Each year initio sees a significant rise in claims during the winter months. Traditionally winter is time of the year when we see the most storms, flooding and water damage. Winter is also when we spend the most time indoors. Not surprisingly most residential house fires occur during winter. Learn more
Renovating your home
Your home insurance policy does not cover you for construction related damage while your are renovating your home. For example, if a tradies skill saw catches on fire and burns part of your home your home insurance policy would not pay the claim. Or if you removed a window, and an… Learn more
Heard about TINZ?
T.I.N.Z. is New Zealand’s largest tenancy database. If you’re a landlord and you’re self managing your rental properties, you need to join T.I.N.Z. If you’re a property manager, you probably already know how useful the Tenancy Information NZ database is. Once you have registered with T.I.N.Z. (free for… Learn more
Ex Severe Tropical Cyclone Gita
After causing considerable damage and devastation in Tonga, Gita is threatening to hit New Zealand. Met Service have issued heavy rain warnings and strong wind warnings covering a wide expanse of the country. States of emergency have been declared in Christchurch and Buller. If you are affected by flooding and… Learn more
What is a Gradual Damage claim?
Your initio home insurance policy covers sudden, accidental damage to your home. An insurance policy is designed to help you recover from unexpected losses that can not be prevented. It is not a maintenance contract, and is not designed to cover wear and tear. With any insurance policy there are… Learn more
A severe weather watch has been in place for much of the country as Cyclone Fehi wreaks havoc. If you are affected by flooding and damage, please follow these steps for managing your loss. Secure your property Take care of yourself and your property to prevent further loss or damage. Learn more
Once again wild weather is storming up and down the country. As the water damage claims start flooding into the initio team, it seems like a good time to give you some tips on managing storm damage. Secure your property Take care of yourself and your property to prevent further… Learn more
Congratulations Frank Risk Management Last night our friends and colleagues at Frank Risk were recognised with the Australia New Zealand Institute of Insurance and Finance (ANZIIF) Small-Medium Broking Company of the Year Award. This is the second year in a row they have won the award. Frank Risk Management… Learn more
Understanding what is Landlord Insurance?
Landlord, or Rental Property Insurance is an insurance policy that specifically covers the property owner (Landlord) for their Rental Home and some of the risks associated with being a landlord. Owning and insuring a rental property is a bit different from owning and insuring your own home. That’s why it’s… Learn more