About natural hazards cover
Find out how to make a natural hazards cover claim, what's covered, and how much you're covered for.
Storm, flood, and landslide damage
After severe weather events we can contribute to the cost of cleaning up your land as a part of your settlement.
Claims
Learn about making a new claim, the claims process, and what to do when buying or selling a home with previous claims, including asking us for claim information
Our partnership with insurers
We work with most private insurers to simplify the process for making a claim for natural hazard damage.
Making urgent repairs
If your home has been damaged you may need to carry out urgent repairs to make your home safe.
Section notices
If certain section notices appear on a property title this can affect natural hazards cover and the outcome of any claims.
Canterbury earthquakes
We’re working hard to resolve outstanding Canterbury claims so no one continues to live in earthquake damaged homes.
Homeowners
Making your home safer for natural hazards
Buying a home
Make educated choices when deciding where to live.
Building and renovating
Make your investment last
Apartments and shared property
What to think about and how to prepare
Tenants
Ways to make your rental home safer
Natural hazards where you live
Know what hazards could affect the area you live in
Landlords
Ways to protect your investment
Resources
Useful information to help you prepare
Our role
We exist to reduce the impact on people and property when natural hazard events occur.
Our story
New Zealand has a history of natural hazard events that has shaped our organisation’s history, and our name.
Our people
Get to know our Minister, Board of Commissioners, and Executive Leadership team.
How we work
At NHC Toka Tū Ake we have rules, policies, and ways of working that guide what we do.
We commissioned this independent review into how our natural hazards insurance was delivered following the 2023 North Island Weather Events.
The review identifies what worked well, and areas where we can make improvements for New Zealand homeowners and our insurer partners.
Our North Island Weather Events implementation plan responds to the recommendations of this review.
You can read our accompanying news article here.