On the 15th August 2019 the government announced a new package for owners of on-sold over-cap properties in Canterbury. This means that if you've brought a home in Canterbury and discover that it is damaged over the EQC cap, you may be eligible for an ex gratia payment to cover the cost of repairs. This new policy is only available until the 14th October 2020. After that the policy will not be available.



You may be eligible to receive the payment under the support package if you meet all of the following:

  1. You must be the current owner of the property

  2. your application must have been made on or before 14th October 2020

  3. You must have purchased the property within the specified time period. To meet the requirement, you must have:

    • made your offer to purchase the property after the natural disaster damage arising from the Canterbury Earthquake Sequence occurred to the property; and​

    • made your offer to purchase the property on or before 15th August 2019

  4. If your offer was subject to a Building Condition, you must have satisfied or waived that Building Condition on or before 15th August 2019.​

  5. The original owner(s) of the property must have lodged at least one claim with EQC.

  6. Before you made your offer to purchase the property the claim(s) lodged by the original owner(s) to which an ex grate payment relates must have already been assessed by EQC and determined to be under-cap.


This can be daunting but a great place to start is to call Morel Construction on 03 423 1904 to book your FREE no obligation assessment.  We are experts in the field and would love to help you fix your property, properly.


Contact us to discuss your property and book your FREE no obligation meeting