain, please do it properly or please pay me more’.
— Peter Woods, Anthony Harper
Given that consideration of repairs to foundations quickly pushes most properties over-cap, insurance companies may find themselves facing a surge of new claims, possibly equal in number to what they have dealt with so far.
— Dr Michael Naylor, a senior lecturer in finance and insurance at Massey University
Astoundingly, EQC is clinging to the position that it has always dealt with home repairs on a ‘when new’ basis, despite its making repeated public statements and telling homeowners that its job was to fix damage to a pre-quake level.
— Editorial, The Press, Fairfax Media
Because EQC has chosen to refuse to admit it was wrong, it has decided to phrase the agreement as merely reaffirming what it is already doing.

This means that the concession is unlimited, as all prior claimants can ask for a review. This expands its liability hugely.
— Dr Michael Naylor, a senior lecturer in finance and insurance at Massey University
In our view, the ruling has significance. The EQC’s catalogue of mismanagement, miscommunication and missed opportunities for redemption continues to grow.
— Editorial, The Press, Fairfax Media