When water invades your home or business, the damage can be swift and overwhelming. From soaked floors and ruined belongings to structural issues and hidden mould, the impact runs deep. But beyond the physical restoration lies a complex process many people aren’t prepared for: navigating flood insurance claims.
Call us now for immediate assistance!
Whether you’re dealing with water flooding your house or trying to recover from a recent disaster, this guide will walk you through the flood damage restoration process and what to know when filing an insurance claim in New Zealand.
Understanding Flood Damage and Restoration
Flood damage can affect every corner of your property—from flooring and carpets to wall cavities, electrical systems, and insulation. Prompt action is key to limiting damage and reducing restoration costs.
Common Types of Flood Damage:
- Structural issues: Water can weaken walls, flooring, and foundations.
- Electrical hazards: Flooding can compromise wiring and appliances.
- Contamination: Floodwater often carries bacteria, chemicals, and waste.
- Mould growth: Damp environments promote rapid mould infestation, which impacts air quality and health.
The Flood Restoration Process:
At RESTATE, our flood restoration services are designed to respond quickly and comprehensively—helping minimise damage and support your insurance claim every step of the way:
- Initial Damage Assessment
We begin with a thorough inspection of affected areas, identifying the extent of water damage and potential hazards. This stage includes photographic documentation and can be used as part of your insurance report. - Water Removal and Drying
Using specialised flood restoration equipment, we extract standing water and rapidly dry structures and contents to prevent secondary damage. - Mould Prevention and Decontamination
We apply antimicrobial treatments to reduce the risk of mould and bacterial growth, especially in high-moisture areas. - Structural Drying and Repairs
From wall linings to flooring, we address all structural concerns—restoring your property safely and professionally. - Monitoring and Final Evaluation
We provide detailed reporting, including moisture readings and restoration outcomes, which can be submitted directly to your insurer to streamline the claims process.
Every home and situation is different, but our approach to flood damage repair is backed by industry standards and practical experience across Auckland, Hamilton, and wider New Zealand.
Flood Insurance in New Zealand: What’s Covered?
Flood insurance coverage in New Zealand is typically a combination of private insurance and natural disaster insurance via the Earthquake Commission (EQC). However, EQC’s coverage for flood damage is limited—it only applies to land, not buildings or contents.
This means you must have a private home insurance policy with flood cover to ensure you’re fully protected.
What Flood Insurance Typically Covers:
- Removal of water and debris (flood cleanup)
- Structural repairs
- Drying and dehumidification
- Contents cleaning and replacement
- Temporary accommodation (depending on your policy)
What May Not Be Covered:
- Gradual water damage (e.g. from blocked gutters)
- Damage caused by negligence
- Pre-existing issues not disclosed during underwriting
Check with your insurance provider to confirm the details of your flood damage insurance and whether your policy includes flood remediation or full flood restoration services.
How to File a Flood Insurance Claim
Act quickly after a flood. Delays can impact both the extent of damage and the success of your claim.
Steps to Take:
- Document Everything
Take clear photos and videos of all affected areas before beginning any major cleanup. This evidence is critical to support your claim. - Engage a Professional Restoration Company
Contact a licensed flood restoration contractor like RESTATE as soon as possible. Starting mitigation efforts quickly—such as water extraction and drying—helps prevent further damage and is considered acting in your insurer’s best interest. Many insurance policies expect homeowners to take reasonable steps to reduce loss. - Contact Your Insurer Immediately
Notify your insurance provider of the flood event, lodge a claim, and provide them with any initial documentation. Inform them that mitigation is underway. - Get a Professional Assessment
Request a detailed flood damage assessment and report from your restoration provider. This document will support your insurance claim and outline the scope of required repairs. - Keep Records
Save all receipts, correspondence, photos, and contractor quotes. These documents help validate your claim and track progress.
Do You Need a Professional Flood Restoration Company?
Yes—especially when it comes to satisfying your insurance provider. Most insurers require detailed reporting and industry-compliant restoration efforts.
Hiring certified flood restoration contractors ensures:
- Faster and safer drying of your property
- Documentation accepted by insurers
- Mould and contamination risks are professionally managed
- Hidden moisture or damage doesn’t go unnoticed
How Much Does Flood Restoration Cost?
Flood restoration costs vary based on the extent of damage, property size, and response time.
Here’s what can influence flood damage cost estimates:
- Severity and spread of water
- Contaminants in floodwater
- Flooring or subfloor replacement
- Drywall, insulation, and electrical repairs
- Specialised equipment like air scrubbers or dehumidifiers
Some average ranges:
- Small (Corner of 1 Room or Similar): From $500
- Average (1-2 Rooms): $1,000 – $5,000
- Large (3-5 Rooms): $3,000 – $10,000
- Complex (Upstairs to Downstairs or Sewerage or Overland Flood): $3,000 – $10,000+*
*These are guideline figures and may differ significantly depending on many factors.
Many homeowners search for flood cleanup near me or flood restoration near me—just be sure the company you choose is insured, reputable, and experienced with insurance claims. The cost of water damage is often much more than initial estimates when it is delayed, prolonged or ignored entirely.
Learn More: Salvaging Belongings After a Flood
Flood Recovery: What Else Should You Know?
- Time Matters: The longer water sits, the greater the damage and cost.
- Not All Water Is Equal: Black water (from sewage or rivers) requires biohazard precautions.
- Your Safety Comes First: Always wait for clearance before entering a flooded property.
- Insurance Doesn’t Mean Stress-Free: The process can be complex—partner with professionals who understand it.
RESTATE: New Zealand’s Trusted Flood Damage Repair Experts
RESTATE specialises in fire and flood restoration across Auckland, Hamilton, and other regions of NZ. We provide:
- Fast-response flood restoration services
- Supportive guidance through your insurance claim
- A team of trained professionals equipped with industry-leading tools
We’ve worked with homeowners, property managers, government agencies and insurers to bring homes back to safety and comfort.
Need Help After a Flood? Contact RESTATE Today
If you’re searching for flood cleanup companies or flood restoration contractors that understand both the technical and insurance side of restoration, you’re in safe hands with RESTATE.
Let us help you recover quickly and cost-effectively with minimal disruption and maximum care.
