As winter sets in across the country, the season often brings with it heavy rain, wild winds, and even flooding. For many Kiwi households and businesses, it’s a time to check gutters, stock up on firewood — and hopefully not think too hard about insurance.

But the reality is that winter weather is one of the most common causes of damage-related claims in New Zealand. Whether it’s storm-damaged roofs, fallen trees, or flooded vehicles, having the right cover in place can make all the difference when the unexpected strikes.

Here’s what you need to know about winter weather and what your insurance should actually cover.

 

Home & Contents Cover: What’s Typically Included

Most home insurance policies in New Zealand provide cover for sudden and accidental physical damage — which generally includes storm, wind, hail, and flood damage. But it pays to check the detail.

Check your cover includes:

• • Damage from fallen trees, heavy winds, or flying debris
  • Roof or gutter damage caused by storms or heavy rainfall

• Flooding from surface water or overflowing drains

Contents policies may also cover:

• Water damage from roof leaks or flooding
• Spoiled food due to power outages
• Damage to belongings stored in garages, sheds, or under the house

Tip: Damage from gradual wear and tear or pre-existing issues may not be covered — insurers will often assess whether maintenance could have prevented the damage.

 

Car Insurance: Are You Covered for Weather Damage?

If you park on the street or in a low-lying area, wild weather can be a real risk for your vehicle. To be protected, you’ll need comprehensive car insurance — third-party policies don’t cover weather-related damage.

Comprehensive insurance may include:

• Flood damage (e.g. submerged vehicles)
• Damage from falling trees or branches
• Hail or debris damage from strong winds

Check your policy limits and excesses, and if you’re unsure, your broker can walk you through it.

 

Risk Reduction Matters — But It’s Not a Substitute for Cover

It’s a great idea to trim trees, clear gutters, and tie down loose outdoor items — but even well-prepared properties can suffer storm damage. Just like fire alarms don’t stop a fire, they don’t remove the need for fire insurance. The same applies here: precautions help, but insurance protects.

 

What About Your Business?

It’s not just households that feel the impact of wild weather — businesses can take a hit too.

From damaged premises and lost stock to storm-related closures or power outages, winter can put serious pressure on your operations. The right commercial cover can help you recover faster and avoid financial strain.

Key types of business-related cover include:

• Material damage insurance – for physical damage to buildings, signage, stock, or equipment
• Business interruption cover – helps replace lost income if your business can’t operate after a weather event
• Commercial vehicle insurance – especially important if you run a fleet or have team vehicles on the road

Tip: If your business relies on cold storage, refrigeration, or constant power supply, talk to your broker about ensuring your policy reflects those risks.

 

What to Do If You Need to Claim

If your property is damaged by a winter storm:

1. Take photos of the damage as soon as it’s safe to do so
2. Prevent further damage if possible (e.g. temporary tarps, clearing debris)
3. Keep receipts for any urgent repair work
4. Contact your broker — they can guide you through the process

Let’s Review Your Policy

Insurance isn’t just a formality — it’s what gets you back on your feet when wild weather causes disruption or damage.

If you’re not sure what your current policies cover (or don’t cover), Dawson Insurance can help. Our team is here to review your home, contents, or vehicle insurance and make sure you’re prepared — before the next weather system rolls in.
Contact one of our brokers today for a chat.