Published: 8 April 2025
Tips to protect your home and contents against climate risks
New Zealand has faced some major climate-related disasters in recent years, including the 2023 Auckland floods and Cyclone Gabrielle. Currently, around 750,000 residents and 500,000 buildings are considered to be at risk due to their proximity to flood-prone rivers or coastal areas*.
New research from IAG, has found the Los Angeles wildfires significantly increased community awareness and concern about natural disasters, with nearly 90% of Australians and New Zealanders indicating they will take proactive steps to protect their home and contents from bushfire or other extreme weather events**.
- Check LIM report: If the house has been identified by the council as being at risk to any natural hazards this will be included in the LIM report.
- Check the Certificate of Title: The Certificate of Title will inform you if a Section Notice has been issued. Section numbers: 36, 73 or 74 of the Building Act relate to natural hazards. Section Notices need to be declared to your insurer.
- Research risk zones: Use hazard and GIS maps from local councils to check if a property is in a floodplain, coastal erosion area, or high-risk earthquake zone. This information call also be obtained from the Council.
- Obtain insurance quotes in advance: Understanding the possible premium costs for a property allows you to plan your budget more efficiently.
- Protect your investment: Look for properties designed with durability in mind, like elevated homes or those made with flood-resistant materials.
- Think long term: A property that seems affordable now but has underlying risks could face large premiums, or become uninsurable, within a few decades as risks increase.
- Install flood barriers or raise properties above known flood levels in flood-prone areas.
- Implement fire prevention measures, such as fire-resistant materials and keep flammable vegetation away from your home.
- Improve storm-proofing (e.g., reinforcing roofs, windows, and foundations) in areas vulnerable to extreme weather.
- Know the risks in your area: Keep tabs on hazard maps and local updates to understand how risks might change where you live. For example, a zone change needs to be declared to your insurer.
- Keep your insurance up-to-date: Ensure that your home insurance covers natural disasters specific to your region. Review your sums insured to make sure they reflect the full cost of rebuilding your home and replacing your belongings.
Protecting your home and belongings from climate risks in New Zealand requires proactive planning and preparation. By implementing strategies like those suggested above and securing comprehensive insurance coverage, you can reduce the impact of extreme weather events. Contact your Rothbury Broker to help you take a proactive approach.
* Government plans new law for climate resilience | Insurance Business New Zealand
Disclaimer: The information provided in this article is for general informational purposes only and does not constitute legal, financial, or professional advice. For specific advice tailored to your situation, please consult with a qualified professional.