Kraal v Earthquake Commission - [2015] 2 NZLR 589

Insurance — Government earthquake insurance — Christchurch earthquakes — Interpretation of “natural disaster damage” — Whether deprivation of possession and use of insured property was “physical loss … to the property” — Consideration of insurance law or practice — “Loss” — “Damage” — “Replacement value” — Building Act 2004, s 124.

Insurance — Property insurance — Whether cover under insurance policy — Whether Earthquake Commission had liability under Act — Whether deprivation of possession and use of insured property was loss under policy — Consideration of insurance law or practice — Building Act 2004, s 124.