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Blurtie

277 posts

Ultimate Geek


#277137 28-Sep-2020 12:20
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Hey all, 

 

I know there are a few Chch residents here, I need your help/advice on our house on how to proceed.

 

We're post earthquake arrivals to Christchurch and purchased our place back in June 2018 (1920s bungalow), all EQC works were signed off and complete and we've had the claims assigned to us as part of the S&P. There were two claims lodged which were pretty minor, and well under the cap. 

 

After having a read of various articles in the media as well as hearing (horror) stories from work mates, it seems the entire scope and/or repairs left a lot to be desired.. We have a number of cracks around the ring foundation - some look minor, 1 is quite big. We got in contact with GCCRS and have lodged an application under the govt's onsold provisions. 

 

GSSRS sent out a 'building specialist' who had a quick look round the house, didn't see him take any notes, but reported back and said he did not consider there to be evidence of earthquake damage to reopen the EQC claims. As our house has little ground clearance, he could not get under the house to check. 

 

So it's my understanding that the ball's in my court now and we can either accept the findings or continue to do some further investigations. Both obviously have their pros/cons - which I'm sure will be known by Chch residents. 

 

However, we're thinking of taking it at least to the next step and getting a critter crawler in to survey the underfloor. Or would it be better to engage an engineer first? What have you done or what would you suggest as the next step? Recommendations on engineers or underfloor inspectors would also be welcomed.

 

I presume our biggest hurdle is trying to prove the cracks/damage were earthquake related damage and not there pre earthquake. I appreciate that we're probably opening Pandora's box by investigating further, but I think it's the best course of action - unless you think different?

 

As an aside - not sure how relevant this might be, but the section the house was on was sub-divided post earthquake, and they did some tests on the ground for foundation work - it came back as being rated TC3 land, previously the section/area the house was on was rated TC2. To my limited understanding, it seems to suggest that the land was a bit more mushier that first thought, so could suggest that there might be some damage there?

 

Thanks all.


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esawers
384 posts

Ultimate Geek


  #2575297 28-Sep-2020 13:29
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We are going through the Onsold process at the moment. We didn't go through GCCRS, but instead used the Onsold Application form through the EQC website: 

 

https://www.eqc.govt.nz/canterbury/on-sold-over-cap-properties#node-detail-1999

 

 

 

EQC appointed a Claims advisor, who appointed a builder, and they met us at the house about 4 months ago to look at the damage. They then appointed an Architect and an Engineer and commissioned reports on the whole house, which have only just come through last week. Next step is to meet the builder onsite again this week to do his Scope of works now that the reports are through. We have dealt with EQC for 2 rebuilds so far, and I have found them 100% better to deal with this time than they were 5 years ago. I should point out this house is on TC1 land, but is Art Deco. 

 

At the start of this process they said we would have to commission and pay for all of the reports, and they would include it as part of the final payout, but so far they have covered them all. 

 

 

 

Have you formally applied for the Onsold programme? (as the deadline to apply is coming up fast!)

 

 

 

Edit: The Engineer they sent did a cavity critter, and drones over the roof. 


Blurtie

277 posts

Ultimate Geek


  #2575305 28-Sep-2020 13:54
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Thanks for the helpful info.

 

Yes, we have applied for the onsold programmed but we've received communication from EQC saying it's ineligible as it's still undercap atm and they have no supporting info to determine if it will exceed EQC's cap - so that's the basis of my understanding that the ball's in our court to get this additional info.. We have asked them to keep it open for the time being while we determine the next steps. 

 

But that's interesting to see (and hear) that your dealings with EQC is much better than previously. Can I ask if you're claim(s) were still open when you purchased your property? Just trying to understand why it seems EQC seems more willing to commission the required reports.

 

I wonder if I pushed back to the GCCRS if they would do the same. I also wonder if I should've just go straight to EQC in the first instance. It seems like the first step is probably to try and get one or both or our EQC claims reopened, and it seems that would involve commissioning at least an underfloor inspection.

 

Also, it sounds as though you're happy with the builders/engineers, would you mind passing that info over? Happy if you would rather do it through PM. 

 

Cheers


 
 
 
 


Paul1977
3413 posts

Uber Geek


  #2575377 28-Sep-2020 14:35
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I have no personal experience with them and have no idea what they cost, but when you Google about undetected earthquake damage to rubble ring foundations in Christchurch one name that pops up a bit is Bevan Craig of Underfoot Services.


Blurtie

277 posts

Ultimate Geek


  #2575405 28-Sep-2020 15:30
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Thanks Paul, 

 

Funnily enough, Bevan Craig rings a bell, it seems he was featured prominently in the articles I've read on Stuff - which pretty much kicked this off. Will look to get him a call.

 

Cheers


esawers
384 posts

Ultimate Geek


  #2575505 28-Sep-2020 17:26
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Blurtie:

Thanks for the helpful info.


Yes, we have applied for the onsold programmed but we've received communication from EQC saying it's ineligible as it's still undercap atm and they have no supporting info to determine if it will exceed EQC's cap - so that's the basis of my understanding that the ball's in our court to get this additional info.. We have asked them to keep it open for the time being while we determine the next steps. 


But that's interesting to see (and hear) that your dealings with EQC is much better than previously. Can I ask if you're claim(s) were still open when you purchased your property? Just trying to understand why it seems EQC seems more willing to commission the required reports.


I wonder if I pushed back to the GCCRS if they would do the same. I also wonder if I should've just go straight to EQC in the first instance. It seems like the first step is probably to try and get one or both or our EQC claims reopened, and it seems that would involve commissioning at least an underfloor inspection.


Also, it sounds as though you're happy with the builders/engineers, would you mind passing that info over? Happy if you would rather do it through PM. 


Cheers



Our claims were closed and all repairs were done when we purchased the property.

The Engineer was commissioned by the builder, we were happy(ish) with the report but I have spoken to many people who were not happy with this company - so I won’t recommend them :)

There is a Facebook group ‘EQC and Insurance Woes’ which might be helpful for you as well.

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