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Thursday, 19 April 2012

IAG - factors affecting the repair or rebuild decision.

IAG have posted a three page document Factors affecting whether your home can be repaired or needs replacing on the website. You can get a copy here.

The document explains:
What Guidelines does IAG use?
IAG uses the guidelines issued by the Department of Building and Housing (DBH) in its November 2011 document Revised guidance on repairing and rebuilding houses affected by the Canterbury earthquake sequence.
This document includes guidelines for assessing the damage caused to a house, based on floor levels within the house, to assist in the overall decision process of whether the house can be repaired or needs to be rebuilt.
The Christchurch City Council, Selwyn District Council and the Waimakariri District Council have accepted the guidelines.
There a couple of points to be aware of.
  * the Guidelines should be considered a minimum.
  * the Guidelines are NOT a maximum. The terms of your insurance policy may entitle you to a more work than set out in the Guidelines.
The bottom line is the Guidelines do not over-ride your policy entitlements if they are better than what is contained in the Guidelines. All the Guidelines do is set the minimum required to comply with the Building Act and local authority requirements.

Consequently, when IAG say on page 2:
 Example 2
The floor slopes 55mm over the entire length of the house, with no serious cracking. Although this is above the 50mm guideline, it is possible that the floor does not need to be re-levelled, as the integrity of the house is not affected.
they are most likely not entitled to take that attitude because it doesn't comply with the Guidelines, and your policy may entitle you to have your position restored to the way it was prior to the earthquakes.

On page 3 IAG reproduce a decision table from the Guidelines. Two columns have been transposed for Type B houses, and the very important footnotes are missing. The original document is available on the Department of Building and Housing website here. The table IAG refer to is on page 16 of the Guidelines .

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