About natural hazards cover
If your home has been damaged by a natural disaster, find out how to make a natural hazards cover claim, what's covered, and how much you're covered for.
Cover 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 by a natural hazard event, 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
Home buyers
Features to look for in a property
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
Natural Hazards Commission Toka Tū Ake aims to reduce the impact on people and property when natural disasters occur, by protecting homeowners and helping them recover from natural hazard events.
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
As a government agency we have rules, policies, and ways of working that guide what we do. Learn more about NHC Toka Tū Ake as an organisation and the work we do.
Natural Hazards Commission Toka Tū Ake funds or co-funds major sources of natural hazards data for New Zealand and models that provide inputs for decision making.
GeoNet New Zealand Geotechnical DatabaseGeoNet provides access to near real-time data and over 50TB of data archives related to monitoring natural hazards, such as earthquakes, tsunami, landslides and volcanoes. This data is used for research into understanding natural hazards and their impacts. NHC Toka Tū Ake was a founding funder in 2001 and remains the largest contributor providing approximately $14 million each year for the programme. We also fund or co-fund other key national tools such as the New Zealand Geotechnical Database, National Seismic Hazard Model along with NHC Toka Tū Ake’s PRUE, used by NHC Toka Tū Ake and reinsurers to assess natural hazard impact and financial exposure.