A few things to keep in mind as a property owner in NZ:
Protect yourself, your whanāu, and your investment.
Check your insurance: Make sure you have adequate insurance coverage for natural hazards that are common in your area. Homeowners insurance policies in New Zealand typically cover damage from natural disasters, but it’s important to double-check your policy and make sure you understand what’s covered.
Maintain your property: Keeping your property well-maintained can help prevent damage during natural disasters. For example, trimming trees around your property can reduce the risk of falling branches during high winds.
Secure your property: Take steps to secure your property against natural hazards. This might include installing storm shutters, reinforcing your roof, or retrofitting your home to make it more earthquake resistant.
Stay informed: Keep up to date with weather and hazard alerts issued by local authorities. This will give you time to prepare and take action if necessary.
Have an evacuation plan: If you live in an area that’s at high risk for natural disasters, have an evacuation plan in place. Make sure everyone in your household knows the plan and where to go if you need to evacuate.
Have an emergency kit: Prepare an emergency kit that includes essentials like food, water, first aid supplies, and flashlights. Make sure everyone in your household knows where the kit is stored and how to use its contents.
Protect yourself and your whanāu
Knowing the natural hazard risks of your property can help you identify potential dangers and take appropriate safety measures. For example, if your property is located in an area prone to earthquakes, you may need to secure heavy items like furniture and appliances to prevent them from falling and causing injury.
Mitigate your home against risk from the elements
Understanding the natural hazard risks of your property can help you take steps to futureproof against damage to your property. For example, if your property is located in an area prone to flooding, you may need to elevate your home or install flood barriers to prevent water damage.
Ensure your home has adequate coverage
Landchecking your property can help you make sure that you have the right kind of insurance policies that are optimised to protect against the kind of damage that is most likely to threaten your investment. It’s important to understand what risks you face and what coverage you need.
