Ridgecrest New Zealand Ltd v IAG New Zealand Ltd - [2013] 3 NZLR 618

Insurance — Liability of insurer — Damage caused by successive earthquakes — Eventual total loss — Whether liability for full value of building in respect of each earthquake — Determination of clause under which each claim made — Which clause pointed to by insured when making claim — Which clause pointed to by insurer in response to claim — Whether doctrine of merger of liabilities applicable.