NHCover Dispute Resolution and Code of Insured Persons’ Rights Review

Glossary of terms used

  • Act

  • Applicant

    The person with a dispute who applies for mediation or adjudication. Usually this is the insured homeowner.

  • Code

    Code is used for short to refer to the Code of Insured Persons’ Rights that outlines your rights when you have a natural hazard claim and the obligations of NHC Toka Tū Ake (or an insurer working on their behalf) in managing your claim.

  • Natural hazard

    The Natural Hazards Insurance Act 2023 defines natural hazards as earthquakes, hydrothermal activity, landslides, tsunami, volcanic activity, floods, storms, and natural hazard fires.

    The normal action of the wind or water causing gradual erosion (for example, coastal erosion, bank erosion, and sheet erosion) is not a natural hazard.

  • NHCover

    The Natural Hazards Commission Toka Tū Ake provides natural hazards insurance cover for homes and some residential land within the financial limits set out by the Natural Hazards Insurance Act 2023 – this is known as Natural Hazards (NH) Cover. Generally, everyone with valid private insurance for their home or holiday home that includes fire insurance pays the Natural Hazards Insurance levy and has access to the NHCover insurance.

  • Parties

    The people involved in a dispute are referred to as ‘the parties’ - this usually includes the applicant and a representative from NHC Toka Tū Ake but there can be others.

  • Rules

  • Technical advice

    Technical advice may be used to establish whether property damage was caused by a natural hazard, and what that damage is. Technical advice may be given by experts, including: assessors, estimators, surveyors, valuers, engineers, builders and drainage specialists.