Screwed in the arse by insurance companies (house)

[avgas]

Sell the Guzzi and buy another caravan.
Life is never as bad as it can get.

I remember one day going into town, we took our family set of wetsuits into cash convertors, then went from there into the supermarket.
It wasn't until years later I joined the dots and realized what happened that day. Dad never said anything, and that day he even told us kids a joke and asked about school.

I hang on to that memory to remind myself that no matter how hard things get, they can always get harder and you have to keep smiling.

[ajturbo]

fuck me mate....

i could hear your pain when we spoke yesterday...

go BUY a BIG FUCK OFF Caravan... turn your new land into YOUR own trailer park...

get an eco shit hole set up....

insure for fire and theft... go fuck them..!!

you got a new home for fuck all..!!!

i am sure a big shed would help with ya toys...

oh and your warm "office" that has a w/c and shower and spare "offices"......

[willytheekid]

Oh jesus D

So sorry to hear/read this mate, If there is anything we can do to help please sing out.
Were out at waikuku and always here for ya! even if its a hot shower or just to get out of the caravan for a day/night (spare room is there for ya) we are more than willing to help.
I have a double garage that has space for the bikes or any gear you would like to store, and Im sure Charlotte & wee Ryder would love to meet the boys and your better half (great park & tennis courts across the road & beach is 2min walk away)
Just gimmie a yell mate...were here for ya D

-Willy, Charlotte, Ryder & Sooty (Our mad dog)

[Paul in NZ]

Dang - sorry to hear that D. Well eventually things will stabilise but thats no help now.

Maybe the gubbermint should buy AMI and underwrite it themselves...

[Grumph]

Well you know where I am if you need help or somewhere to park the animals

Personally I'd be using containers - 20ft ones come under the temporary structures size and don't need permits. Two close together with some joists across work well - see Phil Sutton's setup just down the road.
Spend summer getting set up for next winter and by next year things should be a bit clearer - I see ChCh is now officially in "rebuild" mode....lol.
No one's going to complain about a logburner or pot belly stove slipped in either.

[ajturbo]

Well you know where I am if you need help or somewhere to park the animals

Personally I'd be using containers - 20ft ones come under the temporary structures size and don't need permits. Two close together with some joists across work well - see Phil Sutton's setup just down the road.
Spend summer getting set up for next winter and by next year things should be a bit clearer - I see ChCh is now officially in "rebuild" mode....lol.
No one's going to complain about a logburner or pot belly stove slipped in either.

that would be cheaper than a flash trailer....
best idea yet..!!!

[avgas]

that would be cheaper than a flash trailer....
best idea yet..!!!

Seconded. Note that people in Japan are currently using ones that washed up. I kid you not.

[SPman]

Dang - sorry to hear that D. Well eventually things will stabilise but thats no help now.

Maybe the gubbermint should buy AMI and underwrite it themselves...

I thought they effectively, had bought AMI.......

[Oscar]

Joe Bennett took the piss on these dudes in a column recently...

http://www.stuff.co.nz/the-press/opi...nsurance-types

I think the relevant bit is this:

Naive citizen: Good. May I take out insurance for the rebuilding, please?

Friendly insurance person: No.

Naive citizen: Why not?

Friendly insurance person: We're not writing any new business.

Naive citizen: Why not?

Friendly insurance person: These are exceptional circumstances.

Naive citizen: But aren't exceptional circumstances the reason for taking out insurance?

Friendly insurance person: Oh, ha, ha, ha, you really are a very naive citizen.

Frankly I am with the OP on this one - Insurers are behaving like total cunts over all this. Like Joe says above - that's what insurance is BLOODY FOR!

+1 for talking to a broker - I do that anyway. But then I am not in Canterbury, eh...

The insurers are faced with claims in the order of $8b, and you expect them to take on new risks while the ground is still shaking? And then you have the temerity to call them cunts?

As a "friendly insurance person" this EQ cost me time (unpaid OT) and money (I kissed my performance bonus farewell), which I don't begrudge as it's a bloody disaster and so many people are so much worse off than I. And in the long term, it's put a serious dent in my job security as well as many others throughout the sector.

So perhaps I'll call into your business and you can call me a cunt to my face.

[Oscar]

Ohhh yeah... sit down for a good rant, Ya bout to get a ear full.
Thought I was doing the right thing for the family, (2 under 3's 2 cats 2 dogs and the missus) Sold the chch house to a needing couple they love it plan was to move to the country the boys would learn to ride rather than how to bust up bus shelters. Lumley our insurance company said they will insure us providing the geo tec report was a good one, it was as expected, so money was loaned for the land, the bank will give the rest when the house is insured.

Lumley now say NA... sorry so we are now left with land we can not do any thing with and no shelter for the family, renting in chch is unavailble and house prices are through the roof and thats if you can get one. Im fucked, what to do?

