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Construction Cost Consultants We provide accurate & guaranteed Insurance Rebuild Valuation Reports to residential and commercial.

14/10/2026

Renewal pricing has sat still for the past couple of years.

Andy and Brett get into why that's about to change, as the market shifts from soft to hard and Insurers stop competing as hard for business.

Premiums move with it, often more than people expect.

Watch the full podcast: https://youtu.be/XxuB9fh8SrA

09/10/2026

An inflationary provision and a genuine cost spike are not the same thing.

Andy and Brett break down why a standard Rebuild Valuation covers general inflation, but not a sudden jump in materials or labour.

That gap is exactly what catches people out when valuations are left too long.

Revalue sooner rather than later, so any correction stays manageable.

Watch the full podcast: https://youtu.be/XxuB9fh8SrA

02/10/2026

A soft market can feel like a safe one. It isn't.

Andy and Brett explain why the risk of being underinsured has nothing to do with which way the market is moving.

Whether the market is soft or hard, the exposure for property owners stays exactly the same underneath.

As Andy puts it plainly: "You can still be underinsured."

Watch the full podcast: https://youtu.be/XxuB9fh8SrA

A soft market has made underinsurance easy to ignore. That comfort is not going to last.Andy and Brett unpack why the in...
30/09/2026

A soft market has made underinsurance easy to ignore. That comfort is not going to last.

Andy and Brett unpack why the insurance market is expected to harden before the end of the year, what that means for renewal pricing, and why underinsurance risk never went away, it just got quieter.

Watch the full episode now: https://youtu.be/XxuB9fh8SrA

21/09/2026

Banks across New Zealand are starting to talk about underinsurance more seriously than they used to.

Andy recalls that in the UK, banks used to check whether your house was insured in person. New Zealand never had that same check.

What we’ve seen instead: banks increasingly requesting Rebuild Valuations when people take out or renew a mortgage, wanting to confirm the property is properly insured.

As property values fall, the loan-to-value buffer banks have relied on is shrinking, meaning more of that underinsurance risk is falling back onto the banks themselves, not just the customer.

Watch the full podcast: https://youtu.be/Zo0TgxaKK_o

16/09/2026

Insurance companies are increasingly using geospatial data to price risk.

Where you live can now mean paying more, or less, than someone nearby.

If a property doesn't have the adequate amount of insurance and an event occurs, the payout may only reflect the value of the land, since land itself can't be insured.

Andy's advice: speak to a Broker.

They know the deal, and they'll walk you through it to get the best cover.

Watch the full podcast: https://youtu.be/Zo0TgxaKK_o �

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11/09/2026

During a recession, people are less likely to take insurance out, because it's a private cost they can choose to go without.

Andy and Brett discuss New Zealand's current position, coming out of a recession, and whether the soft insurance market is helping offset that.

Premiums haven't risen as sharply over the past couple of years as they did five years ago.

Watch the full podcast: https://youtu.be/Zo0TgxaKK_o

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07/09/2026

New Zealand has long sat around 80% underinsurance on residential properties. On top of that, there's a further 3% with no insurance at all.

Andy and Brett talk through what happens when an underinsured or uninsured property is hit by an event.

The answer, in Andy's words: "We pay for it in our taxes." The government ends up covering the shortfall.

Watch the full podcast: https://youtu.be/Zo0TgxaKK_o

31/08/2026

Non-insurance in New Zealand is more common than people think, and in some places, it's getting worse.

Andy and Brett dug into a recent industry report focused heavily on non-insurance across the country, and found the trend isn't the same everywhere.

In areas affected by slips and severe weather events, non-insurance is climbing rather than falling.

Together, they put it down to affordability rather than choice.

Watch the full podcast: https://youtu.be/Zo0TgxaKK_o

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Underinsurance has always been framed as a homeowner's risk. This episode makes the case that it isn't anymore.Andy and ...
26/08/2026

Underinsurance has always been framed as a homeowner's risk. This episode makes the case that it isn't anymore.

Andy and Brett unpack the numbers behind non-insurance and underinsurance in New Zealand, what happens when an underinsured property is hit by disaster, and why banks are asking questions they never used to.

Watch the full episode now: https://youtu.be/Zo0TgxaKK_o

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PO Box6
Auckland
3715

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Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 4pm

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+6492814770

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