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Type: Posts; User: ream

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  1. Even with a 'discount for over-cap claim' our...

    Even with a 'discount for over-cap claim' our premiums for a slumped, tilted, to-be-rebuilt house are still nearly double what they were before the quakes, so don't put too much store in that one...
  2. Yep...$113,850 = $100k + GST less $1% excess :(

    Yep...$113,850 = $100k + GST less $1% excess :(
  3. Well, leaving aside of whether a ltd co would be...

    Well, leaving aside of whether a ltd co would be the best ownership vehicle (and depending on your circumstances a LTC would possibly be the more usual choice?), if you've already gone unconditional...
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    What DazRaz said - we have same in our house....

    What DazRaz said - we have same in our house. Helps that they're really well done with no gaps between them (quake damage excepted of course).

    From where we're sitting Palmy North is the balmy...
  5. Bit late now, isn't it?

    Bit late now, isn't it?
  6. A few years ago, we went with AMI for everything...

    A few years ago, we went with AMI for everything because they were so cheap that a broker's quote (no idea who the insurer was for that one) was the same as AMI's...except that it turned out that the...
  7. Who's the actual insurer then? And were you with...

    Who's the actual insurer then? And were you with an Aon broker before that? Because as I understand it, Aon are only brokers themselves?
  8. A policy shouldn't cost you any more going...

    A policy shouldn't cost you any more going through a broker Lissie. The insurer pays them AFAIK in the same way as the bank pays a mortgage broker.

    Having said that, I had to ring Tower for a...
  9. Nice :) Kids don't make investment easy...

    Nice :)

    Kids don't make investment easy sometimes, do they.
  10. That's a pain (both things!). You could try...

    That's a pain (both things!). You could try Rentsure, although they don't do loss of rent due to earthquakes, just tenant issues.
  11. Good on you Wiz - there's definitely a need for...

    Good on you Wiz - there's definitely a need for short term accom while people's repairs are done. I'm not sure what the best way to advertise to those people is though - maybe just TradeMe along with...
  12. You can do that? I mean, they've confirmed that...

    You can do that? I mean, they've confirmed that you can in this market? That's surprising, even if you have everything else with them. Good on you.
  13. +1 to that eri :)

    +1 to that eri :)
  14. Hmmm. Well I know they were being harsh with us...

    Hmmm. Well I know they were being harsh with us because we didn't have all our business with them, but at the time they sent me that they were only thinking they were going to <50% lol. It did look...
  15. FWIW these are the conditions ASB gave me for any...

    FWIW these are the conditions ASB gave me for any lending against TC3 earlier this month:

    'TC3: Full house insurance for the property, with the insurance company covering the cost of repairing the...
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    Mmm....maybe what remains of it might just happen...

    Mmm....maybe what remains of it might just happen to be falling apart after yesterday's shake? Charlotte30 has reminded me that we took our own one down a few days after Feb 11. It had already been...
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    You could try a company like EQ East, but if...

    You could try a company like EQ East, but if you've already got a structural engineer lined up they probably wouldn't add much except cost.
  18. Well, normally motel-type rent would be GST-able,...

    Well, normally motel-type rent would be GST-able, whereas RTA-type rent obviously isn't. You'd have to look at your expected annual turnover and may have a choice as to whether to register for GST or...
  19. Don't forget to look at the GST implications as...

    Don't forget to look at the GST implications as well.
  20. If you're a CPIA member, talk to Kim Willems...

    If you're a CPIA member, talk to Kim Willems (president). She'd already made it her business pre-quake. Believe she does it as Keys suggests.
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    Not worth my time - but nice idea :) Obviously...

    Not worth my time - but nice idea :)
    Obviously whinging about it on here IS worth my time ;)
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    Ha...have just been billed for the 4 days line...

    Ha...have just been billed for the 4 days line charge between calling to volunteer to pay the then-waived disconnection fee, and them getting there to cut it off. They couldn't just have disconnected...
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    LOL. At least you're not getting stressed about...

    LOL. At least you're not getting stressed about it :)

    BTW our disconnection fee was going to be $120 - none of this $50 lark mentioned above.
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    Two comments which might not shed much light on...

    Two comments which might not shed much light on this debate but may be interesting to some anyway...

    The first time a tenant moved out of one of our rentals here in NZ we assumed that as the LL we...
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    And there I was thinking you'd be talking about...

    And there I was thinking you'd be talking about CERA or CCC...
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