marsden_online: (dragon)
This Press/Stuff article has a Q & A at the bottom. Particular to my point
Q. Will uninsured residents be able to apply for the temporary financial assistance?

A. Only in exceptional circumstances. If you don't have insurance or your insurance policy doesn't cover temporary accommodation and you require assistance, please visit one of the Canterbury Earthquake Temporary Accommodation Service offices to discuss your circumstances.

"Uninsured residents" to me includes not only a hypothetical family who might have scraped together a deposit to buy but have found themselves skimping on insurance to make ends meet, but also the very real example in this article on SeaBreeze Close I linked to in an earlier post.
But for a cruel twist of fate, McConchie, 32, wouldn't be here. She and her partner had separated and moved out of the four-bedroom home, putting it on the market and accepting an offer of $400,000, the same amount they paid for it. By September 4 the sale had gone unconditional, but they agreed to let the contract go after the quake hit.

Because she was not living in the house at the time, McConchie was not eligible for emergency rental payments from her insurance company, AMI. She stayed with her parents but in December decided to move back into the badly damaged home, as storage was costing her a fortune and her dog and three cats were overcrowding her parents. She is now paying a mortgage, rates and insurance by herself.

Ms McConchie has been in the media, so I've no doubt she'll be considered in "exceptional circumstances". I've equally little doubt that many other people who most need help won't be.

But I guess to John Key and the rest of National those people are just more who made poor choices.

~~~
On the personal claim front, I was contacted by EQC today to confirm my second claim. However since I haven't been contacted or assessed for the -first- one yet the second had to be put back on the merry-go-round.

Several people I know have seen assessors over the past couple of weeks, so I hold out hope.

Date: 2011-02-19 07:14 am (UTC)From: [identity profile] pepperbeast.livejournal.com
It doesn't really affect that family who have scraped up a deposit-- having scraped up a deposit myself, I can tell you that house insurance is a condition of getting a mortgage.

Date: 2011-02-19 07:20 am (UTC)From: [identity profile] misplaced-ice.livejournal.com
The problem is that, usually, Temp Accommodation is covered under contents not house.
So they may have house insurance but no contents insurance.

Date: 2011-02-19 07:19 am (UTC)From: [identity profile] misplaced-ice.livejournal.com
The government should certainly step up to help but, and I am biased, I can't help but feel a little frustrated at the people who had no house insurance. If you can afford to buy a house, you should be able to pay insurance. House insurance isn't even expensive (in the grand scheme of buying a house). It should be compulsory. If you can't afford to pay house insurance, don't buy a house.

Contents insurance is a little more tricky because you have to live somewhere and I know not everyone can afford contents insurance.

On a side note: Temporary Accommodation cover is cover if the house you are residing in is unfit to live in. Unfortunately for Ms McConchie, it's a pretty black and white thing.

Date: 2011-02-19 07:33 am (UTC)From: [identity profile] marsden-online.livejournal.com
I love having people with industry experience who can comment :D

My real gripe is that I (like to) believe we live in a country with a decent social safely net to help people who get screwed over through circumstances outside their control, and this looks to me like the Government -deliberately- failing to deliver on that.

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