I know full well the land we have is some of the best availble, sure there was a recent quake centered out there but nothing since and the likely hood of it happening again is very rear.
No damage to the land at all accured and with a new house to be built on it with the latest quake strengthing built in it is one of the best suituations to be in should it happen... yet na, no way hose a, no insurance, not happening... farking cunts all I want is the best for my family I can achieve, so for the mean time its a 30yr old caravan for us all in a paddock... its not bloody easy, so what dosnt kill us will make us stronger... meh crock a shit.

I would have thought that Lumley's would have had to give your bank a certificate of cover before money was released?
If they did, you can hold them to it.
If they didn't the bank may be guilty of reckless lending.

[dangerous]

The insurers are faced with claims in the order of $8b, and you expect them to take on new risks while the ground is still shaking? And then you have the temerity to call them cunts?

So perhaps I'll call into your business and you can call me a cunt to my face.

ohhh settle pettle mate correct if its a 80yr old brick house in swampsville... but in my case it is on some of the best building land possible (my 3k geo tec bill says so) and the house is to be built to new standards with twice the concrete and steel etc... as a builder I know to drop it would mean there would be no south Is left.

Well you know where I am if you need help or somewhere to park the animals

Personally I'd be using containers - 20ft ones come under the temporary structures size and don't need permits. Two close together with some joists across work well - see Phil Sutton's setup just down the road.
Spend summer getting set up for next winter and by next year things should be a bit clearer - I see ChCh is now officially in "rebuild" mode....lol.
No one's going to complain about a logburner or pot belly stove slipped in either.

thanks... unfortunatly there is cavits on the land ie: no tempory buildings, can ya handle 2 burmese pricks a doppy Dobie and a nutty old staffie? the boys would be easier LOL

fuck me mate....

i could hear your pain when we spoke yesterday...

go BUY a BIG FUCK OFF Caravan... turn your new land into YOUR own trailer park...

get an eco shit hole set up....

insure for fire and theft... go fuck them..!!

you got a new home for fuck all..!!!

i am sure a big shed would help with ya toys...

oh and your warm "office" that has a w/c and shower and spare "offices"......

do you know what a 'big fuck off trailer' is worth, looked at a wee fuck of trailer and that was 66k the shit hole we are in is bigger... HUMPH

[slofox]

The insurers are faced with claims in the order of $8b, and you expect them to take on new risks while the ground is still shaking? And then you have the temerity to call them cunts?

As a "friendly insurance person" this EQ cost me time (unpaid OT) and money (I kissed my performance bonus farewell), which I don't begrudge as it's a bloody disaster and so many people are so much worse off than I. And in the long term, it's put a serious dent in my job security as well as many others throughout the sector.

So perhaps I'll call into your business and you can call me a cunt to my face.

Oscar, I'm sorry if you felt that I was attacking you personally. This was not my intention.

My issue is not with the employees of insurance companies but with the policy of not going about normal business to a point where people like the OP are forced into the sort of circumstances outlined. In this case my sympathies are with the OP rather than the insurance companies.

I also have sympathy for your own circumstances as you have outlined them. I have no wish to cause you any grief. I hope it all comes out OK for you.

[Oscar]

ohhh settle pettle mate correct if its a 80yr old brick house in swampsville... but in my case it is on some of the best building land possible (my 3k geo tec bill says so) and the house is to be built to new standards with twice the concrete and steel etc... as a builder I know to drop it would mean there would be no south Is left.

No - you (and Phil Goff) don't get it.
You could build it out of titanium with fifteen geo tech reports, but there is no insurance.

Reason 1: The ground is still shaking. Until you can find a way to make it stop, there will be no new EQ cover available in Christchurch (and very little in Wellington, for that matter).

Reason 2: There is no money, and no appetite for the business. At about the time of the last US hurricane, Reinsurance Companies ran out of reserves and started into capital, so Global Catastrophe cover is nix. If you can't buy EQ cover in Japan and California, and Hurricane cover in Florida, what chance have we got?

[flyingcrocodile46]

If I was you I would be talking hard to my lawyer about suing the buggers for making false promises which have caused loss to you. A thoughtful letter approach to start with by offering them the easy way out (honour the original offer). I reckon there is a better than even chance that they will consider it easier and cheaper to simply bend the rules and give you what you need (on the quiet though, so people don't start queuing up).

[scumdog]

Screw the softie run for cover buggers D - dunno what they've done with all MY money I've paid in over the last 30+ years and never claimed (Like a gazzilion others...)

Why can't they say "OK, we'll insure - but it will cost ya heaps" - at least then you have a choice & chance.

Build if you can somehow still talk the bank into lending you the dosh then insure for fire and theft, save a fortune for the rest of your life.