Practical claim advice

Hawke's Bay Flooding

We are dealing with a large influx of claims enquiries in the Hawke’s Bay area. Our first priority is that our customers keep themselves safe. If you are unsure of what to do, please see our guidance below, and the order of actions we recommend you make: 1. Keep yourself… Learn more

What is and isn't hidden gradual water damage?

Gradual water damage claims are not always straightforward. This is a simple guide to explain what triggers a claim. House insurance provides cover for sudden events (like a burst pipe), and normally excludes cover for gradual damage over time. Many insurance policies have an exception to this under an extension… Learn more

What is an excess?

An excess is the amount of money (contribution) that you have to pay, towards a claim. Initio offer a range of excess options: $400, $650, $1150, $2000. Why would I choose a $2000 excess? The higher the excess, the lower the premium.  The reason for this is because you are taking… Learn more

How to: Natural Disaster Claim

IMPORTANT:  If your house is unsecure, unsafe or vulnerable to more damage, get a professional to make the house livable and we’ll work through the costs together later. After ensuring the house is secure and everyone is safe, here’s what to do: Take photos of the damage if you can. Learn more

How to: Storm Damage Claim

IMPORTANT:  If your house is unsecure, unsafe or vulnerable to more damage, get a professional to make the house livable and we’ll work through the costs together later. After ensuring the house is secure and everyone is safe, here’s what to do if you have home and contents insurance with… Learn more

Claims - What is and isn't covered?

Here’s a simple list of losses that are and aren’t covered by Initio’s home and contents insurance policies. Note this is not an exhaustive list but some of our more popular claims. Please refer to our full policy for more details. Covered: ✅   Car crashes into front fence. Learn more

How to: Water Damage Claim

If you have home and contents insurance with Initio and your home suffers water damage, here’s what you need to do: Get the water turned off or at least isolate the leak to stop water flowing to it. You might need to get a plumber to do this for you. Learn more

How To: Intentional Vandalism by Tenants Claim

Found deliberate damage at your rental property? Don’t worry, your Initio landlord insurance policy covers up to $25,000 of deliberate damage by tenants. If you’ve found holes in walls, smashed windows, graffiti etc, please follow our below steps. What you need to do 1. Take photos of the damage… Learn more

How to: Methamphetamine Contamination Claim

Methamphetamine contamination in a rental property can be an alarming and confusing time for property owners.  There are conflicting theories on what levels are acceptable and what needs to be done to get the house livable again.  Initio keeps it simple and adheres to the Ministry of Health Guidelines… Learn more