PHOTO: Flooded properties in Hawke’s Bay. IAG has maps of areas at high risk of flooding and is sharing them with officials. Photo: Supplied / Bryce Fergusson
The country’s largest insurer says 20,000 homes across the country are at severe risk of flooding and it is in talks with government about where flood-damaged houses should be written off for good.
IAG is part of an advisory panel that is helping the government with managed retreat legislation.
Those in regions hard hit by Cyclone Gabrielle, who want to walk away from their flood-damaged homes, need answers, among them Peter Johnstone.
He stood on the roof of his house the night Pakowhai flooded, and felt creaking and groaning and feared the roof would collapse. Two weeks on, he was shocked to learn the insurer planned to fix his home.
“The people that are there to assess are sort of saying, ‘Oh no, this is rebuild, this is a refix’, refix is the word they’re using,” he said.
“I said, ‘You be kidding me, the whole bloody lot could be condemned, Pakowhai should be condemned’. Every house in Pakowhai is munted.”
He is 75 and together with his wife has lived on the four hectares for three decades.
“It’s just daunting for me – I’m not scared of hard work but it’s daunting for me. How on earth will I get that place back up?”
They want out and have commissioned an independent engineer to determine if the yellow-stickered home is, in fact, a write-off.
Also in Pakowhai, Keith Gore and his wife live between the two rivers and also want out. An assessor visited this week.
“The assessor is out of Christchurch and he’s been in the game for 43 years,” Gore said.
“He did the Christchurch earthquake, floods at Taeri, floods at Greymouth and one other, and when he walked in our house he said: ‘This is the worst I’ve ever seen’.”
He was not impressed that the insurer wanted to scope costs to rebuild the silt-ridden house.
A damaged property in Pakowhai. Photo: RNZ / Soumya Bhamidipati
RNZ talked to three different councils in the East Coast – none would say which areas should be vacated for good.
Finance Minister Grant Robertson said on Sunday decisions need to be made quickly on whether some places should be rebuilt the way they were – before money and resources were wasted in areas that would need to be abandoned.
IAG chief executive Amanda Whiting said the insurer had maps of areas at high risk of flooding, and was sharing these with officials.
“They vary and we’ve got to do a bit more mapping yet because we’ll have to agree on the parameters that deem those high flood risk zones. But we do have a lot of that mapping available and we’ll share that with government and other stakeholders.”
IAG’s modelling shows 1 percent of homes – around 20,000 around the country – are at risk of severe flooding.
Until there was certainty over areas for managed retreat, Whiting said homeowners caught in limbo should let their insurer know if they want to relocate.
“Talk to us. As we start to get a bit of a sense of those people who are wanting to retreat that will help us with the government on a plan.”
Bryce Fergusson’s property in Waipawa during the flooding. Photo: Supplied / Bryce Fergusson
In central Hawke’s Bay, around 200 homes flooded in Waipawa on the night of the cyclone.
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